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

  1. #1
    Join Date
    Jul 2011
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    Sunshine coast Qld
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    Default Would like your thoughts on Pet Insurance....

    Hello all,
    Hoping this thread finds you and your furry companions all well.

    I presently have my 4 dogs insured with medibank pet insurance.

    Initially when I took out the insurance I recieved 100% payment of vet bills after paying a $100.00 excess per condition and paying around $34.00 per dog per month premiums. But as my pets insurance came up for renewal this year, I was advised they would only be paying 80% of bills from now on, dropping my premium amount by only $5.00 per month, which I am sure will increase again next year.

    I was really suprised as I wasnt sure they could actually lower your benefits without consultation?? Last year they also dropped human insurance benefits as well, then promptly upped the premiums. Not sure this is all "kosher", and not very happy!

    Does anyone know of a better deal?
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  2. #2
    Join Date
    Oct 2009
    Location
    Rural NSW
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    5,967

    Default

    There are many threads on this topic if you care to look back through the pages.


    Personally, with so much they don't cover I just have a fund for my animal care.

    Any posts made under the name of Di_dee1 one can be used by anyone as I do not give a rats.

  3. #3
    Join Date
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    Default

    Thank you Di, Will look back through the threads, i am sure there must be a better deal somewhere.
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  4. #4
    Join Date
    Oct 2010
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    Southern NSW
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    Well mine is still 100%,,,,,They just told me the new dog was 80%........My paperwork from Medibank Private says 100%. So I am not sure what happened with you. Some of my dogs have been with Medibank Private for 4 years and Katy since she was 10 weeks old. I am not sure how it all figures. the newest dog , who joined last year was reduced to 80%

    Most other companies are 80%, I have been told.

    Just be careful with waiting periods and pre-existing conditions when you change over. One of my friends changed to another company and was not covered when her dog did his cruciate
    Pets are forever

  5. #5
    Join Date
    Nov 2010
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    Brisbane
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    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.

  6. #6
    Join Date
    Dec 2011
    Location
    Logan, Brisbane QLD
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    I too am looking into getting pet insurance. I've thought & tried putting money away in case of a pet emergency, but because we so darn broke these days (i really need to look at finding a better job) we end up using it for something else, last time it was the car. My main concern with pet insurance was the fact they don't pay upfront.

    Me & OH are against having credit cards etc because the risk of running ourselves into debt scares the shit out of me. A friend has told me of a specific credit card that you can get that will only allow you to use for a specific use - such as veterinary bills. So i'm going to look at doing that, & get pet insurance, so if something happens i can use the card, then get the insurance to pay it off.

  7. #7

    Default

    Our dog is part of the house content "pet" - if you want to know the insurer pm me :-)
    m<(o.o)>m

  8. #8
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    Hi Lala, that would be a great idea but im a shocker for saving,,,wish I could though!
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  9. #9
    Join Date
    Jul 2011
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    Kuri, will look into a vet specific card, im like you, cant save and dont like credit cards, so that might be a great alternative to pet insurance as the premiums go up and rebates go down, Thanks
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  10. #10

    Default

    I do the same, take the money you would spend on insurance each month and put it into a high interest account. I put aside $250 for my 2 dogs every month - if something happens, well after 2 years I now have a decent amount saved and the oldest dog has only just turned 2. If nothing happens - as in the case of my last dog who lived to be 15 and never saw a vet after he was a puppy - well I have $x000 saved to do whatever I like I was initially going to take out pet insurance and maybe there is a good one out there, but I've heard so many horror stories about conditions not being covered etc that I just decided to do this instead (one of the worst was a poor guy with a greyhound cross he rescued from the pound, developed a leg condition that cost him over $14 000 - insurance declined to pay a cent. The dog was 6 when the symptoms started to show and he had been paying for insurance for over 5 years).

    The risk though is that should one of my dogs develop an ongoing devastating condition - something like cancer, well the money would run out fast and I know that. That said, if one of my dogs developed cancer and from the get go the vet thought the prognosis was bad, I would probably opt to avoid treatment anyway. I have had 2 family members go through it and they would have been better off forgetting treatment and just reducing the pain for the rest of what time they did have. On the other hand, my old cat once fell out of a tree and broke her jaw. The vet told us he could definitely save her but the procedure would cost $3000. I borrowed the money from my mother and it took me 4 years to pay it back (I was still at school at the time). If we'd had insurance it would have covered that - she was 9 years old when it happened so we probably would have got the money back that we had paid. So it is hard to know what to do.

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