Give Your Pet the Gift of Health this Christmas!
At Animal Doctors our greatest desire is to treat your animal in the best way we can. Pet Insurance allows both you and us to focus on the best treatment options for your pet in an emergency, or illness, without the worry of money.
Did you know that 66% of all veterinary visits each year are due to sudden illness?
As more people are out and about during Summer, many accidents occur in these active months.
A sick or injured pet is stressful enough, but not being able to afford treatment can be heartbreaking.
Pet Insurance gives you peace of mind that you can be there when your pet needs you most.
If, like many people, you like to spoil your pet at Christmas consider putting that money towards Insurance for your loved one. For as little as 50c a day you could rest easy knowing that financial help will be available if your pet suffers an accident.
At Animal Doctors during December and January, PetSecure have offered 10% off all Pet Insurance for the life of the policy.
Additionally, all pets who are start cover by any Insurance during these months will receive a FREE CHRISTMAS GIFT from Animal Doctors. Just email us to let us know which policy you have chosen and we'll wrap your pet's gift ready for pick up.
Like human health insurance, there are many plans offered by many companies for Pet Insurance.
So much information can be daunting and some helpful tips include:
1-Decide what you want from your pet's insurance beforehand.
a) will this be for accident and illness cover only? (the unexpected costs of owning a pet)
b) would you prefer to keep premiums low and plan for known costs (eg. vaccination, worming, flea/tick control)
2 - What is your budget?
The supreme/premium level cover sounds great but can cost a lot more than basic accident cover. While the 'cheaper' policies often have more limitations/less cover.
3- Excess?
This is the amount you pay in the event of a claim. The excess level you choose will also affect the monthly cost of your pet insurance. It is important to find out if the excess is payable PER CLAIM or PER CONDITION.
4- Pre-existing conditions?
These are any disease diagnosed or injury occuring before insurance is taken out. Usually these problems will not be covered by insurance. It is important to be aware of this especially if the condition requires costly treatment.
5- Maximum Annual Benefit
The benefit limit is the maximum amount that is paid each year. Check and compare annual benefit limits between the different policies. Some policies differ between limits for accident or illness, with certain conditions (eg. tick paralysis) sometimes having a lower limit. It is also worth checking if the benefit payable decreases as your pet ages.
6- Waiting Periods and Exclusions
Policies are likely to have a waiting period for illness cover, but accident cover generally will start right away.
After the waiting period is over, are there any conditions that aren’t covered? Some policies may exclude certain “breed specific” conditions.
7- Claims Deadlines
Ensure there is a reasonable amount of time to make a claim after treatment of your pet.
8- Try your personal health insurance company.
Many human health insurance companies also offer pet insurance including Medibank, Allianz, Manchester Unity and more. Ask about multi-policy discounts.
9- More than 1 Pet?
Many companies offer discounts for multiple pets so it is worth considering these. Discounts may also be avaibable for assistance dogs or pensioners.
10- Shop around.
Drop in to pick up some brochures at Animal Doctors or google 'Pet Insurance Australia' for a more complete list of what's available.