2 questions from our users
I have accidental Pet insurance with AFS PetMed. The only claim ever made was when my Golden Retriever ate an entire ball and this was paid no problem. (It involved a lot of vomiting!)
However premiums have shot up from $22 to $35.50 per month and I have 2 dogs covered, so I'm now paying $70 per month!! I am thinking of swapping to Bow Wow Meow as their premiums for same cover are $38. Reviews seem favourable.
My question: Why do premiums go up for ACCIDENT cover? Surely older dogs are more sensible, less likely to run off and do stupid things and are generally slower in every way - it doesn't make sense! I understand premiums rising for illness cover, but I've never had mine covered for this. Has anyone ever queried this?
We did a bit of research and spoke to the staff at Petmed they told us they do not have accident only insurance and all theirs is all comprehensive that covers sickness as well, Our vet advised us to get comprehensive, he told me that the accident only plans are the ones he sees a lot of people unhappy because many problems are classed as an illness even if you think it is an accident. What if your dog gets an accidental illness? Maybe you should check your policy or give them a call.
What is the best pet insurance company?
I here Woolies are doing a good job. Note there is only one underwriter in Australia, though there are multiple companies that look like they are insuring you. Hollards - a South African company.
I am with Woolies but I heard that Bow Wow Meow are ranked the #1 pet insurers ranked by over 500 people. I did read testimonials and they are very good. I am thinking to switch over.
Be very careful about swapping insurers for your dog because you will not be insured for everything if you have claimed before, once you claim for something it is going to be pre existing when you go to the new company, stay with who you are with right now if you have made any claims. My friend found out the hard way and her dog is not covered for some things that can happen again. You can fill in a form after I think 1.5 years and they might get rid of the preexisting condition rule.
ProductReview.com.au has affiliate partnerships. These do not influence our content moderation policies in any way, though ProductReview.com.au may earn commissions for products/services purchased via affiliate links.