Pet insurance --- is it worth it?!
Last week I took' Jambo' my lab/staff to the vet as he'd been limping and I thought he may have pulled a muscle or
some such as he's very boisterous when playing, anyway ,ended up getting x rays as vet thought it may be the cruciate ligament
and it appears that there's minor grinding in the limb but he didn't recommend surgery as there's quite bad arthritis and an operation really wouldn't help with the pain he had so he prescribed Previcox and gave me 10 tablets initially to see me thru' until this week ( $4.50 a pill )
Well ,I bought a bottle of 60 of the things for $224 to save a bit of cash and I must say that he's like a puppy again, they are amazing.
My problem is with the insurance company , I've never made a claim for anything as he's never had anything major and I 'm to
pay a $200 excess + 20% of the bill, an option I took to keep the premiums lower (5yrs ago)not a problem except that I had to pay the vet the full amount ($592 =2visits + pills) and send Medibank the invoices/recpts before they'd look at my claim@!@!?
What if I couldn't get the money upfront? not their problem and it's unlikely that they will pay for pills even tho' vet said he needs them to keep his condition in control. I thought I was doing the right thing but I would've been better off putting all those premiums into a sep, acccount, has anyone else had issues like this, I've written to the ombudsman and waiting for a case number as I write this. ps anaesthetic was $113, he's 45kgs
The secret to having everything is knowing you've already got it !