Friendly staff, quick and easy claims! Great service, highly recommended!
Prosure is a great pet insurance to have! Staff are always helpful and friendly. Claims are quick and easy. Overall, very happy with this pet insurance and knowing we get back 80% of vet bills is great piece of mind!
Penalising their Loyal Customers with increase in Premiums and reduction in Benefits !! Wow what an
We have been continuous customers with Prosure Pet insurance for 8 years, our most recent Policy has increased by 10% and our Benefits had been reduced - what an UNETHICAL company. Called them to discuss the issue which took up 1 hour of my time with what sounded like low level outsourced call centre staff. Eventually got to speak with a 'Manager' The said this was an 'across the board' decision... which they eventually admitted meant all customers had this happening to them - wow Thanks Guys, remind me never to speak to a Pet Insurance person at a BBQ - bloody low lifes !!
Not the best for senior pets
Have been with Prosure for 8+years. Fine when my dogs were young and healthy. As I now have a senior dog, I am stuck with their massive premium price rises as I cannot change to another company and be covered for illness. Also I am noticing they are 'discreetly' removing a number of blood tests from policy, which are necessary for senior health prevention. Getting a new puppy soon, not sure if I will sign him up with this company.
Poor cover and take 30 days to respond
We bought a Shar Pei, our intent was to get cover for our dog as know Shar Pei's often need eye surgery or have issues with their ears at some point in their life.
Having spoken to the call centre and then taken out insurance, our new dog arrived. Within the first week it needed eye surgery so we had the work done. I claimed (all by post which is a dated system), but 30 days post op we were told we were not covered due to a 30 waiting period. Fair enough.... if you ever read the fine print in the back of the booklet which states this special...type of treatment (had we been vets and known what the treatment was called, we could have waited the 30 days and been covered..so its all little silly.) End result, we are now never covered for the treatment of the condition and nor will any insurer now take us on and cover this. So we have chosen to cancel insurance as it is purely just another expense...that is of course unless you have the time to manipulate their system. I wish I had listen to more reviews...
Good most of the time
no excess and pay 80% for my dog who is 13 yrs old now. They monthly cost is getting to high and seems to go up at a crazy rate as each year renews and always the same reasons you get behind it every year. I have had trouble with some claims and the diagnosis has been changed from what the vet has diagnosed which surely is illegal. also had to chase them up a few times over mistakes being made.
Absolutely a scam! Don't go with them.
Terrible experience. Life limit on cruciate ligament is a pain in the butt. Especially bad for owners of large breeds. They are also extremely rude and only want to avoid to pay what they should. Do you research before you sign up.
Hard to contact by phone
For various reasons I have needed to contact Prosure by phone and it has always taken a long time to get through, even at 8.30am in the morning, just as they open! Very frustrating. Otherwise they have been fine and my cat visited the Vet last Saturday and the refund is already in my bank account, one week later.
Pros and Cons
When I purchased this insurance I got the top level plus wellness for my golden retriever who I got at 8 weeks - her first vet visit after I got her she had a ear infection which I tried to claim during the cooling off period which unfortunately means they now completely pre-exclude ear infections which for me is a big issue as my dog usually gets 2 or so a year that cost me upwards of $150 - apart from this they have been relatively decent. When my dog was 8 months old she had to have shoulder surgery which ended up costing $3,500 and thankful...ly I got 80% of that back. Fees for thought though, I was originally pay $25.45 a fortnight when I first got the insurance 4 years ago and now it is at $82 a month and is going up another $20 this roll over period. Unfortunately I do think that is overpriced however due to prosure being underwritten by Hollard Insurance it is quite hard to find another insurance that will cover as everything I have claimed up until this point will be pre-excluded - Make 100% sure this is the insurance company for you. As for people saying they have to wait for cheques - if you provide them with your bbs and account number or get it direct debited they will automatically put it in this account.
Efficient with phone inquiries and claim processing.
I don't know why people gave this 2 stars but Prosure worked for me. I have the Gold cover with maintenance bonus. All I had to do was to bring paperwork to vet on the day of treatment, mail the signed form, wait for 4 weeks and cheque was the mail (All together processing time was 4 weeks, but I got a touch-base SMS 3 days after mailing out the form to let me know my claim was received by them). I guess people who had hassle with this company did not read the PSI before submitting a claim. Accident and illness ONLY claimable AFTER 30 days of ...commencement of your cover. In addition, the phone queue was very short and I waited only 2 mins before my call was professionally answered. I have no issue with this company at all. NB: my pet cat is under 1 year and no claims for surgery was submitted for this claim so I cannot comment on surgery claims. My successful claims were maintenance claims and illness claims.
EDIT 21/06/2014: They have just informed me that they are increasing my payments by more than $10 a month! They were already more expensive than other insurers at $43 per month (I pay $33 for my other Cavalier with another insurer, same underwriter), now it'll be over $53 a month! I have no choice but to stay because other insurers won't cover previous conditions, despite all being underwritten by the same insurer.
ORIGINAL REVIEW: I've been with Prosure since my dog was about 5 months old. Just made my first claim after 2 years with them a...nd there were no problems at all. It was a small claim, under $100. Sent in her history, claim form and invoice from vet and got a cheque back in the mail within 3 weeks. Very easy - just followed the process as per their instructions. I will certainly update Product Review of any future experiences, but this has made me confident with the process and their service. Reasonable turnaround, no questions asked HUGE increase in price for loyal customer, mail only claim form submission, only provides cheques (does not have the option to deposit in back account)
Last Month my French Bulldog got an ulcer on his eye that quickly went from not a problem to dangerous.
