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Pet insurance? Tell me about yours please.

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10 replies to this topic

#1 SkeptiHandsOnMum

Posted 18 May 2019 - 07:02 PM

Do you have pet insurance if you have pets? If so, who through? Why did you choose them? How have they been? Can you give me an idea of cost? I want to know costs, but every web page I go to wants my EVERY detail, and I am not in the mood for "follow up harassment calls"

If you don't have pet insurance, why not?

I have missed the boat on one big expense (hip dysplasia ... would you believe I started to investigate pet insurance last week, and gave up because I knew that as soon as they had my details, which they all demanded, I would be inundated with calls ... and then on Monday my pup was diagnosed with hip dysplasia). No lectures required. I am doing that well enough myself.

#2 ghost_cat

Posted 18 May 2019 - 07:21 PM

My experience is not positive.  Had insurance, the annual premiums went from $300 to $330 to $500 in annual fees with no claims.  Be careful in what is allowed  - bilateral conditions are harsh.

#3 SkeptiHandsOnMum

Posted 18 May 2019 - 07:33 PM

View Postghost_cat, on 18 May 2019 - 07:21 PM, said:

My experience is not positive.  Had insurance, the annual premiums went from $300 to $330 to $500 in annual fees with no claims.  Be careful in what is allowed  - bilateral conditions are harsh.
Can you tell me more please?

#4 Ayr

Posted 18 May 2019 - 08:01 PM

We used Woolworths and then switched to bow wow meow. Both good. We have a "high risk" breed and those two were recommended to us by fb groups regarding the breed and cheapest in price when I didn quotes. Always good to get first hand experiences with your breed from those who use it.

We now don't have any insurance because of financial reasons. Also pet insurance isn't like human insurance... We now put what we can aside. Dogs have had no major issues and the chance they will is low given we got to the age they're at now with no issue and they came from a good breeder.

#5 littlepickle

Posted 18 May 2019 - 08:11 PM

I have had a fantastic experience = PM if you would like the company details. Vet emails consultations and invoice and I receive a text within the hour and payment in 3-5 business days.

When our dog was 4 months old we had the cruciate ligament waver completed and submitted - this meant that when he was 8 months old and developed a significant limb deformity we were covered.
Each year we pay up to $200 for this condition and then anything else is 80% covered.
He has just recently been diagnosed with a life long metabolic disorder which has also been covered.

We pay $756 per year and by December 19 it is likely that we would have claimed back $1200 for the calendar year.

Each year the cost of insurance will become more expensive and at some stage no longer a good financial choice.

I am not sure what a  diagnosed hip condition would look like - I assume either it would be excluded from your coverage (probably along with all 4 limbs and spinal) or your it would be very expensive.

Good luck

#6 brownowl

Posted 21 May 2019 - 05:41 AM


We use Petsecure who have been okay, have had a few issues with having to provide complete pet history for every claim. Just got my new premium for next year and looking to change so have PMD you..


#7 ghost_cat

Posted 21 May 2019 - 06:07 AM

Hi - the policy I had included a restriction on bilateral conditions, which is a medical condition that can happen on both sides of the body.  For example, if your dog had hip dysplasia in the left hip or a cruciate injury in the left knee, you would not be able claim should the same condition occur in the right hip/knee.

#8 Chicken Pie

Posted 21 May 2019 - 09:53 AM

We with petplan for one cat, awaiting on a claim so will see.

My other cat was not insured, had she been I would not have had to spend literally thousands to save her life. im crazy like that though - what kills me as I was considering it 3 weeks before, but with waiting times i wouldnt have been covered anyways - now no one will insure her as she has IBD

expensive lesson, like any insurance rather have it and not need it than the other way around

#9 JJJ80

Posted 21 May 2019 - 11:07 AM

We used Petplan for my last cat ... no complaints. Didn’t even use it until his last year. They always paid out quickly.
We now use Medibank for cat and dog. They are fantastic. We claim A LOT, especially for the dog (cancer treatment, surgery, heart condition etc) and they have always paid back 80% within max five or six days. Usually within two days of receiving the claim. Good customer service too.

#10 The new me

Posted 21 May 2019 - 04:49 PM

When I got my dog I read every PDS on the market at the time.  Most are under written by the same 2 companies so terms and conditions read very similar if not same.

When I worked out the cost of premiums, the bilateral exclusions etc, it just wasnt worth it (given I had a healthy pup vet check confirmed)

it sounds like you already have an expensive pre-existing condition that will be excluded.  I doubt you will get value.  

Good luck

#11 SkeptiHandsOnMum

Posted 22 May 2019 - 07:23 AM

Thank you all. So much to consider. Arrrghhh! Lucky he's "the best dog ever".

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