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Pet insurance - curious question


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As a lot of you probably know through my other thread, Molly and I were attacked recently by a much bigger dog. Molly sustained terrible injuries but has improved so quickly and wants to act as she normally would. She’s proving to be a difficult patient now. I am impressed with her recovery. 
My husband and I were just talking about things. Obviously the vets bill was huge. We don’t and never have had pet insurance. We were wondering if we did have, how much would have been covered by an incident like this. 

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It varies between different policies and can change as your dog gets older too. We used to have insurance through Petsecure and they were good with reimbursing claims and I think we got about 85% back if I'm remembering correctly. They don't cover anything dental related or anything related to behavioural/mental health issues (so Justice's vet behaviourist and medications weren't covered.) I cancelled the policy after being with them for several years though because as soon as Justice was too old to be accepted for a policy with a different provider, they pushed the premiums through the roof and dropped how much they'd cover to 70%, based on nothing but his age. I hadn't claimed much over the years that I had it and I certainly would have lost a lot of money if I'd continued paying the higher premiums. It's worked out a lot cheaper for me to just pay for surgeries and issues as they've come up but we've also been lucky and not had anything that cost thousands of dollars at once. 

 

You might be interested in what Choice have to say about pet insurance policies:

 

https://www.choice.com.au/shonky-awards/hall-of-shame/shonkys-2019/pet-insurance

 

https://www.choice.com.au/money/insurance/pet/review-and-compare/pet-insurance

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Thanks Snook. I’ll have a read of those links. We’ve always thought it’d probably work out cheaper to deal with issues rather than keep paying premiums when you may never actually make a claim. This is the worst we’ve ever dealt with. We’ve owned 3 dogs - 1 had a broken leg, Zena needed a ceaserean and this with Molly now. We’ve also had 5 cats and never had any vet issues with them. Touchwood (Lucy) We were just curious as to how insurance deals with emergency situations. 

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From what I understand, most insurance policies would cover injuries from a dog attack. You still have to pay  the vet up front of course but you would be reimbursed afterwards. 

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It would be case of reading all and then understanding what is deemed an exclusion after the fact .

Dog attack most likely covered what the after effects of that claim is who knows 

 

Like many pet owners take it out but don’t vaccinate ,chances are they won’t be covered due to owners not ensuring they took all means to cover a disease .

Some won’t cover tiger test .

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2 hours ago, Rebanne said:

a ceaserean would not be covered

I didn’t think that would be.  Just things we’ve wondered over the years of being a pet owner. 

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The dog attack would have been covered. e.g. I got 80% back when one of my dogs (accidentally!) injured the other.

(my plan pays me back on 80% of claims. I've yet to be declined)

 

When getting insurance, you just need to be very mindful of what is and isn't covered.

 

My main concerns were to be covered for: activity injuries, snake bite, emergency boarding if *I* am hospitalised, cancers/chemo. So far this has held true (so many activity injuries including a dreaded grass seed and one mystery tummy bug)

 

I am not covered for our rehab physio as the leg injury is pre-existing and ongoing to getting the insurance. But I have been covered when that leg got injured by a certain enthusiastic springing spaniel landing on that leg and injuring it further (to my dismay).

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  • 3 weeks later...

We were looking at pet insurance this past week. Soda (14 weeks) came with 6 weeks

free pet insurance.

 

From what we compared and discovered there are only 2 or 3 underwriters for pet insurance.

 

Depending on the policy, you could have an excess (most were about $150) or not (then you paid a higher premium).

 

Many of the things we wanted coverage for, were not available. Even extra routine cover wasn’t worth the bother. Eg You could claim $80 once for one item only, in a big list of things like desexing, behaviourial, training, osteo etc For an extra $10 a month added to the policy this wasn’t enticing for us.

 

Some policies wouldn’t cover for anything swallowed, some only covered one swalled accident and one had 2. None of the admin/agent people seemed well versed on this when we tried to get clarity on how many times a dog is covered  with accidental swallowing of items.

 

Some policies wouldn’t cover for anything if your dog wasn’t fully vaccinated. Many/most policies didn’t cover parvo even if dog was fully vaccinated.

 

Some policies covered cruciate injuries/patella etc, many did not. Of those that did cover cruciate injuries most required a vet check and clear certificate was supplied within 14 days of taking out insurance.

 

Emergency boarding had a dollar limit - most were pitiful.

 

Extras on many policies had many listed things you could claim but with a dollar limit that wasn’t very helpful.

 

The whole comparison exercise was incredibly difficult as most of the policies weren’t clear and were hard to compare. Speaking to agents was a waste of time - we didn’t get much clarity.

 

We ended up deciding not to go with insurance and instead decided to put the cost of the premium in an account. We have 3 labs so we’ll save for them all.

 

 

 

 

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I don’t think the full coverage is worth the paper it’s written on.  We have accident and ... health? The middle option.

 

It pisses me off that dental surgery and veterinary behaviour are excluded (there’s only one underwriter that includes mental health). The latter especially is ****** up stigma against mental illness BS that NEEDS TO DIE.

 

Anyway, for the dog attack we’d have got 80% back minus a per condition excess.

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They're making a profit... and pet insurance is one of the most profitable parts of the insurance market.  It follows that unless you have reason to bet your dog will require more care than most in its class, insurance is a loosing proposition and you are better off putting money into a rainy day fund.  Also beware, they jack up insurance rates as the dog reaches late middle age, so it's going to cost dearly when you are most likely to need it. 

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