I took him to a specialist eye surgeon, where they had to give him a corneal gaft.
Beside myself and nearly in tears I had to leave him there.
It has been 2 weeks and he is back to his old self
4 vet visits and heaps of medications later #prosure has refunded close to $2000 of expenses!
If your pet has no preexisting medical conditions (Hank was 6weeks when I took out cover) There is no question in my mind this is worth every cent
Update: ...I recently wrote a review singing the praises of #PROSURE PET INSURANCE - I still stand by it. This is the best thing i could have ever done. BUT be careful of the way your vet words or defines a treatment. My dog had a cold, sneezed and snot everywhere, when I claimed I was ased to provide more information. Which I had the vet do. My vet put it down to #KENNELCOUGH. Prosure DO NOT pay out on Kennel Cough They paid - I didnt have to worry about anything more than my dog's health Pay by cheque is a tiny bit annoying
Prosure formerly Vets own
Ive been with this company for 5 years and they have never rejected a claim. My older Lab required complex surgery costing me over $11000 and they refunded 80% minus an excess of $50.They can take up to 10 days to process claims but Ive had no problems with this company and had to call them once and the operator was helpful.
They only accept claims by mail which slows things down a bit.
Efficient and they did exactly what the PDS stated
They do not pay
I selected silver cover, which doesnt cover everything but does cover surgery and hospitalization. Didn't get a cent back for anything after my dog had a seed removed from his ear, just a vague letter saying my level of cover was not enough. Asked them what level and they could not provide an answer.
A company to avoid.
Bad Company Not recommended.
I have had my policy for eighteen months. My dog had skin cancers (squamous cell carcinoma) which needed removing otherwise they would have spread to other organs and caused death. Prosure have knocked back my claim. Why? Don't know. I have Gold Cover. I haven't yet contacted them only receiving the letter today. Will update when I have spoken to them.
Nothing, wish i had chosen another company
Slow service, good coverage
I have been with ProSure for over 3 years now and have had good rebate for all my claims - up to 80%!
Thought my only negative comment would be in relation to the service. They are very slow in replying to emails and rarely you will get through to someone on the phone.
They only accept claims through the post - get with the times ProSure!!
only accept claims via post, then can take up to 2-3 weeks to process. Slow service all round
If you want to cancel your Prosure pet insurance be aware that you will have to pay out the balance owing on your annual premium. This applies when you have made a claim, no matter how small, during the premium period. My policy was renewed in October 2012, I made a small claim for an insect bite in November 2012, want to now cancel the policy because I can get cheaper elsewhere and am told that I must pay out the policy to the next renewal date, October 2013. That will teach me to read the PDF a little more closely.
In 8 months I had no claim, my dog and cat haven't seen a vet in 2 years except for regular vaccinations. 1 month after submission of the first claim and prosure still asks for vet history that has been already supplied. Prosure sends regular mail in order to delay the process and asks for a prompt reply within 14 days from the date of the mail. I have 500 dollars of unpaid claims and I've already thrown additional 500 in the bin for no inexistent service. Stay away from these thieves and liars.
I've been with Prosure since getting my rescue dog almost 2 years ago. I've only ever had to provide her history once, with no questions as to the 18months before I got her. Aside from routine health checks, I'd had no real claims until she was bitten by another dog on Christmas day. I waited until she'd recovered before sending in the receipts, and was reimbursed within a few weeks (end of January), no questions asked. Seems I've been very lucky compared to others. I'll certainly be staying with them come renewal time!!
Claims accepted & finalised within a few weeks
Questions & Answers
Which is the best bonafide pet insurance?
I notice Prosure Pet Insurance and RSPCA Pet Insurance have the same mailing address, can anyone explain this to me I am a little confused, having opened a new policy with RSPCA pet Insurance after ceasing my policy with Prosure due to my dissatisfaction?
they are the same thing: australia wide there is only 1 underwriter across all insurances....maybe only Allianz is independent...thus making the pet insurance world a mono/oligo-poly
Hi Judy, cannot answer your query about the mailing address, but I am looking to cancel my Prosure policy due to dissatisfaction. They have refused to pay my claims, despite letters from my vet etc. I hope you have more luck with the RSPCA insurance.
All Pet Insurers eg RSPCA, Aust Post, Coles and more are under the umbrella of Holland Insures, Pet Sure is the company that looks after all the claims for all insurers and is based on commission. Pet Sure is offshore company in the Philippines . So your not dealing with Australian people, your dealing with Philippinos ggggrrrrr and any one considering pet insurance think again its a giant rip off as I've lost $2,500 aud and that's a lot of money
|Category||Pet Insurance||Pet Insurance||Pet Insurance|
|Contact Number||1800 424 917||1800 424 917||1800 424 917|
|24-Hour Phone Contact||No||No||No|
|Annual Benefit Limit||$8,000||$12,500||$14,500|
|Amount of Vet Bill Covered||Up to 80%||Up to 80%||Up to 80%|
|Minimum Pet Age||8 weeks||8 weeks||8 weeks|
|Accidental Injury Cover||Included||Included||Included|
|Illness Cover||Not Included||Included||Included|
|Tick Paralysis||Not Included||$500||$1,000|
|Emergency Boarding Fees||$500||$800||$1,000|
|Cooling Off Period||21 Days||21 Days||21 Days|
|Cruciate Ligament Conditions||$2,600||$2,600||$2,600|
|Waiting Period for Illness||Not Included||30 Days||30 Days|
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