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

  1. #21
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    Jul 2011
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    Sunshine coast Qld
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    Lucky lady - Can I ask how long you have been insured with Medibank? My first 3 dogs have been insured for 3 years, yet one by one i am getting notification that their policies are now 80% yet I havent changed the policies at all.

    Newfsie - I also get the human insured 10% disc and an additional 5% for each extra dog. Yours seems different to mine as mine is $100 excess per condition. Checked out the RSPCA one, as Hyacinth states they mostly appear to be underwritten by Hollands which are an African company and the product disclosures are all the same (spents hours reading through them), wow they sure do have some outs in there. Even says if the dog becomes ill or has an accident when not under your care but in someone elses care, your not covered???WT

    Hyacinth - As they are mostly all Hollands, I cant see much difference in price, although RSPCA was a little cheaper, but rang them to see if they waive the waiting periods moving and they said no, so not much point, will have to wear it.
    One thing I was concerned about is the reaccuring clause in their product statement. It seems if your animal develops a chron
    ic or recurring illness or condition...they have the right cancel the policy!
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  2. #22
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    Jul 2011
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    Hi Jennerferc , Congratulations on getting a cavie, I have 4 and love them to death. What colour? Sex? Have you had one before? We need pics when he /she comes.

    Pet insurance is great if your not really good at saving, like me Rspca has one that seems a little bit cheaper than Medibank and has no excess, but they are pretty much all the same as far as I can see. You will pay around $ 30 per month for a cavie.
    Ahhh, 6.5 weeks (im not counting either)....like waiting for xmas!
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  3. #23

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    Hi CavalierQld

    We are getting a girl (litter was 3 F 1 M ) she is a Blenheim and we are calling her Rosie. I have had dogs but never a Cavalier however after drooling all over a friends one and trying to smuggle him home I thought it was time for one of our own. I am so excited. Now I have children there is always someone at home so I am really happy to be getting a dog that likes being smothered with love. It is quiet since the older two went to school the littlest is still at home and she will probably love her to death lol

    I was not sure if I should get the highest level of cover or not. I know Cav's are prone to certain conditions and while we made sure we went through a good breeder and sited the eye and heart checks I am just hoping that if a condition should arise it would be covered. I notice many people saying they don't cover certain conditions. Do you know if the conditions Cav's are pre-disposed to are covered?

  4. #24
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    Hi Jen,
    Congratulations - NEW PUPPY!!!!
    I spent a few hours the other night (eyes drooping) tring to read the product disclosures. There is a clause that states (in insurance jargon), that they have the right to terminate the policy if they believe the dog has a "chronic" or "recurring" condition which worries me a bit, so will need to call and ask them to verify what they mean. I do not really want to be paying for something that will not be there when I need it.
    Although, the policy states they are covered for genetic diseases etc, the PD suggests they might have an out.

    The biggest worry you will have with your cavie is MVD, which is a genetic heart and spinal condition which sadly takes over 80% of cavies early.
    First signs may not appear for a few years usually around 5yrs, and the vet will pick up an early heart mumour.
    Of course their ears need constant cleaning and tend to get ear infections on a regular basis which can be VERY painful.

    And one other thing you might like to be aware of is Cavies are so very docile. A young child could pull out there toe nails one by one with there teeth and they would never retaliate, which leaves them wide open to be hurt or injured unintentionally by young children.

    They are loyal, loving and love nothing more than to be with you or your children ALL the time, very smart, easily trained, as long as they understand what you want.....they will bend over backwards to please you.
    They are so adaptable, happy to lounge on your lap ALL day, but equally happy chasing the kids in the yard. They get VERY attached to their family and do not thrive if left alone for long periods.

    Sadly I have bought and rehomed more than one Cavie from ads in the paper stating they dont have time anymore, I couldnt leave them in that situation, they will almost die of sadness if left alone. They bond very strongly with there family.
    But then im sure you already knew all that.

    I will let you know when i have a chance to sort out the insurance outs. How long till you get her now?
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  5. #25
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    Hi CavalierQLD

    All the hollards ones are almost the same in terms of what they offer and conditions.

