Comments on: Anyone Know About Cat Insurance Please?

By: t123

t123 — Sun, 27 Sep 2009 07:05:31 +0000

car insurance is always expencive for the 1st year and goes down every year after often its more expencive than the car if the car is not worth much go for 3rd party if its worth a bit its worth paying the extra and going fully comp
and shoping around is always a good idea

By: Jill E

Jill E — Sun, 27 Sep 2009 00:58:13 +0000

DirectLine is good. It can be a lifetime insurance and the premiums do not increase with age.

By: JOHN P

JOHN P — Sat, 26 Sep 2009 20:19:37 +0000

As far as my knowledge,this is a question with various answers,it is really depending on the mind of yourself,providing a great resource here http://www.insuranceidea.info/free-insurance.htm for reference though.

By: vash sunglasses RC JMJ

vash sunglasses RC JMJ — Sat, 26 Sep 2009 17:24:52 +0000

I don’t know much about it, but I did just get pet insurance from the ASPCA a couple of months ago. So far it’s been great and it costs only $20 a month for a whole lot of coverage.

By: redlady

redlady — Sat, 26 Sep 2009 15:03:26 +0000

Try were possible to cover your cat for lifetime illness,that way if your claiming for something that’s going to need ongoing treatment,they wont cancel that part of the ins after 12mths.

By: Tulip

Tulip — Sat, 26 Sep 2009 13:00:32 +0000

i personally don’t like it, as the ones that are around my area are absolutely waste of money, they don’t cover you if your pet is over 9years old
Benefits to you:
The Sterling Plan covers accidents and illnesses as well as essential wellness care, like basic vaccinations and annual exams. It also helps you pay for treatments for chronic or long-term conditions that appear in the previous plan year.
If you’re concerned about chronic or long-term conditions, the Sterling Plan can put your mind at ease with some extra peace of mind.
* Treatment and medication for injury
* Spaying and neutering
* Canine and feline distemper combo vaccinations
* Boosters for puppies and kittens
* Rabies vaccine
* Annual physical exam
* Fecal exam
* Heartworm testing
* Standard vaccinations and boosters including Canine Distemper (DHLPP), Feline Distemper (FVRCP), Coronavirus, rabies vaccine, and boosters for puppies and kittens
* Treatment for some chronic and long-term conditions that manifest in a previous plan period
NONE OF THE ONES IN AUSTRALIA COVER YOU FOR THIS!http://www.aspcapetinsurance.com/plans/s…
Unless stated on Your Certificate of Insurance,We will not
reimburse Vet Expenses attributable to:
1. a Condition specifically excluded on Your Certificate of
Insurance;
2. a Condition where the diagnosis is inconclusive, but where
the treatment protocol is similar to a treatment protocol
typically applied to an Accident or Illness which is not covered
(eg; treatment for coughing where kennel cough is suspected
but not diagnosed or excluded as a diagnosis);
3. a malicious act, deliberate injury or gross negligence caused by
You or anyone living with You;
4. Your failure to take all reasonable precautions to protect Your
Pet from aggravating a treated Condition;
5. breeding or obstetrics, or treatment of Conditions arising as a
result of breeding or obstetrics;
6. grooming costs and bathing (including medicated baths);
7. transport or boarding expenses (subject to clause 4.1);
8. Treatment while Your Pet is used for commercial or
occupational purposes unless specifically agreed to by
Us in writing;
9. Treatment of behavioural problems, training or therapy and
alternative therapies (including, but not restricted to,
consultations and treatments involving homeopathic remedies,
acupuncture, chiropractic treatments and/or physiotherapy);
10.regular prescription or dietary pet food, vitamins, mineral
supplements, whether recommended by Your Vet or not;
11.diagnostic tests, unless they result in a diagnosis of a
Condition which is covered under Your policy;
10
12.Treatment Your Pet has received after the Policy Period has ended;
13.the provision of medication/s for Your Pet that cover a period
of more than thirty (30) days beyond the policy End Date;
14.Treatment of any Condition caused by war activities
(including, but not restricted to, terrorist activities, invasion
and civil war);
15.routine examinations, elective, cosmetic, dental or
preventative procedures and treatments (including, but not
limited to, vaccinations, routine anal gland expression,
flea/tick/worm control, desexing, nail clipping, tail docking,
teeth cleaning/scaling, orthodontics or gingivitis);or
16.ambulance fees and non-essential hospitalisation.
17.Our Liability in respect of house calls and out-of-hours
treatment is limited to the amount that would have been
payable had the treatment been provided at a vet practice
during normal consultation hours unless the Vet believes an
emergency consultation is necessary.

By: Grey Mare

Grey Mare — Sat, 26 Sep 2009 06:03:17 +0000

I have two cats and one dog insured with PetPlan, and whereas it is true that the premium does increase with age, it does not outweigh the advantage of insurance cover.
Up to the age of eight years, the premium only rises in line with inflation. After eight years old, there is an age related increase on the basis that the older the pet, the more likely it is to need veterinary treatment.
It is also true that with some insurers, they will continue your insurance with them, after the pet’s eight birthday, but, if you let your insurance lapse, you can’t re-insure it. No insurers will take on the risk of an older pet, so insurance before the eighth birthday is a must.
Be aware that some insurers will only pay out for one year’s treatment, (per illness or condition) whilst others will pay out for the lifetime of the pet..