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Thread: Insurance for animals

  1. #21
    Join Date
    Feb 2012
    Location
    Ipswich
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    247

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    I don't have pet insurance, but it has crossed my mind as something to get since I have a dachshund and there's always going to be the possibility of a back injury.
    However I don't really like insurance companies and I'm a bit reluctant to give them my money unless I know they will pay out. For instance with my car, a week after I bought it, someone in a car park reversed into me and the insurance company claimed equal fault so they wouldn't pay out (based only on what gear my car was in). Someone also keyed my car, on the extreme opposite side of the city where I never normally go, I had no idea who keyed it and it was in a massive parking lot so it would've just been some random being a jerk, but the insurance company then said I was too risky because it might happen again (I couldn't take out a new policy with anyone else)! So I told them to stick it, and I no longer have car insurance and instead I pay myself insurance for my car, at least I know there's money there if I need it and I won't have to jump through any hoops to get it! it's more of a piece of mind for me to save my own money and know that it's there for whatever I might need it for, yes it sucks if you have to pay up for something unexpected and costly, but I'd rather rely on myself than companies who try and get out of it by any means they can. Mind you I'm religious about where my money goes and I always have a stash of 'just in case' money to cover most minor things.

  2. #22
    Join Date
    Aug 2009
    Location
    Adelaide
    Posts
    12,596

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    So I told them to stick it, and I no longer have car insurance and instead I pay myself insurance for my car
    You probably need something called "3rd Party property" to pay for brand new mercedes that hits you out of nowhere.

    what the company you had has done, seems wrong to me - and you might want to write down your problems and send them to the insurance industry ombudsman. (now handled by the financial ombudsman service).
    How to lodge a dispute :: Primary

    It does depend a bit what is in the fine print of the insurance, but comprehensive insurance should cover you for keying, and reverse parking mistakes whether it's your "fault" or not.

    edit - put quotes in (oops)
    Last edited by Hyacinth; 06-04-2012 at 08:43 PM.

  3. #23
    Join Date
    Feb 2012
    Location
    Ipswich
    Posts
    247

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    Quote Originally Posted by Hyacinth View Post
    So I told them to stick it, and I no longer have car insurance and instead I pay myself insurance for my car

    You probably need something called "3rd Party property" to pay for brand new mercedes that hits you out of nowhere.

    what the company you had has done, seems wrong to me - and you might want to write down your problems and send them to the insurance industry ombudsman. (now handled by the financial ombudsman service).
    How to lodge a dispute :: Primary

    It does depend a bit what is in the fine print of the insurance, but comprehensive insurance should cover you for keying, and reverse parking mistakes whether it's your "fault" or not.
    My issue was with changing insurance companies. Everyone I called up asked if there was existing damage, so I mentioned the key scratch, and none of them wanted anything to do with me, even if I went and had it fixed, they still said they wouldn't insure me. I probably could've renewed with the company I was already with, but I already didn't like them because of the parking accident. I do have third party property to cover damage to the other person's car (I couldn't afford to fix someone's merc), but not to cover my car, however I could afford to replace my own car if I needed to.

    The parking incident didn't cause enough damage to warrant fixing, just popped out a panel and left a small scrape on the bumper, but to replace the bumper was going to be upwards of $500, which I didn't want to spend at the time and my excess was more than that because of my age, I was just cut that I had the car for only a week and that was my first accident and it wasn't even my fault.

    I don't mind covering myself for things I can't afford, like to replace my house, I definitely have home/contents insurance, but for something like my car, I can afford to replace that if I needed to, and if it came to needing to replace it, I don't want to have to rely on my insurance to provide the money to do so.

  4. #24
    Join Date
    Jul 2011
    Location
    Sunshine coast Qld
    Posts
    1,121

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    I had the same problem as you Blackthorn, I actually bought a car that had been keyed and when I rang up to insure it, I let them know (duty of disclosure) what damage was existing and I could only get 3rd party even though i told them it would be fixed. I have had issues with insurance companies before and my son was railroaded by one and forced to pay thousands for an accident he didnt cause.

    Sadly, house insurance is a necessity as is the dogs...but now i dont drive any type of car i cant afford to replace.

    I think since last years floods and other natural disasters, insurance companies are placing so many restrictions and outs in policies there really not worth having.
    The greatness of a nation can be judged by the way its animals are treated.
    Mohandas Gandhi

  5. #25

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    Quote Originally Posted by newfsie View Post
    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.
    I certainly don't see any problem with what you have done. In your case I'd say you were lucky you did take the insurance out. In the case of my old dog who lived to be 15 with no vet bills at all I would say that we were lucky we didn't take any out. I am in a position today (and I know I'm very fortunate) that literally no matter what sort of vet bill comes my way I can pay it, so I choose to not pay for insurance because there's a chance I won't need it and it won't be a disaster for me if something does happen and I don't have insurance. That doesn't mean that I want to spend my money on vet bills, it just means for me I would rather take the chance that I don't have to spend any money (because I know I can pay the money if I have to) rather than guarantee that I lose money by taking out insurance. If my circumstances were different and I knew that if something happened to Sammy I wouldn't be able to pay to help him I would take insurance because I wouldn't take that sort of risk with his life. Sammy's breeder sent me an email the other day to update me on one of Sammy's family members. She is almost 14 and doing well (she knows I love hearing about how long they live for because I want Sammy forever obviously). She has never needed the vet. Sammy's father is now 6, his mother 7 and same story for the 2 of them. Sammy might end up having a terrible accident (even worse than his recent run in with a car) and I might have to fork out 1000's which I will miss, but it will be worth it. On the other hand, I would never get over throwing away money to an insurance company if Sammy went on to live a long, healthy and vet bill free life...

  6. #26
    Join Date
    Oct 2010
    Location
    Southern NSW
    Posts
    3,784

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    I think when you own giants, you expect vet bills....it is kinda a fact of life
    Pets are forever

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