Took Comprehensive Insurance for my very healthy dog ten (10) years ago with 1300. I have had to claim twice in the last 2 years, and the loops I have had to jump through are ridiculous. The online portal does not work (logs me out when I upload a file), the vets notes on the claim form and the itemised account are not sufficient for their purpose, I needed to get a full description of the illness (for a simple blocked and infected gland), and when I did email in a full medical certificate, I heard nothing back.
Ten days later I phoned them ...
Perfect choice of insurance
Setting up the policy was very simple - just follow the guidelines. I have now had 1300 pet protect insurance for my dog for about 9 years. In that period we have had a number of illnesses, some of which are ongoing, and I have found the response to claims to be prompt with regular updates. After making an online claim I usually receive a text message within 24-36 hours advising the claim number and, more often than not, payment has been in my bank account within a week. This policy was a good choice and it is still good value.
If your dog gets older than 9 they price you out so you leave....
I originally took out this insurance 11 years ago everything was included.......80% refund...excellent service..$500 annually..now they sent me a renewal for $2100 annually with many exclusions added during the years.
I have now cancelled my policy but they insist on the last months payment.....but take me to court....it is disgraceful......their service has gotten worse....and guess what they offered accident insurance....yeah great...she’s a boxer and lounges most of the day on the lounge....am putting my money in the bank for when my babe needs it.
Most vital insurance should you end up with a sick pet
We feel that this Pet Insurance has been great, easy to set up and claims are paid quickly, the Vet can lodge them online for us. We had this insurance since we adopted our 2 dogs.
Good while the dog is young
2019. I have had insurance with these guys for around eight years. It used to cost me less than the price of a coffee a week for my "hardy" little dog and I can count on one hand the amount of claims I made, noting they were indeed very minor amd easily approved. Most of my vet visits were annual vaccinations, etc, which are not covered (or teeth). Needless to say my dog is now 11 and I just received a renewal for him this year. BILL SHOCK...it's gone up so much in price I have decided to cancel the policy. I am nervous about it but with a P...plater now in the family who needs car insurance (another rip off) and all the things that come with it, something had to give. I will be banking my money and hoping my dog continues with good health.
I have been with 1300 insurance for a number of years & have make as many claims with no problems
After paying premiums over the past couple of years for my rescue dog (and not needing to make a claim until now), it has taken multiple phone calls to try to get my claim for an infected flee bite paid out. The last two phone calls I was guaranteed it would be paid but I'm still being cross-examined each time a try to get this issue finalised. They are happy to take my monthly payments though and then send yet another letter saying they can't pay the claim. Very frustrating. This is the first negative review I have ever written but I feel people should be aware.
Great Service over the Holidays
Our precious pet, Sugar, became very ill as Christmas approached. We had some very large Vet expenses, which put a big dint in our holiday budget. 1300 Pet Insurance were very prompt during the Holiday period ensuring my claim was paid in record time! Thank You!
Disgusted and Outraged
I have been with 1300 Pet Protect for 6 years now and the service has plummeted while the price has increased sky high! The cost has increased every year quite dramatically and what is covered changes every 5 minutes. I pay more for this then own my top private health cover!! A vet consult at home isn't covered because it's not considered a consult?? I recommend opening a bank account for your pet and putting the money aside rather than paying for this lack of service.
Don't go near this company, they are crooks. We paid 1ooo dollars for comprehensive insurance and you guessed it, it didn't cover this or that. All it covered was if he broke his leg!! Yeah right comprehensive rip offs!!!!!!
Have two dogs with them one had a minor claim which they paid Put in a larger claim for poisoning and you guessed -- under the terms of our policy Rah Rah Claim is not accepted. Don.t go near them
Changes in Policy
I've had my Husky insured since 2010 and have only made 1 or 2 claims which was over two years ago.. When I first took out the policy cremation was covered which is one of the reasons I chose 1300 Insurance. Since taking out the policy it's been changed and no longer covers cremation. My Husky is now 12 and a half years old and is healthy apart from a bit of arthritis. I'm cancelling the policy as I'm paying $44.18 a fortnight and I'll be putting that money into a separate account for the time comes.
Poor service, slow and cumbersome claims process. Inflated pricing
I had my Labrador insured with them for >6 years. I claimed for a minor skin infection a few years back and what a fiasco trying to get your claim paid out!
