smooch Posted May 19, 2013 Share Posted May 19, 2013 I was with Insurance Line, was happy with it for years until smooch turned 12 than his monthly premium more than doubled to $115 per month, could not afford this on a pension. Link to comment Share on other sites More sharing options...
Rocketeer Posted May 19, 2013 Share Posted May 19, 2013 Im all for taking care of your family and furry friends. I don't wish sickness on anyone. However I believe we as a society are far too Problem focused. We have insurances and plans to cover up every perceived vulnerability we have. We are so focused on preventing sickness/injury that we forget how to be healthy and well. And just it seems like sick people are always getting sick. Injured people are always get injured. Sometimes you just need to listen to what people speak/worry/fuss about, watch and read about. I wish you and your pets all the BEST! I think you'll find most people here go out of their way to feed the best diet, give the most amount of exercise and stimulation and do everything they can to focus on their dogs health and well being :) Sickness and injuries are a part of life, noone is foolproof. I have a breed that is accident prone, and unfortunately for the most part not their fault. If I can spend $1 a day to NOT think about it, for me that is cheap as chips Yes Sickness and injuries are part of life. I don't know anyone who's free of challenges for life. But I have come across people who always seem to be sick or injured. Then you see them around telling the same stories; "poor me", "why is life so cruel" etc . Then they look at people who are happy and healthy and think " They just must be one of them lucky ones" (Lol). Anyone who understands dogs (or animals) will know how sensitive they are to energy. They can feel assertive calm energy and respect that. They can feel fear and panic then become fearful themselves. They can feel people's energy- positive or negative. I have nothing against pet insurance or people who use it. It's just not my thing. Link to comment Share on other sites More sharing options...
Rosetta Posted May 19, 2013 Share Posted May 19, 2013 Im all for taking care of your family and furry friends. I don't wish sickness on anyone. However I believe we as a society are far too Problem focused. We have insurances and plans to cover up every perceived vulnerability we have. We are so focused on preventing sickness/injury that we forget how to be healthy and well. And just it seems like sick people are always getting sick. Injured people are always get injured. Sometimes you just need to listen to what people speak/worry/fuss about, watch and read about. I wish you and your pets all the BEST! I think you'll find most people here go out of their way to feed the best diet, give the most amount of exercise and stimulation and do everything they can to focus on their dogs health and well being :) Sickness and injuries are a part of life, noone is foolproof. I have a breed that is accident prone, and unfortunately for the most part not their fault. If I can spend $1 a day to NOT think about it, for me that is cheap as chips Yes Sickness and injuries are part of life. I don't know anyone who's free of challenges for life. But I have come across people who always seem to be sick or injured. Then you see them around telling the same stories; "poor me", "why is life so cruel" etc . Then they look at people who are happy and healthy and think " They just must be one of them lucky ones" (Lol). Anyone who understands dogs (or animals) will know how sensitive they are to energy. They can feel assertive calm energy and respect that. They can feel fear and panic then become fearful themselves. They can feel people's energy- positive or negative. I have nothing against pet insurance or people who use it. It's just not my thing. That is a tad insensitive. Some people do have tragic lives - they don't bring it on themselves you know. Just be grateful you are not affected. Link to comment Share on other sites More sharing options...
