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

  1. #31

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    Cavalierqld I am going to have to make sure I watch the two year old all the time with the dog although having said that she is incredibly gentle with my friends dogs.

    I was so concerned about the MVD I appreciate though it is something we have to accept when choosing this breed.

    I did look at getting an older dog but to be honest I could not find any where we're you finding them? Also I was quite concerned about their health issues I figured going through a breeder was safest. Not so much for me but I did not want to devastate the kids with an unwell dog.

    It is very unfortunate that they can change the coverage so easily it doesn't exactly inspire peace of mind do you think knowing the policies as well as you do that medibank is the best way to go? Would you get the medium level of cover?

    I spoke to the breeder yesterday puppies are ten days old today they are doing well weigh 500g each and feeding well we are hoping to pick her up April 29 or May 5 depending in what the breeder thinks best hoping to meet them in two and a bit weeks though

  2. #32
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    Oh, How very exciting for you im sure your not counting the days?

    Your right, sometimes to enjoy such a lovely breed is worth the risk. Other than the MVD ,they are a sturdy healthy breed
    and will be a much valued member of the family. Maintainance is a daily brush and a twice weekly ear check and clean.
    I have 2 tri's, 10 -4 yrs, a ruby 2 yrs and a blenheim 4 yrs and love them dearly.
    Pet insurance is still a good idea, and they all basically seem the same, but the rspca one slightly cheaper.
    Please keep us updated
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  3. #33
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    Hi Cavalierqld

    I didn't read all the PDS in the same sitting.

    I did get mad at PIA for bumping my policy about 60% the first year and another 20% - with less cover this last year. Grr.

    I suspect the cancel at any time - is just a get out clause for them. If they think you're being fraudulent or over-claiming or just a PITA - they can cancel and they don't have to prove you're a problem.

    I think it's a bit like the "Agree or don't install our software" agreements. I quite deliberately don't read those because they always include really stupid things like "all your data belongs to us" and if our software fries your computer or data - we won't help.

    Some clauses in the PDS are probably unenforceable if you took them to court - but they have more money for lawyers than I do. It's not fair but that's how it is.

  4. #34
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    Quote Originally Posted by cavalierqld View Post
    Newfsie, who is that gorgeous cutie bottem left in your pic?
    I have a friend who is an artist...She did several logo's for me. It is one of my nieces with one of my old dogs....Curently my businnes logo is that of our Lukey with a six year old girl, they make a great team. She adores him.......

    Ronnie8copy logo.jpg



    And yes they saw us coming LOL
    Pets are forever

  5. #35
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    Newfie, just gorgeous, that picture tells a thousand stories.

    Hyacinth = Well it seems they are all the same which is a real shame, but I need the cover so I guess I just have to hope things go ok if the need ever arises. House/pet/car/contents, it seems insurance companies have become a law unto themselves and for us it is beginning to feel a bit like a lottery... will we get paid, or not!
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  6. #36
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    Shouldnt complain, there are folks in Brisbane that thought they were insured, paid their premiums, were flooded, then got nothing. Some are living in tents with there children.

    And after htacinth and I reading product disclosures I can understand them not understand the many and varied "definitions", they could be in chinese for all the wiser i am.
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  7. #37
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    At least all the Hollards PDS are essentially the same - some word for word. So all you have to compare are the little tweaks between the retail companies.

    A friend's dog last week inhaled a piece of spine bone of sheep (probably) and wedged it in her aesophagus. Xrays, surgery, vet hospital, and $5000 later, she's on drip feed for at least 10 days. And this is a dog who LOVES her food. This dog has also had surgery on her foot after getting it crushed. Expensive dog but the most adorable personality. Only 7 years old. I would have lent my friend the money but she's spending her house deposit instead.

  8. #38
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    Yes, the Hollands policies I read were all ptetty much the same, small differences in policy details like Max pay per years and excess but the chinese is all the same.

    I still dont understand their reccuring or chronic new terms, I think they can cancel year to year as each year I get a letter stating "congradulations", we are renewing your policy for the next 12 months.

    I always get excited and think I had failed to check a tattslotto ticket, then are sorely dissappointed.
    Having said that, there policy states insured for life?

    Im so sorry to your friend and their dog has to go through that, will he be ok?

    You see thats what worries me, finding that money or losing a best friend, I cant imagine having to make that choice, devestating, I do hope things work out for them. Keep me posted!

    But from what I have seen they are pretty much the same although rspca has no excess which is better than medibank, I rang them to see if i could change over with no waiting periods (same underwriter and all), but they said no, so will stay where i am.
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  9. #39
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    I think sending an email for clarification might be better, since you get your response in writing.

    I think as long as you start the insurance before the dog turns 9 and keep it up, then they will insure for life of the dog.

    But if your dog gets some ongoing condition like cancer - they limit the payout to about the annual max. Same with something that comes and goes.

    Not sure what they do if the dog is in hospital for swallowing a bone - more than once, or being hit by a car more than once etc.

    Haven't had an update on my friends dog but so far so good. When she first went in, we were very worried.

  10. #40
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    Laugh, when did you learn chinese hyacinth?

    Thank you, yes i understand now, thank you for the translation, much appreciated. I did notice on my renewed policy a little while under the new "amendants" of old policies, that they will only cover some things mimimal times, I believe maybe swallowed objects twice only and i think ticks have been changed too, but cant really remember if its ticks or something else.
    Do keep me posted on your friends dog...very sad and hoping he will be fine;
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

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