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  1. #1
    Rutabaga's Avatar
    Rutabaga is offline Getting it together, one day at a time.
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    Default Is pet insurance useful?

    I've been thinking about getting pet insurance for a while now, but I'm not really sure that it will make much difference in the long run. Has anyone here got it? We have two dogs.

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    I have it for my dog and even though she is a healthy four year old, it has been useful! I'd recommend it for sure.

    If you are with certain private health insurance companies they offer pet insurance as an added extra. I think we pay around $10-$12 a month for Sophie's insurance.

    Just last week we got $80 back after we took her to the vet as her eyes were a bit goopy.

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    Rutabaga  (16-06-2012)

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    I have been wondering this myself so am looking forward to everyone's replies. My problem I think is that I have too many pets. The RSPCA one insures just one pet and you have to pay extra for each additional pet. Are they all like this? Because insurance for 8 might be a bit beyond my reach.

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    Rutabaga  (18-06-2012)

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    Another "pet insurance" to consider is to insure against the damage they may cause.

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    Rutabaga  (16-06-2012)

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    Quote Originally Posted by LoveyDovey View Post
    I have it for my dog and even though she is a healthy four year old, it has been useful! I'd recommend it for sure.

    If you are with certain private health insurance companies they offer pet insurance as an added extra. I think we pay around $10-$12 a month for Sophie's insurance.

    Just last week we got $80 back after we took her to the vet as her eyes were a bit goopy.

    Just wondering, (if you dont want to share, then dont worry), was $80 a high percentage of the total vet bill? Also $10-12 per month is $120-144 per year, do you think you have claimed more than that in a year?

    For anyone else, do you think that perhaps its better to put $X amount in an account per week/month for vet bills?

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    Subscribing because I have also thought about this. I read through the fine print from one insurer though and it didn't cover a lot of things, so I wasn't sure it would be worth it.

    I'm also interested who people recommend?

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    I've got it through RACQ for my 2 cats and dog. I've claimed on both the cats more than once. You get up to $500 back (less $50 excess) on each claim. However if your pet has the same ailment more than once it's only covered the first time. I think it was only $10 a month extra on the premium for the kitties. Couldn't tell you what it is now the dog is added. Receiving $450 after a big vet bill makes it hurt less financially so I'm happy with it

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    Rutabaga  (16-06-2012)

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    Hi guys. Just wanted to share our experience. We are insured with Petplan and have 2 dogs for whom we pay $47 per month each.

    One of our Bulldogs was diagnosed with luxating patellas in both of his back legs (this means his kneecaps move around when he walks). He had surgery about a month ago on his right leg as he would have become crippled and riddled with arthritis otherwise. He is due for his second surgery in 3 weeks.

    Petplan paid out over $5k for his surgery and also covers all of his physio and any related expenses. The second surgery is estimated to cost the same. I honestly don't know what we would have done had we not had insurance. We love out dogs so we would have found the $$ somehow but it's a massive relief not having to worry about it.

    Just keep in mind that pet insurance will obviously not cover existing conditions. We are very lucky that Barney was diagnosed 3 months AFTER we took out the insurance.

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    Rutabaga  (16-06-2012)

  14. #9
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    lola77 is offline BH Advocate - Sydney: Northern Beaches
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    I cannot recommend insurance enough.

    It is much more common in the UK than here so it's something we've always done.

    When our ridgy/rotty started limping and we took him to the vet, they thought it was his cruciate ligament and referred us to a specialist the next day as we had insurance. Unfortunately, he was diagnosed with osteosarcoma and needed his leg amputating. He went on to have 3 rounds of chemo, all covered by insurance. It ran out in the end but we'd claimed around $10k. That allowed us to spend a precious 9 months with our fur baby. Without it we would have been bankrupt or had to have him put to sleep.

    That was with Vets Own insurance.

    We have our new dog with PetPlan and haven't had any problems, although the claims take a month or so. Just got $250 back from a $350 claim for a skin infection.

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    Rutabaga  (16-06-2012)

  16. #10
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    lola77 is offline BH Advocate - Sydney: Northern Beaches
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    Oh and I also meant to say that all insurances re not equal. Speak to your vet about their experiences but I know some companies stop paying for long-term health conditions (like diabetes and arthritis) after a year, whereas others cover for life.

    Check the fine print!

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    Rutabaga  (16-06-2012)


 

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