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Old 29th December 2012, 4:58 PM   #106
iSTELTHYi
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Originally Posted by MoNk{LAH} View Post
digging up a very old thread here.

this morning I was told my dog needed to have knee surgery, which i'm willing to pay for (even if its a lot of money, i love my dog)

is there anyway I can apply for pet insurance with someone now so I can get a claim back, even if the surgery is within the next week or so?
I crashed my car a few weeks ago, going to get insurance now so they fix it for me.....


/facepalm lol
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Old 31st December 2012, 5:59 AM   #107
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Pretty sort of obvious answer to that question.. That said, they all seem to have 2 month waiting periods before you can claim on medical issues anyway.
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Old 31st December 2012, 7:48 AM   #108
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We just picked up some insurance (can't remember who now) for our new dog and we have only a 30 day waiting period on all items except cruciate ligaments which are 6 months. When I was looking around I couldn't find a cover that paid 100%, the maximum they would cover is 80%...
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Old 31st December 2012, 7:56 AM   #109
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We just picked up some insurance (can't remember who now) for our new dog and we have only a 30 day waiting period on all items except cruciate ligaments which are 6 months. When I was looking around I couldn't find a cover that paid 100%, the maximum they would cover is 80%...
This is the reason i chose against it.
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Old 31st December 2012, 10:01 AM   #110
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Honestly, I can't recommend pet insurance enough. My Bernese puppy got hygroma's when he was about 6 mths - the pet insurance made what would have been a $3,000 treatment only $1,000 (including the annual premium etc).

Same goes for our lab - she's got a bad habbit of stealing tea towels and socks, tearing them into swallowable lengths and then lodging them in her intestines... pet insurance is gold!!!

Almost every year its paid for itself and we haven't had any "major" illnesses... *touch wood*.
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Old 31st December 2012, 10:26 AM   #111
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Petplan covers 100%. I have it and have used it a few times. I just pay the $100 excess and they cover the rest.

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Old 7th January 2013, 8:55 AM   #112
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Petplan covers 100%. I have it and have used it a few times. I just pay the $100 excess and they cover the rest.

Ben
Do they have breed exclusions?
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Old 7th January 2013, 9:10 AM   #113
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I dont think so, the website will have all of the details

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Old 7th January 2013, 12:04 PM   #114
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Quote:
Originally Posted by NSanity View Post
Do they have breed exclusions?
Quote:
Originally Posted by ben_qld View Post
I dont think so, the website will have all of the details

Ben
Read their policy... most general 'pet' breads are fine.

Quote:
5. Dogs being used for guarding, track racing or coursing.
6. Any breed of dog that is banned by any Australian Government, Public or Local Authority, or that is crossed with any banned breed or Pit Bull Terrier or Dingo or crosses of these breeds.
7. Any dog declared as a dangerous dog by a Government authority.
8. Any dog that must be registered under the Dangerous Dog Act.
http://www.petplan.com.au/media/pict...licy_12_06.pdf
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Old 7th January 2013, 12:12 PM   #115
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Seems pretty good, will have to compare vs my current policy.

When I first signed my beagles up, a ton of alternates had breed-specific exclusions for certain conditions (e.g hips in large dogs etc). RSPCA was the only one at the time that didn't exclude anything outside of pre-existing conditions.
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Old 7th January 2013, 12:40 PM   #116
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Quote:
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Seems pretty good, will have to compare vs my current policy.

When I first signed my beagles up, a ton of alternates had breed-specific exclusions for certain conditions (e.g hips in large dogs etc). RSPCA was the only one at the time that didn't exclude anything outside of pre-existing conditions.
I have 2 beagles as well. Dumb and Dumber featured below (they are both actually pretty smart)


Click to view full size!


I can sympathize as to the trouble they can get up to resulting in vet bills galore!
The one on the right has had about $6000 in vet bills over the last 18 months. (8 days in animal emergency on fluids after eating a pack of nuerofen.
Luckily hes insured with Pet plan (since we got them so 6 years ago) so we have only paid $200.
We had to pay upfront obviously but had a check in my hand about 3-4 days after sending off the claim.
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Old 7th January 2013, 1:07 PM   #117
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Quote:
Originally Posted by s4mmy View Post
I have 2 beagles as well. Dumb and Dumber featured below (they are both actually pretty smart)

pix
DAWWWWWWWWWWWWWWWWWWWww....

Quote:
Originally Posted by s4mmy View Post
I can sympathize as to the trouble they can get up to resulting in vet bills galore!
The one on the right has had about $6000 in vet bills over the last 18 months. (8 days in animal emergency on fluids after eating a pack of nuerofen.
I haven't had anything major lately (touch wood). We *thought* the older, sneakier, littler one...



Ate a tray of Nurofen - took to the vet immeadiately, had a bunch of "vomit crystals" and produced nothing.

Went home, found the entire contents of the packet. The little bitch just loves the *sound* of pill packets in her mouth.

She had an absess on her paw which was cut out and found to be benign. Bitch went through about 16 buckets (got down to 19 minutes to get it off... Vet had seen nothing like it). Not only that she was a complete vindictive bitch about it - ramming people in the back of the legs with it.

All up i've probably paid $2k and had 80% back.

This guy on the other hand has been relatively cheap.



Slashed his pad open (right open) -> emergency vet visit. Vet's commented on how passive he was. Clearly in heaps of pain but wouldn't bite - just sulked and whimpered a lot.

Bucket dog again, but only about $600.

Oh the other thing is I can claim my annual C5 and heartworm vaccinations with RSCPA. Premiums are about $70/month for the pair of them.
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Old 7th January 2013, 6:48 PM   #118
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Just had a read of the T&Cs.

It said if you pet has an injury or illness over 2 periods, you have to pay 2 excesses. Seems retarded to me if you're continuing the cover....
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Old 2nd August 2015, 4:53 PM   #119
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Thought this might be on interest to people thinking of pet insurance.

"Pets can cost owners a bundle"

http://www.smh.com.au/money/planning...29-gimttw.html
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Old 17th August 2015, 3:04 PM   #120
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Need to start looking into this myself.

Seems the differences in costs between top and medium cover is only a few hundred. So it's more a case of who to go with really.

Should be picking up our princess in a few weeks time !!

MUST.... NOT....SPOIL ....

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