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  #21  
Old 22.07.2021, 07:21
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Re: Dealing with pet insurance

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Honestly, just forget about pet insurance and stick a regular monthly sum in a separate bank account to cover such things. I do that for my yearly tax payments and it works a treat.
Really? My pet insurance is about 300 a year. Let’s say he lives to be 14, that’s 4500. If he needs any serious treatment it’s going to cost way more than that. He needed surgery at 4 months old before we got insurance (thinking we’ll just put some money aside) & that incident has cost about 4-5K.
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  #22  
Old 22.07.2021, 07:42
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Re: Dealing with pet insurance

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Honestly, just forget about pet insurance and stick a regular monthly sum in a separate bank account to cover such things. I do that for my yearly tax payments and it works a treat.
Well that's probably a good idea now for us, with a an older dog and an insurance that doesn't pay out promptly.

Realistically an 11 year old Frenchie is not likely to need long term expensive treatment.

But a younger dog and a good insurance willing to pay out could make sense.. If it needed regular medication, vet visits or big operation.
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  #23  
Old 22.07.2021, 07:52
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Re: Dealing with pet insurance

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Really? My pet insurance is about 300 a year. Let’s say he lives to be 14, that’s 4500. If he needs any serious treatment it’s going to cost way more than that. He needed surgery at 4 months old before we got insurance (thinking we’ll just put some money aside) & that incident has cost about 4-5K.
Sure the insurance will be cheaper, but if they give you hassle over paying up .... And if it works on you paying the bill and then claiming it back from the insurers I can't see it makes much difference just saving up ahead of time.

300 a month would give you 3,600 in a year. Times that by 14 and you have 50,400 to cover any expenses. Also makes a nice emergency fund for anything else that might come up.
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  #24  
Old 22.07.2021, 09:08
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Re: Dealing with pet insurance

As I said in an earlier post, Epona was difficult for an allergy issue and wouldn't pay. Other than that they have just been slow to pay, but they have paid. We had two claims rejected because the vet hadn't put Watson's name on the invoice, but we submitted new, corrected, invoices and they settled them immediately (and NOT 6 months later...).

They haven't quibbled about emergency fees for weekend vet visits either.

It's worth reading the contract well because they have different levels of coverage. Their top level, iirc, covers everything, even congenital defects, but it is expensive.

We compared with the Mobiliar (as we have most of our other insurances with them), but their policy didn't make sense. They have a CHF 200 excess for each event, so you wouldn't be able to claim for relatively routine vet visits, but only the big stuff.
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  #25  
Old 22.07.2021, 09:34
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Re: Dealing with pet insurance

Something that might factor into decisions to take out pet insurance, or not:

Prices seem to have gone up in the last couple of years, after twenty years of remaining pretty stable. (Greater ZH/SZ/ZG area.)

Whether your cushion comes via insurance or savings, a pet owner should review one's own situation periodically to make sure that an unexpected expense can be met. More and more it seems that some serious but perfectly treatable illnesses now can run well into four figures. Some even beyond.

Just an FYI.
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  #26  
Old 22.07.2021, 10:40
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Re: Dealing with pet insurance

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Sure the insurance will be cheaper, but if they give you hassle over paying up .... And if it works on you paying the bill and then claiming it back from the insurers I can't see it makes much difference just saving up ahead of time.

300 a month would give you 3,600 in a year. Times that by 14 and you have 50,400 to cover any expenses. Also makes a nice emergency fund for anything else that might come up.
It's around 300 per year.. So that makes it somewhat attractive when the bills can be so high.. Getting the payout however can sometimes be the issue.
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  #27  
Old 22.07.2021, 10:51
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Re: Dealing with pet insurance

This thread has me worried, as we adopted a baby Bengal cat a few weeks ago, and I decided to go with Epona (full coverage) instead of Animalia… I hope it will work out ok!
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  #28  
Old 22.07.2021, 11:08
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Re: Dealing with pet insurance

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This thread has me worried, as we adopted a baby Bengal cat a few weeks ago, and I decided to go with Epona (full coverage) instead of Animalia… I hope it will work out ok!
We’re getting a new kitten in a couple of weeks and I was leaning towards Animalia for insurance for her.
Based on the replies here I think I’ll stick with that option.
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  #29  
Old 22.07.2021, 11:33
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Re: Dealing with pet insurance

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It's around 300 per year.. So that makes it somewhat attractive when the bills can be so high.. Getting the payout however can sometimes be the issue.
Yes, I got that. I'm just pointing out that saving the same per month would net you a fair amount in a year to cover any vet bills.
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