Author Topic: pet insurance  (Read 1045 times)

Offline andredt

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pet insurance
« on: March 20, 2017, 03:46:04 PM »
Does any one have pet insurance for vet bills.

My girl got sick with kidney stones and had to get extensive surgery done to get her out of pain. She is still in a critical condition but im praying hard that she will pull through.

So im currently sitting on 15k seems it will end up closer to 20k. Its not really money i have but she is more important to many than any amount of money.

Obviously i would like to look at getting some pet medical aid in future for my two furr babies but before i pay R500 a month for them i want to be assured that other members are using it successfully.

thanks

A
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Offline Toxxyc

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Re: pet insurance
« Reply #1 on: March 20, 2017, 03:55:11 PM »
I did some research on it and found that most, if not all pet "medical aids" only cover partial expenses at vets.

Offline Trompie67

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Re: pet insurance
« Reply #2 on: March 20, 2017, 03:59:31 PM »
Highly recommend.

We use Equipage for all our animals - horses as well as dogs/cats. They are also clients of mine, and are a really great group of ladies.

As a brokerage they are super efficient - will take calls & help with policy related matters at any time - literally any time, like 02h00 (I've yet to see a horse get very sick during normal daylight consulting hours).

We have critical care as well as day to day veterinary cover. There are limits, just as with a regular human medical aid. The limits are generous though - critical care on horses is R80k per event which will cover most of a colic op & aftercare.

Have a look here for more details: http://www.equipage.co.za/products

I can't remember what the small animal cover costs as we pay the premiums annually including mortality & loss of use on the horses so it's all lumped together. Give them a call, speak to Nicole or Heather.
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Online JonnyP

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Re: pet insurance
« Reply #3 on: March 20, 2017, 05:23:53 PM »
Is that for all pets or just larger animals? Cats and dogs tend to be less of an 'investment' in monetary terms so a lot of vet cover is a high price for the animal?  As for the 2am horse call, yep, used to rent a converted garage at a riding school/stables.  I have been there, done that, got covered in horse manure in a pair of boxer shorts and t-shirt holding parts of a horse for the vet and avoiding being bitten or kicked.
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Offline Dolby

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Re: pet insurance
« Reply #4 on: March 20, 2017, 06:27:20 PM »
:(

I went through the same thing lat May with my cat ... cost R20k and they unfortunately couldn't save her. Also money I didn't have - but she meant everything to me as well. Hope all works out.

I think with cats, the cut off is around 8 years old ... so my remaining can't go on as she is slightly older. When I'm back on feet, I'll get my kitten (under 1 year) on something ... so also going to be keeping an eye on this thread

Offline Gerlach

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Re: pet insurance
« Reply #5 on: March 20, 2017, 08:23:30 PM »
Share you feeling. Happened with mine on a Sunday night. Find my cat in state that we were thinking his not going to make it. Rushed down to Panarama Vet to find out that he's got bladder infection and they not sure if his going to make it. 8 days later and close to R8000 he was back to normal.

Maybe this can help you, we found in the Santam contract  that they acteally do pet cover up R2000, so if you are at Santam, give them a call and follow up with them. I know it's not a lot,but every bit helps.
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Offline Gerlach

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Re: pet insurance
« Reply #6 on: March 20, 2017, 08:28:13 PM »
oooo yes speedy recovery and stay positive.  if she recover full, change her food over to Hills prescription C/D food. only the vet sells it.
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Offline ScottulusMaximus

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Re: pet insurance
« Reply #7 on: March 20, 2017, 08:46:33 PM »
We've got Rogz insurance. Doesn't cover full amounts but includes vaccinations, and if something disastrous happens they'll at least cover a big chunk of it.
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Offline Rotten Johnny

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Re: pet insurance
« Reply #8 on: March 20, 2017, 09:05:09 PM »
I think with cats, the cut off is around 8 years old ... so my remaining can't go on as she is slightly older.
Not even your vet can tell you how old your cat is, how's the insurer going to?
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Offline Dolby

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Re: pet insurance
« Reply #9 on: March 20, 2017, 09:20:02 PM »
Not even your vet can tell you how old your cat is, how's the insurer going to?

