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Thread: Insurance for animals

  1. #11
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    I get my dog checked all over when I go in for vax eg joints and stuff so if something goes wrong there, we know it's not pre-existing...

    But I've had her insured since small. I'm just really not sure if it's worth it given they only pay out once for each possible condition and things like lumps tend to recurr even though they're usually different lumps in different places, and I hate the bilateral (dog has two of these body parts so we will only pay on one) eg cateracts - usually come in both eyes - but they will only pay on one. It's like the cover is halved. The insurance companies are trying to limit their payouts, but that's devaluing the product at the same time as they're increasing the price - so if you are able to keep $15000 spare for emergencies (that's the max they will pay out on a single condition or on all conditions in a year) - it may be cheaper and more reliable than paying for the insurance. Ie if you're paying a premium for something that doesn't cover you - what is the point?

  2. #12

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    Medibank doesnt have this repeat nonsense (as far as I know).. If I am wrong please correct me as I am with them, have read the policy and cannot find it anywhere there.

  3. #13
    Join Date
    Oct 2010
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    Southern NSW
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    Quote Originally Posted by bunny-girl View Post
    Medibank doesnt have this repeat nonsense (as far as I know).. If I am wrong please correct me as I am with them, have read the policy and cannot find it anywhere there.
    I have asked them and they told me in writing if Katy has to have repeat surgery on the leg she has just had operated, it will be covered.........I am Medibank Private too. They did tell me that it would have to be done by a Orhto vet, which is strange as they are much more costly LOL
    Pets are forever

  4. #14

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    Thank you Newfsie!!! I read it but wasnt sure if it was particular to Katy's situation or not. Good to know we dont have to worry about repeat problems and it will be covered.
    I would have looked for another insurer if that was the case.

  5. #15
    Join Date
    Jul 2011
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    Sunshine coast Qld
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    Yes bottles, they are really HOT on anything that may even appear to be "existing" and I would LOVE my vet if he was creative
    Hyacinth, Medibank will pay out on mutiple consults for the same condtion, but i think they have maximum per condition of the yearly amount which i think is 12,000. And I aslo think they have a little "out" as in they can choose not to renew your policy at anytime, as they are reviewed and offered every 12 months.

    At least that is what i made of the endless nights reading with blurry eyes mind you, but i could be wrong.

    I just got a claim back the other day from medibank i paid $279, there were multiple tablets for the same condition + 2 consults so they took the $100 excess + less 20%, and because he also prescribed a a tablet that is often used for back pain but was prescribed for the same condition...they took another $100 excess for a 16.00 tablet..so i got no refund, if i hadent got the extra tablets(which were pointless anyway) i would have saved 100 dollars.

    My first claim was when my little desexed girl had a really sore back, i came home and just found her in pain so had no idea how it happened. At the vets, i told her i found her like that and JOKED she may have been doing hanky panky with my boy as even though shes desexed she is/was a Ummmmmmm, well a humper!

    The vet must have written something to that effect in her notes and medibank denied the claim $460.00 as being BREEDING RELATED!!!
    Well I sent them a nasty letter, saying it was a joke and she was desexed, and had to get a letter from the vet saying she was desexed and 2 months later they paid.
    I later found out she must have bumped a heavy concrete water feature and it must have got her back as it was on the ground.
    So yes, they will do anything to not pay!

    But I agree with hyacinth, they are not really good for the itty bits like under 500.00, but i keep it for the big what if's like Newfie had.
    If im looking at thousands, I would be devestated if i couldnt pay and i only pay less than $30..00 per dog per month, so really its worth it.
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  6. #16

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    Quote Originally Posted by Hyacinth View Post
    I get my dog checked all over when I go in for vax eg joints and stuff so if something goes wrong there, we know it's not pre-existing...

    But I've had her insured since small. I'm just really not sure if it's worth it given they only pay out once for each possible condition and things like lumps tend to recurr even though they're usually different lumps in different places, and I hate the bilateral (dog has two of these body parts so we will only pay on one) eg cateracts - usually come in both eyes - but they will only pay on one. It's like the cover is halved. The insurance companies are trying to limit their payouts, but that's devaluing the product at the same time as they're increasing the price - so if you are able to keep $15000 spare for emergencies (that's the max they will pay out on a single condition or on all conditions in a year) - it may be cheaper and more reliable than paying for the insurance. Ie if you're paying a premium for something that doesn't cover you - what is the point?
    Just by starting a savings account when I first brought Sammy home I have managed to save more than that so maybe that's the way to go. I am SO happy to report that after forking out the big bucks for a new medication - a fancy new inflammatory only just released on Australian shores Sammy has shown massive improvement in only 2 days. We have gone from only 5% weight-bearing on the left back leg to not even being able to tell he has a problem with his leg. And when I say big bucks, I mean yes it was double the price of the other medication but it was still only $150 so very cheap when you consider surgical alternatives...

  7. #17
    Join Date
    Oct 2010
    Location
    Southern NSW
    Posts
    3,784

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    Well Metacam is $200/bottle (150 ml) and we had to be on that for 2 lots.....it was just paid back by Medibank Private.

    I still cannot see the problem.........I have paid $26.20/month for 36 months (nearly) for Katy= $934.00, They have paid out $6575.00. How can my saving $$$'s in the bank equate that.

    I had Annabelle for 2 years, when she had an accident. I had paid out 24x $25.00= $600.00. Her Injury cost us $6,000 in Melbourne, with MRI's, CT's and surgery. She is still with them and has no limitations. I have now paid a total of about $1200.00 on her...it still is nowhere near the total she has been paid out. I know Tessa has had multiple pay outs too for her accidental injuries. So I am at a loss why people do not insure.

    I have had no problems at all, but I am meticulous with my paper-work and I also get the dogs checked at the end of the episode, with a vet written report...Like Katy has had check x-rays and reports sent to medibank private to let them know she is now fine.
    Pets are forever

  8. #18

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    Cavalierqld - you can choose an option for medibank to have NO excess. That is what we have. So you get 80% back but no excess - that is the best for anything under $500 as most consult would be under $200, you get $160 back etc.
    Have a look you might be able to change it and I dont think it is a big jump in price.

  9. #19
    Join Date
    Jul 2011
    Location
    Sunshine coast Qld
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    Your right Bunny you can do that but i chose the excess to get cheaper premiums, thinking everyone can afford 100.00. Not sure it was the best decision because if you go to the vet and you are concerned about more than one issue, you have to pay 2 excesses for each of the condtions, so i might look into changing it.
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  10. #20
    Join Date
    Apr 2012
    Location
    Bunbury
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    Thanks everyone this has been very enlightening. You always plan not to spend much time at the vets but really need to be able to financially manage if something does go wrong. I had to have an animal PTS whenIi was a student because I just couldn't afford the operation etc etc to fix her. I never want to make that decision again.

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