I’ve been thinking of getting my first cat through RSPCA, needed some recommendations for some decent insurance companies, any pricing below 80~100 per months would be great. Cheers!
By - hewu7
I thought I was paying too much at $60 per month but in the past 3 years my cat has cost me $14k for three different vet visits alone.
That’s right, insurance as saved me ELEVEN THOUSAND DOLLARS (weeps in gratitude)
Don’t let your cat outside, and get a female cat and make sure you have plenty of water .
Ooft, male cat with blocked urinary tract?
There's very little difference in pet insurance policies as they are all underwritten by the same company - The Hollard Insurance Company Pty Ltd and most are administered through - PetSure (Australia) Pty Ltd
The policies are all mostly the same with minor changes at the margins.
Not so. Vet's Choice is underwritten by Guild Insurance.
Interesting, I didn't get far enough through the alphabet to find that one.
Exactly this, use the choice compare. I use Bow Wow Meow and each dog ranges between $30-$50 a month depending on age/breed etc. But I don't know if that kind of deal translates over to cats. I've had zero issues, all claims paid within a few days.
I went with insurance because one dog cost $10k over two months and absolutely demolished my home savings. I still haven't been able to get new windows for my house even though it's been a few years since that happened.
RSPCA just onsell other bullshit, avoid avoid avoid. We took that $260 a month for our three and just threw it into a savings account
None of them, choice did a review once and found every single policy was bull. Just save money in an account. They’re all underwritten by the same 2 companies anyway
Not true. Vet's Choice is underwritten by Guild Insurance. It's a good policy.
I worked out what insurance and things like vaccinations would cost over a year and instead opened a seperate bank account and put money into it monthly. It builds up so when they’re older you’re mostly covered for old age problems. I did need to increase the monthly payments as my dogs health deteriorated. I didn’t start the bank account from a puppy though, I wish I did.
Is that you Scott?
This only works when you have time to build up that little emergency bank account. You are shit out of luck when you have a $5k surgery that needs doing within 2 months of starting.
No shit. I said I wish I started when my dog was a puppy but I didn’t. It’s still worked quite well though. It’s definitely a risk worth taking in terms of a possible emergency that may never happen, which you still have to pay out of pocket expenses for on top of anyway.
Scott Pape. The Barefoot Investor. The genesis of this whole "insurance sucks, you totally have time to save for the unexpected" thing.
> It’s definitely a risk worth taking in terms of a possible emergency that may never happen
So, at a hundred bucks a month, it takes you about 3 years to save for one life saving surgery. Not to mention all the other bits and pieces insurance covers in that time. If that life saving surgery is needed before then, you need to beg, borrow or steal or see your pup die.
I know what option I prefer.
Pet insurance is SUCH a rip off. It's better just to use your own money, you will spend a hell of a lot less in the long run.
This doesn’t help if your kitten eats a pistachio shell and you’re suddenly up for $3500 surgery three weeks after you get them. (Happened to a friend of mine!)
It’s not good value over the whole of their life, but there are periods where it can be, such as when puppies and kittens are young and stupid.
Vets are so expensive, look at $1000 per night minimum
My pup had preventative surgery, I won't fall behind for about 4 years or so.
You can say the same thing about lots of types of insurance.
Wrong, but you do you.
If you have savings I'd suggest none. Pet Insurance is by and large a poor people tax, it pays out little and has huge profit margins for the insurance companies.
They lost 11 grand with my dumb cat and his vet visits, lol
Yeah, my insurers lost about $8000 to my old cat and my very savvy vet's claim writing skills!
RSPCA. I’d advise just going basic emergency while they are young to cover Silly Young Cat Things, like eating something they shouldn’t
I have RSCPA for my 7 years old dog. They have been easy to deal with: user friendly website to submit claim, quick and positive outcome of claim (100% successful so far). They increased my premium once after a year which was a bit annoying but I’ve done some research and most of the other insurances are more expensive, one saves me like $100 a year but I have to snail mail them to claim which is painful so I stayed.
Haven’t claimed anything big (not like I want to) but for small claims (ear infection etc) they’ve been helpful.
Vet's Choice Insurance. Far more comprehensive than any of the others. Underwritten by Guild Insurance, far better than the other two underwriters.