My vets quite close ... within a few years.

Offline Rotten Johnny

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Re: pet insurance
« Reply #10 on: March 20, 2017, 09:22:33 PM »
Then your cat's six last time I looked.
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Online JonnyP

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Re: pet insurance
« Reply #11 on: March 20, 2017, 09:44:30 PM »
Then your cat's six last time I looked.

And that is why pet insurance is either unavailable or expensive.  It's sad that even Vets are charging ridiculously high fees.  Then again, the medicine is probably high cost.

I don't have pets (live in a flat) but the cat that decided to crap on my doorstep the other day was definitely healthy (If I find out who is the owner, they will not be!)
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Offline Trompie67

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Re: pet insurance
« Reply #12 on: March 21, 2017, 04:30:24 AM »
Is that for all pets or just larger animals? Cats and dogs tend to be less of an 'investment' in monetary terms so a lot of vet cover is a high price for the animal?  As for the 2am horse call, yep, used to rent a converted garage at a riding school/stables.  I have been there, done that, got covered in horse manure in a pair of boxer shorts and t-shirt holding parts of a horse for the vet and avoiding being bitten or kicked.

3 different policies.

SHU Equine cover as well as Critical Care cover. Critical Care covers up to R80k per event. SHU covers day-to-day veterinary items as well as required equine flu twice a year & AHS vacs. Also has limits, but they are fairly generous.

Paw-Paw Pet Cover is for small animals, and also has limits per event that are pretty reasonable. Our one cat got run over at age approx 1 year. Cost of local vet, specialist vet to pin her back together (titanium is very expensive!) plus just over a years treatment with weekly visits to drain & eventual skinning operation to treat & prevent a persistent seroma came to just under R40k. Local vet was amazing, only charged for consumables for the weekly drainage & eventual operation. Of the costs submitted to PPPC for the two operations & associated care thereafter the fees were around R38k. We had to chip in R6k.
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Offline Trompie67

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Re: pet insurance
« Reply #13 on: March 21, 2017, 04:56:32 AM »
And that is why pet insurance is either unavailable or expensive.  It's sad that even Vets are charging ridiculously high fees.  Then again, the medicine is probably high cost.

I don't have pets (live in a flat) but the cat that decided to crap on my doorstep the other day was definitely healthy (If I find out who is the owner, they will not be!)

I really don't have that much of an issue with what vets charge. Consider minimum 7 years of study. The cost of eventually setting up your own, or with partners, veterinary practice. Continuous learning and studying. Continuous upgrading of the facilities at the practice - as an example Blue Hills Vet installed & commissioned an CT Scanner this year large enough & complex enough to scan small animals & equines! Last year they helped design, install & commission a machine/contraption that allows for the scanning of a horses tendons whilst the animal is still standing - a world first! The cost of x-ray equipment. The hours worked (thinking specifically of equine vets here). Most vets that do call outs have a "mini-practice" in their vehicles - like portable x-ray machines, fibre-optic endoscopes, ultra-sound scanners etc.

Nah, let them earn, their overheads are huge. Whilst I've never met a "poor" vet, I've certainly never met one that could be called excessively/obscenely wealthy either. Fair pay for a hard job I'd say.

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Offline chrisc

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Re: pet insurance
« Reply #14 on: March 21, 2017, 08:50:31 AM »
I was paying Medipet R160 odd a month from 2011 to 2014.  According to the Ts&Cs, there is a 15% excess.  However, when submitting a claim for R9100 for a dog that had to be kept in the vet's surgery for 4 days, all kinds of limits were quoted to me and after months of correspondence, received R2000 as an "ex-gratia" payment.  Even though the dog had swallowed some seaweed, they trotted out excuses like "Pre-existing conditions" and "Congenital defects".  Upon querying these, I was told that daschunds are known to suffer from back problems.  What this had to do with a stomach problem I never found out.  I got the impression they were looking for reasons not to pay.  I then stopped the debit order and for about a year thereafter, received statements showing I owed them an ever-increasing amount.  They claimed not to have received my email cancelling the policy, but I got confirmation from my ISP that they had received the email about 10 mins after I sent it