    I think if your dog is older than 9 - then most of them don't want to insure at all. But if you insure from a puppy and keep it going they're ok older than 9. Most of the Hollards PDS (I'd say all but I mean all the ones I've read - about 6), will limit the payout on any single condition and a new thing they introduced this year is that they will count anything the dog has two of eg front legs, eyes, kidneys etc as one - and the max payout is for one or both ie your dog gets an eye problem - and then in the other eye, they only pay the max for one eye. Same deal for joint problems. So you effectively get half the cover for any bit of dog that it has two of - which is most of it.

    So if the dog gets cancer - the payout for treating that cancer is limited. Not sure if it's for a single year or ongoing ie 11K in the first year and then no more or 11K for the lifetime of the dog and possibly nothing if the cancer recurs.

    I think part of the problem is some people don't know when to quit spending and look at the ongoing quality of life for the dog. And many vets don't like to say stop now, it's not going to help.

    Personally I'd like the option of "stop now" for humans too. And to an extent, a sane conscious human can refuse treatment. But most that can sanely say no - are still treatable. Sigh.

  6. #26
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    I have been with them for almost 3 years now...
    Haven't had a letter yet ????

    Did you have to provide a medical history for all dogs to them ?
    Thats why I wouldn't change as I would have to get all that info
    again and get it all to the new insurer.
    They have paid up within 3 to 4 days of me putting the claim in..
    I have found them awesome..
    One time i needed pills for both dogs. My vet put it all under one
    dog so I could claim it otherwise it wouldn't of been worth my while.

  7. #27
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    Hyacinth - Wow you did amazing reading 6??? I only managed 2 and had a brain overload and contracted droopy eye syndrome.
    It is amazing to me they are able to keep changing the definations in their favour, it gets really complicated. What was your take on the chronic and recurring part, do you think 11k per year max, or is it at their discretion? The insurance policy says 11k per year with a lifetime coverage, yet the PD says they can cancel at any time? Very contradictory!
    But thank you for helping to decipher the "insurance speak"

    Lucky lady - I have only made one previous claim when my little ruby somehow hurt her back, it took a month as I recieved a letter saying they would not pay as they felt it was a breeding related injury......she is spayed. I had to go get the vets records again, plus a letter stating the dog was spayed and they had to apolgise for writing in the notes as I joked (and they wrote it in the notes), that my little male may have been practising on her as i didnt know how her back got sore.

    Now whenever im at the vets, i say "no breeding " jokes on the records.!

    They did eventually pay up, and I later found an overturned concrete statue in the yard which may have fallen on her during play.
    I am now trying to claim for a icky ongoing ear problem where she was sedated, but the first claim for all of them i have to have previous records, been waiting a week and expecting a letter denying payment due to her ear problems being breeding related .
    4 insured dogs for 3 years, 1 and almost another claim in that time total
    , trouble with both.
    You have had a good run lucky....let me know if you get the "letter"
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  8. #28
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    Southern NSW
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    When I claimed i had letters from my vets stating my dog had been healthy at every yearly check-up and no previous injury, only vaccinations/titre's.........No problem, because it is an injury

    Annabelle however had a pre-existing ear problem and allergy problem, so I do not even go there. I only have insurance for injuries, TPLO, hips, elbows, snake bite and such. And I have always been particular that my vet write notes to say they health checked my dogs each time at they annual check-ups.

    It is no different in the human world.......You pay $280.00 per month, you go in for Surgery and you still get to pay out $5000.00..........If you go in as a Medicare you pay NOTHING........
    Pets are forever

  9. #29
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    i usually just leave the vets to make the claim as they require my vets records everytime anyway, I just ask they dont put anything presumptive in the records, as they will take it gospel.
    And yes, know about the the ole human cover.. Have been paying 5 years, never claimed other than the free teeth clean, and now need a small op, but cant really afford the huge cost. WHY...I pay them a fortune every month..
    HEYYYYYYY, do you think they saw us coming newsfie?
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  10. #30
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    Newfsie, who is that gorgeous cutie bottem left in your pic?
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

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