Guest donatella Posted May 19, 2013 Share Posted May 19, 2013 Im all for taking care of your family and furry friends. I don't wish sickness on anyone. However I believe we as a society are far too Problem focused. We have insurances and plans to cover up every perceived vulnerability we have. We are so focused on preventing sickness/injury that we forget how to be healthy and well. And just it seems like sick people are always getting sick. Injured people are always get injured. Sometimes you just need to listen to what people speak/worry/fuss about, watch and read about. I wish you and your pets all the BEST! I think you'll find most people here go out of their way to feed the best diet, give the most amount of exercise and stimulation and do everything they can to focus on their dogs health and well being :) Sickness and injuries are a part of life, noone is foolproof. I have a breed that is accident prone, and unfortunately for the most part not their fault. If I can spend $1 a day to NOT think about it, for me that is cheap as chips Yes Sickness and injuries are part of life. I don't know anyone who's free of challenges for life. But I have come across people who always seem to be sick or injured. Then you see them around telling the same stories; "poor me", "why is life so cruel" etc . Then they look at people who are happy and healthy and think " They just must be one of them lucky ones" (Lol). Anyone who understands dogs (or animals) will know how sensitive they are to energy. They can feel assertive calm energy and respect that. They can feel fear and panic then become fearful themselves. They can feel people's energy- positive or negative. I have nothing against pet insurance or people who use it. It's just not my thing. Fair call, its definitely not for everyone. I only have it for the accident side of things really, in terms of illness that is lottery in life anyway, you can only eat well and do the right things and hope for the best and even then it can still go arse up at any time. I don't know any people who live by "poor me" and always get sick. I work with sick people and for the most part they are good, normal people who got struck by bum luck. Some did the wrong things (drunk/smoked/ate their way to the grave) but I can't think of many that sit there and think "poor me, I'm always sick, why is life so cruel". Link to comment Share on other sites More sharing options...
minimax Posted May 19, 2013 Share Posted May 19, 2013 Im all for taking care of your family and furry friends. I don't wish sickness on anyone. However I believe we as a society are far too Problem focused. We have insurances and plans to cover up every perceived vulnerability we have. We are so focused on preventing sickness/injury that we forget how to be healthy and well. And just it seems like sick people are always getting sick. Injured people are always get injured. Sometimes you just need to listen to what people speak/worry/fuss about, watch and read about. I wish you and your pets all the BEST! I think you'll find most people here go out of their way to feed the best diet, give the most amount of exercise and stimulation and do everything they can to focus on their dogs health and well being :) Sickness and injuries are a part of life, noone is foolproof. I have a breed that is accident prone, and unfortunately for the most part not their fault. If I can spend $1 a day to NOT think about it, for me that is cheap as chips Yes Sickness and injuries are part of life. I don't know anyone who's free of challenges for life. But I have come across people who always seem to be sick or injured. Then you see them around telling the same stories; "poor me", "why is life so cruel" etc . Then they look at people who are happy and healthy and think " They just must be one of them lucky ones" (Lol). Anyone who understands dogs (or animals) will know how sensitive they are to energy. They can feel assertive calm energy and respect that. They can feel fear and panic then become fearful themselves. They can feel people's energy- positive or negative. I have nothing against pet insurance or people who use it. It's just not my thing. That's a hilariously naive view. Link to comment Share on other sites More sharing options...
Sail_Away Posted May 19, 2013 Share Posted May 19, 2013 I did ALOT of research on insurance before I got my dog and all policies are underwritten by 'Hollards' except Petplan who is through Allianz. After reading policies and speaking with various companies Petplan was the only way to go IMO. My only regret is not taking out the insurance the day I got her (as I intended) and within the first few weeks she swallowed a bird of paradise seed (size of 50c) and had GIT upset - luckily she passed it and had some bites on her skin that I wasn't sure about so unfortunately any vomiting/diarrhoea or skin conditions are excluded from my policy for the first 12 months however, the great thing about Petplan is I can have these lifted after this time if I've not claimed for these things in this time - other companies will exclude them for life! I know some people prefer to save money for 'in case of emergencies' with their pets however, it only takes one incident and the money is gone! Plus accidents are most likely to occur in young dogs and by this time the owner wouldn't have saved enough… plus .. what happens when the dog has another accident… and another… don't see the logic in that, except for people that really can't afford the costs of insurance each month. My previous dog got bloat twice and I did not have insurance and spent about $4000 on her - no hesitation but I said to myself, I will always have it for my next dog. It's there for piece of mind. If you have an agreement with your vet and need to claim, Petplan is the only one that will allow the vet to be billed and reimburse directly rather than you paying upfront less excess. Link to comment Share on other sites More sharing options...