Now my dog has reached 11 years old and they have inflated the renewal premium by 35%!!! This is blatantly unethical in my opinion. They know I won't get the dog insured with another provider now she is in her senior years.
I've cancelled the policy and will put the $100+ premium per month into a jar for emergencies that may arise. She is perfectly healthy other than the usual arthritis that Labs get....
Was advised by email that the insurance would be cancelled due to late payment. I called to advise them that I would not renew as it was too expensive. They offered, and did send, a new quote for me to consider then went ahead and debited my credit card for the full (highest amount) against my instructions.
They are refusing to do anything more - 'bad luck, the 21 day cooling off period has expired'
Terrible customer service with way too many exclusions
So many exclusion clauses, not worth having, despite having the comprehensive coverage. Terrible customer service. The call centre is overseas and whilst very polite, the operators sound like they are reading from a prompt card and are no help whatsoever. My claim was denied, which I asked to be reviewed. Received rude email asking what I expected them to do about it.
Have cancelled the policy.
Avoid. Total waste of money.
I had my boxer insured with this company and in the last two years he had over $10,000 worth of claims due to his cancer. All claims were paid quickly and without question. When he passed recently the were very understanding and I spoke quite easily to a customer care person who was very compassionate and cancelled my policy for me straight away. All claims were paid within two weeks and I have recommended this company to other friends. When I get my next dog I will insure again with them.
I have had my pet insurance policy for three years. In June this year, my dog was diagnosed with Lymphoma (cancer in the lymph nodes)..... and I have been nothing but 100% satisfied with my dealings with 1300 Pet Insurance. I have paid the oncologist directly and then claimed back 75% from the insurance company. All accounts have been refunded directly back into my bank account promptly -- from posting claim to receiving funds it takes about a week. I honestly have been very impressed!
Efficient processing of claims. They made contact with me when necessary via phone and e mail.
We cancelled our policy
We had two dogs insured with this company for over a year. In that year only one out of four vet bills was reimbursed as they have so many exclusions. The one that was reinbursed required a ridiculous amount of extra documentation and took many months to be processed. Also, I was on hold for 30 min at a time trying to get through to their call centre, which seems to be located overseas. Not worth the money IMO
I lodged my first ever claim in relation to a veterinarian bill of 7 January 2013 for an amount of $352.50. The claim form obtained from the 1300Insurance website was completed and signed by both myself and the attending vet, and posted to the address on the form.
On 18 January I received a reply in the mail re claim advising that ‘We have recently received your claim but unfortunately we are unable to finalise your claim based on the information provided’. The following documents were requested to finalise the claim: Claim form, Invoice, V...et history. I then scanned the necessary documents, minus the original claim form which was already posted and which had obviously been received given they had responded to it in the letter dated 18 January. These documents being tax invoice, payment and vet history were emailed to email@example.com as per the instruction on 24 January. I heard nothing back so after four weeks of silence I rang but was unable to get through and sent an email on 25 February. Again I had no response so followed up again with an unsuccessful phone call and an email dated 11 March. It took until 12 March from my 24 January email for a response to be sent which repeated a request for the claim form – already received, and the Invoice – which was scanned in the documents forwarded on 24 January and again on 25 February. Yet again I responded on 18 March in an email requesting a call as I could not get through on the telephone number provided despite several lengthy attempts but again nothing happened. On 20 March an exact repeat of the previous letter was sent ie ‘We have recently received your claim…unable to finalise…provide us with the following’ – claim form and tax invoice.’ Again I tried to get through to the telephone number but waited for almost an hour. I then contacted my bank to put a stop on my direct debit.
|Category||Pet Insurance||Pet Insurance|
|Annual Benefit Limit||$10,000||$15,000|
|Amount of Vet Bill Covered||Up to 75%||Up to 75%|
|Minimum Pet Age||8 weeks||8 weeks|
|Accidental Injury Cover||Included||Included|
|Illness Cover||Not Included||Included|
|Routine Care Cover||Not Included||Included|
|Tick Paralysis||Not Included||$500|
|Emergency Boarding Fees||$500, $20 per day||$500, $20 per day|
|Cooling Off Period||21 Days||21 Days|
|Cruciate Ligament Conditions||$2,600||$2,600|
|Waiting Period for Illness||Not Included||30 Days|
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