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Old 22nd October 2015, 10:58 AM   #136
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we'd need to put away probably $3-5k a year *just* incase something happens.
No, you just need to put away the premium amount. The "risk" you would have to find money for is serious injury/illness in the first year or so, until you had stashed a sufficient fund. The upside of self-insurance is that the fund is still yours if your dog doesn't get some horrible disease or have a serious accident costing shitloads.
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Old 22nd October 2015, 3:21 PM   #137
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No, you just need to put away the premium amount. The "risk" you would have to find money for is serious injury/illness in the first year or so, until you had stashed a sufficient fund. The upside of self-insurance is that the fund is still yours if your dog doesn't get some horrible disease or have a serious accident costing shitloads.
True, but say your dog had an accident and did both knee ligaments, you could easily blow (I don't now but say) $5k fixing that.

Or $2000 on a paralysis tick bite and associated care.
Or $3000 (I've seen quoted) (per hip) for Hip Dysplasia.

Those sort of numbers, unless you had been saving for years and years without incident, make pet insurance more palatable.

Or in the case where you have HD, and one hip goes ($3k) and the other shortly after.

....

I see it like car insurance, home and contents insurance, etc etc. Better to have and not use it, that need it and not have it.
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Old 22nd October 2015, 3:52 PM   #138
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I see it like car insurance, home and contents insurance, etc etc. Better to have and not use it, that need it and not have it.
House insurance is usually better value than pet insurance. You pay (say) $1000/year in premiums for $350000 house. You can't put away a spare $350000. You can put away $5000.... If your house burns down, you pay your excess and they cover the rest. Every claim on pet insurance has you paying a contribution.

My dog had 2 bionic knees. It set me back about $600 each op. My cat had thyroid issues, it cost me $50 for his pills and I had to pay for special food for his wee problem. Even for my "defective" pets, they still didn't cost me what premiums would have set me back.

I think the insurance is more "worth it" for big dogs than for little ones - the premiums don't really reflect the much lower cost for little dogs' medications and procedures. You wouldn't get an op for $650 on a lab or a wolfhound. It'd be heaps (heaps) more. I'm big on having insurance, just for pet insurance, I've decided to self-insure. It really depends on your circumstances. I probably would have kept it if not for the exclusions and I would have renewed my dog's but the insurer was completely disinterested in keeping the policy.
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Old 22nd October 2015, 9:21 PM   #139
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I think the insurance is more "worth it" for big dogs than for little ones - the premiums don't really reflect the much lower cost for little dogs' medications and procedures. You wouldn't get an op for $650 on a lab or a wolfhound. It'd be heaps (heaps) more.
Medication is cheaper to a fair extent, but surgery costs are no different (obviously depends on the vet, but none of the hospitals I work at would charge anything noticably different).
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Old 22nd October 2015, 9:26 PM   #140
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Good point there.

In our case being a boisterous lab, who bounds around with endless excitement (when she gets hyped up), and who goes with us here there and everywhere, probably a good thing for us
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Old 22nd October 2015, 9:59 PM   #141
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but surgery costs are no different
Don't you need more sedation and anaesthetic, dressings, bigger hardware, more elastic bands, stuff?
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Old 23rd October 2015, 7:01 AM   #142
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Yes, but you are mostly paying for service.
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Old 25th October 2015, 7:47 AM   #143
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insurance only pushes up the fees vets charge to begin with as many of these policies were first started by vets and or pet suppliers

5k vet bill the dog gets put down

but then I guess it depends if your a fur baby type of person or much more realistic about life and death and the value of money
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Old 25th October 2015, 9:08 AM   #144
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value of money
Isn't the best value spending it on things you love that make you happy? How do you reach the $5k amount? Is it cumulative? One go? I don't think it's quite as black and white as you put forward.
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Old 25th October 2015, 10:04 AM   #145
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depends on the type of person you are as I said, for me a 5k one of cost the animal would be put down

you see a kangaroo on bondi vet having 3k spent on it repairing a broken leg and the local farmer shoots 10000 of them, everyone has a different perspective

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Old 25th October 2015, 10:51 AM   #146
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Our cat recently cost $1500 to have six teeth removed, this made me consider insurance, but no policy i looked at included dental?
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Old 25th October 2015, 11:22 AM   #147
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but then I guess it depends if your a fur baby type of person or much more realistic about life and death and the value of money
I don't think it has to be one extreme or the other.

I'm somewhat in the middle where I understand it's an animal (as am I...) and animals sometimes die. But if it's something easily enough curable by spending some money then I'm the one who undertook to be responsible for the life when I brought it home. Putting it down over a broken leg (for example) seems like a super shit shirking of responsibilities.
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Old 25th October 2015, 11:31 AM   #148
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but no policy i looked at included dental?
That's the thing. The ones I looked at didn't seem to respond to the things most likely to arise.

I think it is possible that having the insurance will just encourage the vet to do more than they otherwise might....

My dog had a "thing" and she got into the clutches of those who thought that I'd like to spend thousands of dollars for them to use her as a guinea pig. I wouldn't, and I didn't. None of it was necessary for her benefit - just for theirs.
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Old 25th October 2015, 11:49 AM   #149
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Putting it down over a broken leg (for example) seems like a super shit shirking of responsibilities.
Which is why you see plenty of animals at rspca with either recently operated legs or amputated etc.

Or Ipswich seems to be a shocker for injured animals roaming around.

Dump and run
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Old 25th October 2015, 11:51 AM   #150
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The vet I take my cat to for his hyperthyroidism (fixed by applying cream to the underside of his ear twice a day) told me she had brain surgery performed on her cat to remove a tumour. I wander if insurance covered that? If it was my cat I would have it humanely put down. I've also read stories of people having kidney transplants performed on their cats. I wander if insurance covered that? Again I'd have the cat humanely put down. There's a program on TV about taxidermy and a woman had her dead cat stuffed and put on a pedestal in her lounge room. I wouldn't do that but I have a photo of my cat sitting on his stand with his eyes closed in meditation as the screensaver for my computer.
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