Hi everyone! Haven't dropped by in awhile.
We are going so well with Hooch. He is thriving, happy doggie!! He is still a little destruction on 4 but these days he keeps to things under $1000 a pop. Big improvement!
My question is... We are with medibank pet insurance (80% no excess).
Somewhere here a long time ago I read that if say Hooch is treated for a condition (cruciate ligament for example.. totally made up condition), next year when it is time to renew the policy, the condition will be considered pre-existing and not be covered by Medibank.
I am worried as I want to make sure that as Hooch gets older and we find any chronic or recurring conditions - all will be covered no problems!
I saw RSPCA has lifetime cover but you still have to renew every year.
I am totally confused and would like to ask if someone could clear this up for me. What is a good (no excess) pet insurance policy? what are the pitfalls and should I look for another company?