Rocketeer Posted May 19, 2013 Share Posted May 19, 2013 Im all for taking care of your family and furry friends. I don't wish sickness on anyone. However I believe we as a society are far too Problem focused. We have insurances and plans to cover up every perceived vulnerability we have. We are so focused on preventing sickness/injury that we forget how to be healthy and well. And just it seems like sick people are always getting sick. Injured people are always get injured. Sometimes you just need to listen to what people speak/worry/fuss about, watch and read about. I wish you and your pets all the BEST! I think you'll find most people here go out of their way to feed the best diet, give the most amount of exercise and stimulation and do everything they can to focus on their dogs health and well being :) Sickness and injuries are a part of life, noone is foolproof. I have a breed that is accident prone, and unfortunately for the most part not their fault. If I can spend $1 a day to NOT think about it, for me that is cheap as chips Yes Sickness and injuries are part of life. I don't know anyone who's free of challenges for life. But I have come across people who always seem to be sick or injured. Then you see them around telling the same stories; "poor me", "why is life so cruel" etc . Then they look at people who are happy and healthy and think " They just must be one of them lucky ones" (Lol). Anyone who understands dogs (or animals) will know how sensitive they are to energy. They can feel assertive calm energy and respect that. They can feel fear and panic then become fearful themselves. They can feel people's energy- positive or negative. I have nothing against pet insurance or people who use it. It's just not my thing. Fair call, its definitely not for everyone. I only have it for the accident side of things really, in terms of illness that is lottery in life anyway, you can only eat well and do the right things and hope for the best and even then it can still go arse up at any time. I don't know any people who live by "poor me" and always get sick. I work with sick people and for the most part they are good, normal people who got struck by bum luck. Some did the wrong things (drunk/smoked/ate their way to the grave) but I can't think of many that sit there and think "poor me, I'm always sick, why is life so cruel". "Poor me" , "why is life so cruel" lol, are only vague examples. I don't imagine people use the exact phrasing. And often excessive drinking, smoking and eating are just attempts to drown out underlying fears, worries, and anxiety. I think if people rested more, exercised more, got out more, laughed more, ate better foods, and just chilled out, let go and enjoyed life more they'd boost their health and vitality a whole lot. There is nothing wrong with wanting to cover yourself. I do have car insurance (for the accident side of things). Link to comment Share on other sites More sharing options...
Sail_Away Posted May 19, 2013 Share Posted May 19, 2013 Im all for taking care of your family and furry friends. I don't wish sickness on anyone. However I believe we as a society are far too Problem focused. We have insurances and plans to cover up every perceived vulnerability we have. We are so focused on preventing sickness/injury that we forget how to be healthy and well. And just it seems like sick people are always getting sick. Injured people are always get injured. Sometimes you just need to listen to what people speak/worry/fuss about, watch and read about. I wish you and your pets all the BEST! I think you'll find most people here go out of their way to feed the best diet, give the most amount of exercise and stimulation and do everything they can to focus on their dogs health and well being :) Sickness and injuries are a part of life, noone is foolproof. I have a breed that is accident prone, and unfortunately for the most part not their fault. If I can spend $1 a day to NOT think about it, for me that is cheap as chips Yes Sickness and injuries are part of life. I don't know anyone who's free of challenges for life. But I have come across people who always seem to be sick or injured. Then you see them around telling the same stories; "poor me", "why is life so cruel" etc . Then they look at people who are happy and healthy and think " They just must be one of them lucky ones" (Lol). Anyone who understands dogs (or animals) will know how sensitive they are to energy. They can feel assertive calm energy and respect that. They can feel fear and panic then become fearful themselves. They can feel people's energy- positive or negative. I have nothing against pet insurance or people who use it. It's just not my thing. I work in health and that comment upsets me. It is very generalised. Have you ever met people battling with cancer? They are some of the most amazing, positive and selfless people I've ever encountered. I never hear them complain about anything, if anything it is the complete opposite and they are always greeting you with a smile and asking how you are. I have a relative who has had her fair share of health issues, along with the rest of her family where nearly every member on their side has some condition from the older through to the children and yet she is positive and never complains. In fact her husband had an operation last week and yesterday he has taken a turn for the worst and needs to be readmitted today.. but she phones and says she made some soup for us and invites us around for tea… she has lots on her mind but still thinking of others. Yes there are people who may have a slightly negative attitude but you don't know their background story, what they have been through. Some people have had very sad childhoods or events happen in their life, that could make any person feel the same way. Link to comment Share on other sites More sharing options...
