Pet Insurance?

Discussion in 'Pets & Animals' started by svendenhowser, Nov 20, 2008.

  1. cbb1935

    cbb1935 Guest

    If you take out additional vaccination cover, do you also have an excess in order to claim that back??
     
  2. broccoli

    broccoli Member

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    Not the policy I looked at, the basic 'maintenance' fees covered were reimbursed in full.
     
  3. scips

    scips Member

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    Just signed up with medibank, $428/year for a 15month old whippet on the silver plan. Upping to gold didnt seem worth the extra $20 a month for the slightly higher limits, and the 165 annual rebate....thats like 1 vet visit.
     
  4. MR CHILLED

    MR CHILLED D'oh!

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    Can you give an idea of what sort of things your pet is not covered for?
     
  5. kha-khees

    kha-khees Member

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    Running through the logic on this now, I find the cover terms to be very vague (even in the couple of PDSs I've looked at).

    Running the sums themselves seems that you are better off accounting for the event of vet bills in your own savings rather than the insurance - most of them require you to front up the bill and they essentially do cashback anyway?

    and geeze, what's the point of benefit % limits AND having an excess?
     
  6. MR CHILLED

    MR CHILLED D'oh!

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    That's the gamble you take with any insurance though.
     
  7. broccoli

    broccoli Member

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    To discourage claims other than for serious events/chronic illness.
     
  8. cbb1935

    cbb1935 Guest

    I wouldn't have a dog without it... because if the chips are down and something major needs doing, I'd prefer to have the best medical care for her, without the horrific price tag.

    If you dog ends up somewhere like SASH or ARH it can easily be thousands of dollars.
     
  9. occxlr8ed

    occxlr8ed Member

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    Anyone have any experience with insuring a dog that's about to turn 9 years old this year? (that's never had pet insurance before)

    It's either between BowWow or HCF at the moment.

    Thing i am trying to avoid is a huge hike in premiums once we have to renew in a year later? As pretty much we would be locked in with the company we start with, as once the doggo is 9yo+ you can't reinsure with another company due to age restrictions.

    Any tips?
     
  10. ipv6ready

    ipv6ready Member

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    Ouch have you got a quote already?
     
  11. broccoli

    broccoli Member

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    Be aware that anything he's been treated for, ever, will be excluded. You can't avoid the premiums going up, if that's what they generally do. The only thing you could do is ask the company what the likely increase will be.
     
  12. cbb1935

    cbb1935 Guest

    We are with PetPlan. Never had a premium rise in 2 years.
     
  13. broccoli

    broccoli Member

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    Yes, but your dog is young. Does it take a huge leap when she becomes "elderly"?
     
  14. cbb1935

    cbb1935 Guest

    She was 5 and a half when we took it out in 2015, 6 in 2016, and has not increased.

    People are whinging about premium increases from 3 years of age.
     
  15. occxlr8ed

    occxlr8ed Member

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    He's been a good doggo and never been treated for anything besides an accident where broke his ceramic bowl and cut his paw *touchwood*.

    I guess we'll commit to one of them and hope for the best. Premiums are around $750 a year for him.
     
  16. bboredd

    bboredd Member

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    I would get max coverage. Pets don't get younger, and their issues will only get more expensive e.g. neoplasia, cruciate disease, renal disease, emergency treatment...I could go on...for the sake of Millhouse, dental disease haha.
     
  17. occxlr8ed

    occxlr8ed Member

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    Yeah this is for max coverage.

    No point getting low coverage for accidents only.
     
  18. ipv6ready

    ipv6ready Member

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    Im with HCF Pet Insurance and currently pay $55 per month for 1 year old shih tsu x poodle (paid from 10 weeks old)

    Was thinking about changing to Medibank Pet insurance, any caveats with them?

    Actually in general is there any caveats on chopping and changing insurance for Pets.


    With humans, we get a certificate etc.


    So far other than desexing, general check up and worming had nothing to claim.
     
  19. broccoli

    broccoli Member

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    Medibank is a bunch of lying cheating thieves.
     

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