Comment on Discussion Thread đŚ Tuesday 5 August 2025
Gibsonhasafluffybutt@aussie.zone â¨6⊠â¨days⊠ago
Has anyone had a positive experience with pet insurance? Iâm paying 80 a month and tried to get a claim for a check up covered and they denied it.
Itâs my first claim on 3 years.
RustyRaven@aussie.zone â¨6⊠â¨days⊠ago
None of them will cover checkups. They only cover accident/illness (or if you pay extra specifically some cover specific things like vaccination, but you pay more in premiums on that section than they will give you back so it is not a good option to take).
My take on pet insurance is that it is a good option to cover you for big bills if you donât have the savings to cover them yourself up front. My previous dog had about $6k or vet wills in the couple of weeks before she died, I got most of that back. If I didnât have the insurance I would have had to make the decision to put her down instead of having treatment which may have saved her life. If it had worked and they had been able to stabalise her diabetes I would have also had major ongoing costs for insulin etc. which the insurance would have covered.
Iâve now managed to get my finances much better sorted and have enough savings that I can afford to cover a big vet bill if required so I stopped the insurance, but I dont at all regret having had it in the past. The insurance is not there for the small costs, itâs there so when something major happens you have the option of having it treated instead of being forced to have your pet down because you donât have the money.
Gibsonhasafluffybutt@aussie.zone â¨6⊠â¨days⊠ago
That makes perfect sense. Iâm really sorry to hear about your dog.
Itâs not a huge cost, but I was a bit iffy that this wasnât covered. Turns out itâs an extra level of care in the contract.