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Thread: Insurance for animals

  1. #1
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    Default Insurance for animals

    I have done a search on this site and seen a few comments. If I have missed a dedicated sticky please point me there.
    I have looked at the Choice comparison table at their site.
    I have never taken out animal insurance before. It wasn't available last time I had a dog.
    Are there things I should watch out for or avoid?

  2. #2
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    It's gotten a lot crapper since Choice did their review.

    Most of them are backed by Hollards so have nearly identical PDS

    There is one that isn't - that's backed by Allianz - which I think still offers to pay out in full.

    My personal experience with Allianz has been crap - so I don't do business with them any more.

    I'm not entirely sure it's worth any more - Hollards only pay out once on each possible condition so if a dog has cateracts in the eyes, they only pay out for one eye. Same if they bust a leg - only pay out for one. If they eat something they shouldn't - and have to have surgery - only pay out the first time it happens... etc. And they only pay out 80%. And that's after the excess.

  3. #3
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    I have checked with Medibank private and have it in writing..if Katy does an injury to her Knee again on the same knee she will be covered for more treatment. As long as it was done by a orhto Surgeon and not a Genral Vet. If her other knee goes she will also be covered............I think there is som confusion there. I pay $106/month for four large dogs. I had a $7000.00 bill a few month ago...i only paid $450.00. You do the sums.
    Same as for the giants, if they bloat and need treatment, it can cost well into the $4000.00......And if they bloat agin they will be covered still. After reading all the stuff onhere, I decided to ask and ask for a written answer. We are not covered for the normal stuff such as vaccination and preventative eletive surgery (desexand gastropexy)by choice. Because that would cost too much. We have been with them for a while so 3 out of 4 dogs are covered 100% and one 80%. We will always have to pay an excess of $450.00 per dog per year......Still cheap, according to my maths
    Pets are forever

  4. #4
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    definitely worth getting their promises in writing.

    My brother had that experience recently. His dog needed 6 lumpectomies, and he phoned the insurance company, described the diagnosis and treatment and the price and asked them how much they'd pay back, and they said 80%, and when he sent the claim in they were offering to pay about 40% which I think might have been for 80% - the excess, and then only for the first lump. WTF?

    But he said go back and check your phone recordings, you already agreed to pay 80%... So I think they're paying up.

    It's like the people on the phones haven't read the new PDS. I do know that Medibank is a bit of an exception - they're continuing their old conditions for their existing customers as best I can tell. PIA just send out a new PDS and contract. But they're a lot cheaper than Medibank private.

  5. #5
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    Hmm this is not an encouraging scenario.
    Possibly I will discipline myself to start a savings account for the Mags

  6. #6
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    well it kind of depends on what kind of insurance "bet" you want to make. If your dog gets bit by a snake or run over by a car, it could save you thousands for an outlay of about $400 a year. It's just not so good on the general decrepid things. Well it helps the first time and after that, perhaps not so much.

    Though it does seem like some of them are paying out despite what the pds says which is very odd for an insurance company.

  7. #7

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    My dog was hit by a car and the initial cost from that was about $1000. Unfortunately, he has since become almost lame in one leg because he won't rest it and as of last night the vet is now worried the ligament is at risk of tearing - it's no longer attached properly. Now I have always had money saved for emergencies but I thought that maybe I should look into pet insurance now because thet vet warned me that he could now end up with arthritis in his knee because of all the swelling. I called a few places and explained the situation - none of them will cover me for any of this, and they even told me that the leg wouldn't be covered even if I'd had the insurance before the accident because it's supposedly a 'repeat' issue. So I would have paid my excess of $450, got 80% of the $1000 ($800 so that leaves me with $350 saved) and then none of these complications that are arising now would have been covered. If Sammy had had issues with his leg at the first emergency vet consult, it would have been covered, but because it has since arisen because he had a minor sprain or something that he didn't rest, it's not.

    Might give Medibank private a call though, maybe they will be better.

  8. #8
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    It seems odd they will only insure one incident of things.There is room for improvement in their policies. My understanding is there are clients who make massive claims and recoup their insurance payments but many people are just not going to get a product worth having.It isn't exactly a peace of mind scenario is it!

  9. #9

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    Quote Originally Posted by farrview View Post
    It seems odd they will only insure one incident of things.There is room for improvement in their policies. My understanding is there are clients who make massive claims and recoup their insurance payments but many people are just not going to get a product worth having.It isn't exactly a peace of mind scenario is it!
    Talking to my vet last night, they made the comment that they often have to be quite creative with their invoices to ensure patients are elligible to reclaim something.

  10. #10
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    Quote Originally Posted by 99bottles View Post
    My dog was hit by a car and the initial cost from that was about $1000. Unfortunately, he has since become almost lame in one leg because he won't rest it and as of last night the vet is now worried the ligament is at risk of tearing - it's no longer attached properly. Now I have always had money saved for emergencies but I thought that maybe I should look into pet insurance now because thet vet warned me that he could now end up with arthritis in his knee because of all the swelling. I called a few places and explained the situation - none of them will cover me for any of this, and they even told me that the leg wouldn't be covered even if I'd had the insurance before the accident because it's supposedly a 'repeat' issue. So I would have paid my excess of $450, got 80% of the $1000 ($800 so that leaves me with $350 saved) and then none of these complications that are arising now would have been covered. If Sammy had had issues with his leg at the first emergency vet consult, it would have been covered, but because it has since arisen because he had a minor sprain or something that he didn't rest, it's not.

    Might give Medibank private a call though, maybe they will be better.
    Your would be difficult, because it would be caused by a pre-existing condition
    Pets are forever

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