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Thread: Would like your thoughts on Pet Insurance....

  1. #11
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    Agree with 99. like you thoug cqld, I am shit at saving.

    However, my OH starts a new job very soon which means we go from one income to two so technically it is excess income and I am hoping it will be easier to save. Especially if I just transfer it right away. Premiums for our 2 would be $70 a month but we are aiming to put away $120 a month for them at this stage.....

  2. #12
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    That is certainly the best way if you can do it Lala, good luck with that, your babies are beautiful!
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  3. #13
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    Aww thanks, but how do you know what my guys look like? LOL

  4. #14
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    Quote Originally Posted by Lala View Post
    I dont know much about pet insurance, but I was going to get some and have since decided that I would be better off putting the $70 a month for premiums into my savings account and letting it gain interest. Plus then I dont have to worry about what is or is not covered etc.
    Well Katy is 2.5 years old...I pay $20.40 for her a month That is a little over $600.00 ( been insured since 8 weeks old).....her vet bill so far is $5000.00....I have to pay $450.00 of that. And she still has to have about $500.00 of x-rays.....I think I am ahead, even if i add the others in. I pay $106/month for my four. Of which 3 out of four are 100%. And our excess per year per dog is $450.00......Somehow having had to do this surgery I think I rather have the Insurance.
    My dogs are able to go up to $12,00.00/year on this plan. I chose this plan, because that is what a pair of hips is worth. My dogs had no pre-existing conditions.
    Pets are forever

  5. #15
    Join Date
    Jan 2012
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    I have all my dogues insuraed with Medibank
    $35 a month per dog and it's well worth the money
    if you have large dogs that can potentially have problems.
    I would not be without it ..
    I have used it several times and even for stupid things like
    my girl bit my boy on the leg..
    $300 for medication, insuranced gave me back 80% ..
    Like I said I would not be without it.
    Well worth the money..

    Only thing they do not cover is pregnancy & deliveries ..
    Which is a real bummer..

  6. #16
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    Newfsie, Can I ask which insurance company you use? With medibank, I pay $100 per CONDITION excess, so I guess that works out better for conditions which need a lot of follow up treatment, but not so good when if you have a lot of small one off issues.One of my girls has ongoing ear issues and was in the vet last week for sedation and ear treatment, I have paid the excess on earlier visits for the same ear so it's all free from now on, which is good as last week was 450.00 and 250.00 for previous treatment. I will look into the dog/house contents deal, as not really happy bout medibank dropping back from 100% to 80%, but so far cant see a better deal as far as % and things covered and not, and we have to watch we dont have waiting periods on any new insurance.

    Lala, sorry hon, saw a pic and thought it was yours, thats what happens when you get old-ish

    Lucky girl - yes you have the same insurance as me, and yes, if your not really good at saving like me, it is a must. Would be devestated if the girls had a serious injury or sickness and have to cough up thousands.
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  7. #17
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    I just checked all mine out and I am 100% also..
    Apparently it is what it originally was. If you change or become a new
    member it will be only 80%..
    I was going to change my plan but they told me I would drop to the 80%
    so I stayed where I am at..

  8. #18
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    I am with Medibank private and mine is a $450.00 excess per dog per year, not per diagnosis. After the excess it is 100%..........We have been with them for a while. Lukey is different , 80%, because he was only added last year.....I have found no issues with Medibank Private. I also get a discount, because we the people covered with them and we had no pre-existing conditions. I even notified them when I changed vets.....you do not have to notify if you use a specialist. They prefer that you do
    Pets are forever

  9. #19
    Join Date
    Aug 2009
    Location
    Adelaide
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    cavalierqld

    Most of the pet insurance offerings are backed by "Hollards" - which will only cover 80% now. So that applies to most premiums. You do find differences in the max payouts eg the RSPCA-Hollards combo offers $11 grand max per year, and Pet Insurance Australia offers $15 grand max per year... etc.

    There is another backer - I think it is All ia n z - which last time I looked offered "100%". But personally - I found (for car insurance) they're not there when you need to claim. Ie they much less than what you thought you bought cover for.

    So you can find your best deal with Hollards - ie stick with what you have, or change to the big A and risk that 100% is not 100% at all.

    Personally I have the insurance for extreme vet emergencies like car accident or snake bite. I probably could self insure and am thinking about it.

  10. #20

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    Hi There

    We pick up our pup in 6 .5 weeks (not counting or anything) I am thinking of pet insurance my house and contents and cars are with GIO health is with DEfence HEalth they don't do pet insurance.

    Could someone reccommend an insurer. It is a King Charles Cav

    Thanks

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