Rebanne Posted May 20, 2013 Share Posted May 20, 2013 "Poor me" , "why is life so cruel" lol, are only vague examples. I don't imagine people use the exact phrasing. And often excessive drinking, smoking and eating are just attempts to drown out underlying fears, worries, and anxiety. I think if people rested more, exercised more, got out more, laughed more, ate better foods, and just chilled out, let go and enjoyed life more they'd boost their health and vitality a whole lot. There is nothing wrong with wanting to cover yourself. I do have car insurance (for the accident side of things). you are in the wrong thread, you have contributed nothing to the orginal post. It is against forum rules to railroad a thread. Please take your "discussion" elsewhere. Start your own thread in the health forum if you feel the need to share your thoughts. Link to comment Share on other sites More sharing options...
Rocketeer Posted May 20, 2013 Share Posted May 20, 2013 Sail_Away: I'm not here to make a call on anyone's life. Everyone see's the world through their own eyes. Rebanne: I think Health and Pet Insurance are related topics. If you think a thread is getting off-topic you should contact the forum administrator. Link to comment Share on other sites More sharing options...
Rebanne Posted May 20, 2013 Share Posted May 20, 2013 Sail_Away: I'm not here to make a call on anyone's life. Everyone see's the world through their own eyes. Rebanne: I think Health and Pet Insurance are related topics. If you think a thread is getting off-topic you should contact the forum administrator. not when you talk about excessive drinking, smoking etc, our pets aren't really into that, well mine aren't :laugh: Link to comment Share on other sites More sharing options...
LisaCC Posted May 20, 2013 Share Posted May 20, 2013 Sail_Away: I'm not here to make a call on anyone's life. Everyone see's the world through their own eyes. Rebanne: I think Health and Pet Insurance are related topics. If you think a thread is getting off-topic you should contact the forum administrator. not when you talk about excessive drinking, smoking etc, our pets aren't really into that, well mine aren't :laugh: My old lab once licked up a bit of spilt beer... after that you couldn't be around him with a beer bottle without him drooling at you. I'm sure he would've been an excessive drinker if he was allowed to be But yea... completely OT Link to comment Share on other sites More sharing options...
smashtank Posted May 20, 2013 Share Posted May 20, 2013 This is a bizarre thread. Link to comment Share on other sites More sharing options...
minimax Posted May 20, 2013 Share Posted May 20, 2013 This is a bizarre thread. Welcome to DOL :D Link to comment Share on other sites More sharing options...
