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Old 05.12.2020, 12:54
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Opinions on pet insurance

Hey all.
I'm considering insuring my cat, he's 8 months old, castrated and with no health issues so far. I've heard a lot of contradictory opinions regarding pet insurance, some say I should do it without question, others say it's pointless and never worth the money.
What do people think? Is it worth it? If so, anyone got any recommendations for which company I should use? Thanks!
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Old 05.12.2020, 13:09
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Re: Opinions on pet insurance

If you are considering insurance, a good person to speak with for a provider recommendation is often the person at your vet's practice who does the billing. He or she will know which insurers are easy to deal with, and which might be problematic.

That said...

I don't have insurance, as for most of my time in Switzerland I have adopted dogs who are older, ill, handicapped, special needs - and who would therefore either be uninsurable or who would be saddled with so many exclusions as to make insurance of little value in our case.

The thing to weigh up is whether you are in a position to meet an out-of-the-blue worst case scenario out of pocket - and also whether the insurance plan you are considering would cover that worst case scenario.

As a datapoint: All my dogs have had four figure illnesses - some several times over.

(But the love the critters give is worth every Rappen.)
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Old 05.12.2020, 13:36
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Re: Opinions on pet insurance

There are a number of threads on this topic but the reality is you never know what the future holds.

Some say if you took the equivalent of the annual premium and set it aside that would give you sufficient savings for unexpected costs.

I am not convinced this is true. Vets today rely on diagnostic tools and even what appears to be a simple problem could be costly to diagnose and treat.

An accident or an operation can be very expensive.

For us I think having pet insurance means that we don't hesitate to seek treatment even if it is after hours when one might consider waiting until the following day to avoid an additional chf 200 fee for an emergency appointment.

With most insuance policies you pay the vet directly and await reimbursement from the insurance company. This can take time.
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Old 05.12.2020, 14:05
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Re: Opinions on pet insurance

I think it's not a bad idea as it's not a huge price and could be handy.

But....

Be prepared to fight as many insurances will always try to get out of paying. When ours (Wau Miao) had to pay they tried every trick in the book and my husband was relentless even going to the ombudsman to get them to fulfill their contract.

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Old 05.12.2020, 14:40
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Re: Opinions on pet insurance

Wish Iíd insured my dog before he broke his elbow at 4 months old. We now have insurance with Animalia, but the elbow is excluded! I figure itís well worth the 300 francs a year after what his bloody elbow op cost me
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Old 05.12.2020, 16:04
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Re: Opinions on pet insurance

I would agree that just putting the premiums aside isn't enough if something happened without insurance. Realistically, anything the insurance is likely to pay for is going to be 4 figures at least. If you have millions in the bank, then by all means save the 300-ish a year. But if not, I'd say it's very much worth while, if only to make sure you never have to worry about cost v health outcome.

Our everyday vet is the Tierklinik in Chur and they unhesitatingly recommended Animalia as the easiest and most quibble-free to deal with, so I've gone with them for both critters. They've coughed up really quickly for the (relatively small) amount they pay towards vaccinations.
Wau-miau cancelled the ship's dog's insurance when he began to cost them (i.e. completely against the spirit of the insurance model). Epona have moved into barge-pole territory in the last 9 years - it took me 9 months to get anything out of them when our old cat died last year, and similar with the ship's dog in January, not least because they kept claiming they'd never had the receipts and paperwork. I ended up submitting both claims several times.
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Old 05.12.2020, 19:13
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Re: Opinions on pet insurance

I looked into it. I felt that the premiums generally were way too high for the benefits and the benefit cap. My cat "cost" 250Fr from a shelter. My last vet bill was 600. I could have got a new cat for that! But she's family, so we just pay.

Quite frankly though the cost is part of my calculation. Where you draw that line is a personal decision. If you buy a pedigree, you may feel that you'll pay more (though why a pedigree is more valuable than a moggy, I've no idea - they're all daft as teapots. Just some are more highly bred teapots.)
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Old 05.12.2020, 20:24
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Re: Opinions on pet insurance

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I looked into it. I felt that the premiums generally were way too high for the benefits and the benefit cap.
Animalia have no cap for medical treatment.

