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Thread: Pet Insurance Help

  1. #11
    Join Date
    Aug 2009


    Choice didn't have an "ultimate" or single recommendation, they just had a short list from many - which is what I've tried to convey. They did say that they thought that pet insurance could be better value and to watch out for ones that had reduced or capped cover for older animals or ones with chronic (ongoing) diseases.

    Essentially the insurance companies are out to make a profit, so they would rather insure for a fairly unlikely accident / illness than cover things that most people will claim eventually.

    Pet Plan "top cover" $100 excess accident and illness was the only one listed that had "no limit" on the benefit per condition for life of pet, and it was also the most expensive in its category for a dog, but cheapest for a cat. There was nothing listed for Petplan for a higher excess.

    Pet Insurance and 1300 insurance Australia had higher annual benefit limits but these were also the same as the life time benefit limit, not sure how much value there.

    I liked Pet Insurace Australia Accident + Illness cover with $300 excess. It has a life time limit of 15000 (also the same as the annual limit) and was over $100 pa than Pet Plan.

    I haven't really done anything. Theoretically I could "self insure" ie just pay up out of my own money. I really should find out how much some of these procedures are likely to cost. And how much I'd need to spend to keep a good quality of life for the pet. I've heard about cases for pets and humans where they can swallow up infinite amounts of money and still have a crappy quality of life - ie can't walk, toilet or feed themselves. I'm not prepared to do that to my puppy just to keep her "alive" and my mum won't allow me to do it to her (living will).

  2. #12
    Join Date
    Aug 2008
    Perth, WA


    I have just taken out insurance, with Medibank.

    I was just about to sign up for Pet Plan and thought I'd better read the PDS properly. Then I found out that I would only have one year (when Tay turns 7) before I would have to pay the excess plus 35% of the bill. So I decided against it. Glad I found that out before I joined.

  3. #13
    Join Date
    Oct 2009
    Rural NSW


    Three posts only on pet insurance with a link in siggy, hmmmm. Have reported.

    Any posts made under the name of Di_dee1 one can be used by anyone as I do not give a rats.

  4. #14


    Im with medibank private pet insurance and i got the silver membership which i pay fortnightly (you can also pay monthly or yearly) and i pay around $17 dollars for accidently/illness which includes the unexpected illness's like cancer ect. i pay $100 excess per condition eg if you have to go back to the vet a few times for the same condition you only pay the excess once for that condition. im insured for up to $12,000 a year. they have a range of plans/prices
    Medibank Private - Pet insurance ? pet cover for your cat or dog ? Medibank Private

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