cavNrott Posted May 20, 2013 Share Posted May 20, 2013 "Poor me" , "why is life so cruel" lol, are only vague examples. I don't imagine people use the exact phrasing. And often excessive drinking, smoking and eating are just attempts to drown out underlying fears, worries, and anxiety. I think if people rested more, exercised more, got out more, laughed more, ate better foods, and just chilled out, let go and enjoyed life more they'd boost their health and vitality a whole lot. There is nothing wrong with wanting to cover yourself. I do have car insurance (for the accident side of things). Well yes, that's precisely what car insurance is about...accidental damage. Car insurance does not cover a malfunction causing the vehicle to breakdown. How very astute of you to acknowledge car insurance covers 'the accident side of things'. Would you claim on your car insurance if by chance you damaged your car by, say, running into your fence or letter box? A situation which could have been avoided had you been more vigilant. I presume you don't have private health insurance since you assume rest, worries and anxiety etc., are the cause of illness. Do you avail yourself of the Government subsidised Medicare system if you need medical attention or do you insist on paying for treatment out of your own pocket? Afterall had you 'chilled out' you probably would not need to avail yourself of medical treatment. I hope your dog never suffers a serious health issue or injury that is very expensive to treat. We all have every right to insure our animals or not. You are exercising your right as are we who do choose to insure our pets. Pet Insurance is optional, as is private health insurance and motor vehicle insurance. I choose to insure my dogs to ensure they receive specialist veterinary treatment for any illness or injury. One of my dogs suffered a ruptured disk in his spine. His specialist surgery cost in excess of $7,700. Because he is insured there was no consideration necessary as to whether I could afford to go ahead with immediate surgery, it was a given. This dog had never had a sick day in his 6 years of life prior to the disk rupture. Had he not had immediate surgery he would never have walked again and would have been euthanised. Link to comment Share on other sites More sharing options...
mita Posted May 20, 2013 Share Posted May 20, 2013 CHOICE (the Australian Consumers' Association) has a well-researched report on Pet Insurance. But people have to purchase (or subscribe) to get it. I have a lot of respect for CHOICE. Their research is objective & thorough. http://www.choice.com.au/reviews-and-tests/money/insurance/personal/pet-insurance-policies-review-and-compare.aspx?gclid=cmof2ftxo7ccfwy8pgodyw0aqa&utm_source=google&utm_medium=cpc&utm_term=australia%20pet%20insurance&utm_campaign=generic Link to comment Share on other sites More sharing options...
JackC Posted May 20, 2013 Share Posted May 20, 2013 I'm new to pet insurance and want to do it for my new pup, petplan seems to be a popular choice, happy to spend the extra, any others worth looking at? medibank? allianz? any companies to stay clear of? Thanks Link to comment Share on other sites More sharing options...
Alibi Posted May 20, 2013 Share Posted May 20, 2013 I obviously didn't put out enough good vibes for my last dog as she passed from cancer, if only I knew good vibes could have prevented it Link to comment Share on other sites More sharing options...
Dame Aussie Posted May 20, 2013 Share Posted May 20, 2013 (edited) I don't have pet insurance, have never needed it so far (I bet I'm shooting myself in the foot now :p) I prefer to put away a bit whenever I can, so I've got a "float" for whatever comes up. So far, so good. I figure that it's better in my bank account than going to an insurance company that may not cover me when I need it, and that way it's there if something else comes up, like when my car crapped out on the way to work a couple months back ($2500-odd later... :|) That said, we've also got the redraw on the mortgage, so if something ridiculously expensive came up, the money's always there. If I was less financially secure then I would probably consider it. Same here. I prefer to put away my own extra money and keep a credit card in case of a really expensive issue. No advice on the kitty crunchies sorry :p Aaaaand just read the rest of the thread Edited May 20, 2013 by Aussie3 Link to comment Share on other sites More sharing options...
Rocketeer Posted May 21, 2013 Share Posted May 21, 2013 Sail_Away: I'm not here to make a call on anyone's life. Everyone see's the world through their own eyes. Rebanne: I think Health and Pet Insurance are related topics. If you think a thread is getting off-topic you should contact the forum administrator. not when you talk about excessive drinking, smoking etc, our pets aren't really into that, well mine aren't :laugh: My old lab once licked up a bit of spilt beer... after that you couldn't be around him with a beer bottle without him drooling at you. I'm sure he would've been an excessive drinker if he was allowed to be But yea... completely OT lol. My friends Chihuahua tried some beer. Then turned around and kicked it over. Link to comment Share on other sites More sharing options...
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