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I could have got a new cat for that!
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Old 06.12.2020, 17:27
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Re: Opinions on pet insurance

Thanks all! I'll look into Animalia, seems promising. Here's a picture of kitty (named Morris) for tax

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Old 06.12.2020, 17:52
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Re: Opinions on pet insurance

Do you not get free treatment with the Zoo vet? Job perks? Domestic cat - Tiger - same same
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Old 06.12.2020, 21:21
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Re: Opinions on pet insurance

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Animalia have no cap for medical treatment.
Looks far more reasonable than what I looked at before.

What does waiting period 30 days mean?
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Old 06.12.2020, 21:41
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Re: Opinions on pet insurance

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Looks far more reasonable than what I looked at before.

What does waiting period 30 days mean?
It means if your dog gets sick in the 30 days after taking out the insurance, itís not covered. Accidents covered from day 1 though.
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Old 06.12.2020, 21:52
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Re: Opinions on pet insurance

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It means if your dog gets sick in the 30 days after taking out the insurance, it’s not covered. Accidents covered from day 1 though.
It's a cat, not that changes the point. Well, we've looked at it, and we'll self insure. But it has changed my mind about generally having it, so thank you.
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Old 07.12.2020, 10:54
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Re: Opinions on pet insurance

Animalia also covers some parts of annual vaccination and so on. We've had it for 3 years.
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Old 07.12.2020, 11:15
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Re: Opinions on pet insurance

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Here's a picture of kitty (named Morris)

Attachment 140850
Can I just say that Morris is one of the most handsome cats I have ever seen? He looks like a real character.

Thanks for brightening my day.

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Old 07.12.2020, 16:44
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Re: Opinions on pet insurance

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Can I just say that Morris is one of the most handsome cats I have ever seen? He looks like a real character.

Thanks for brightening my day.

Haha, thanks. Yes, he's a very handsome cat. He's brilliant, so chilled, and acts more like a dog than a cat
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Old 07.12.2020, 20:17
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Re: Opinions on pet insurance

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Haha, thanks. Yes, he's a very handsome cat. He's brilliant, so chilled, and acts more like a dog than a cat
That's not good you know.

My cat is so black she's almost impossible to photograph. Black pads, black fur. #BLM. She's spends the usual 6 hours awake. Meows for food for at least an hour. a day.. we're so hard hearted. She runs into walls head first. When she's asleep, 33% of the time she's a tetris piece. The rest of the time she pretend to be a corpse. I'm convinced she'll live a long time as she seems to spend quite a large proportion of her life dead. Presumably for tax reasons.
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Old 07.12.2020, 22:55
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Re: Opinions on pet insurance

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That's not good you know.

My cat is so black she's almost impossible to photograph. Black pads, black fur. #BLM. She's spends the usual 6 hours awake. Meows for food for at least an hour. a day.. we're so hard hearted. She runs into walls head first. When she's asleep, 33% of the time she's a tetris piece. The rest of the time she pretend to be a corpse. I'm convinced she'll live a long time as she seems to spend quite a large proportion of her life dead. Presumably for tax reasons.
Oh he's for sure a tetris piece, and I'm sure he has some kind of plan take over at least some portion of my life... I'm just enjoying the fact that he allows me to think I've trained him well until it all goes to sh*t ;-)
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Old 07.12.2020, 23:02
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Re: Opinions on pet insurance

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I'm just enjoying the fact that he allows me to think I've trained him well until it all goes to sh*t ;-)
Surely easier to care for than the cats in your day job?
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Old 07.12.2020, 23:06
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Re: Opinions on pet insurance

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Surely easier to care for than the cats in your day job?
Don't work with the big kitties, so couldn't comment. I'd assume that he eats a lot less, though
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