Dog & Cat Insurance...who?

Discussion in 'Horse and Rider Insurance' started by supersezabell, Oct 23, 2008.

  1. supersezabell

    supersezabell Well-known Member

    Hey all,

    I want to insure my dog and my cat but was wondering what peoples experiences were and who they thought were the best to cover them, i also want one that covers pregancy if possible.

  2. Mufasa

    Mufasa Active Member

    Years ago I used (I think they were called) Asia Pacific.
    They were great .
    One of my boys had retained tesicles poor boy.
    The op was about $600.00 we only paid $80.00.
    But we are talking about nine or ten years ago.
    Its good I think if you only have a couple of animals otherwise it could get expensive to insure them all.
  3. supersezabell

    supersezabell Well-known Member

    thanks for that will look into them, only have 1 cat and 1 dog to insure so hopefully wont be too costly!
  4. Mufasa

    Mufasa Active Member

    I know that they didnt cover vaccinations,sterilizations and microchipping.
    Not sure about now.
    As for the breeding dont mean to sound rude but I think you should leave that up to the registered breeders.

    WITCHERY Well-known Member

    I don't think it is really worth it, the same with horse insurance. I have an animal account where I place money in each fortnight I guess that is my insurance for when my animals get sick I think you would be wasting a lot of money you would be better off having the money incase something went wrong. Any money I make off my aninmals by selling them and not what also goes into this account.

    I also have it on a high intrest account at the moment i am getting 10 %intrest on any money I put in the acount.

    I use this money for any vet bills, breeding bills and I dip into it when i am running low on money and I am feeling norty teehee (not that happends oftern)

    Insurance companies do not cover a lot of costs (things that you think they would but they don't)
    Last edited: Oct 23, 2008
  6. RPS

    RPS Well-known Member

    Insurance companies do not cover a lot of costs (things that you think they would but they don't)[/QUOTE]

    You must read and make sure you understand the policy and it's conditions before you take out the insurance. If you aren't sure, make sure you ask or get clarification.
  7. supersezabell

    supersezabell Well-known Member

    Its ok im not offended, im not looking to breed her to "sell puppies" etc im only planning on breeding her once and that will be when shes getting on in life (say in about 8 yrs time lol) and i'd like to breed her so i can have a part of her as she is simply a gorgeous dog with a beautiful temperament which i believe would pass onto offspring.
  8. Serenity

    Serenity Well-known Member

    Hi, being someone that works in the veterinary industry, I personally think it is a good idea. There are many different companies out there that offer insurance, so the best thing to do is do some research, and find a policy that suits your requirements - just like our health insurance. Always make sure you read the fine print. I have seem so many pets euthanased due to financial concerns, and it is heartbreaking for the Owners - especially when there is a 100% chance the animal will recover.

    WITCHERY Well-known Member

    Just a quick change of topic ..... breeding a bitch at the age of 8 is a bit like a human having a baby at 80 it is really not the done thing.

    Animals are breed between 2 and 5 then they are spayed, this is for the animals well being. Also your bitch should be taken to the vet and hip scored a long with a general check up like anything being breed. No insurance company will cover this.

    Just so you understand the costs involved I sell my pure pups for a $1000 each. This does not cover cost we had 8 pups in our last litter and one pup had to be destroyed. $8000 will never bring the heart ache of having to put a baby down.

    So please do not take breeding lightly! Get all the help you can from other breeders.
  10. Mufasa

    Mufasa Active Member

    I totally agree with Witchery on this one.
    You would be horrified to know how many dogs my sister,Highrail 2 and myself rehome each year.
    Leave it up to the Registered Breeders they know what they are doing.
    If you find you cant help yourself make sure you get the puppies sterilized before they go.
    Some vets will do them at eight or nine weeks old.
  11. supersezabell

    supersezabell Well-known Member

    I didnt mean literally when she was 8 i do know the conversion rate of dog to people yrs! Just giving an exaggerated example that im not planning on breeding her like now or in the next yr, i mean shes only 6 months old at the moment!!

    Dont take this the wrong way but im not stupid of course before i think about breeding her id get her scored because shes part rotty which can be prone to hip dysplasia(sp) etc. I am really good friends with a very experienced breeder (40- 50 odd yrs of it)- cats, dogs and horses which all went on to be champions at shows etc who got all sterilized before sale which id do anyway cos im not stupid enough to put entire dogs out there.

    I also find it offensive to imply that i wouldnt know what i was doing as you dont know what sort of research etc i have done and what experience i do have.

    To the original point of this thread i am simply looking for insurance and also to cover her in the time when she will need it.
    Last edited: Oct 24, 2008
  12. jamk9gg

    jamk9gg New Member

    sounds like an expensive venture to have xbred pups(part rottyx)?:confused:
    and the insurance costs as well as sterilization. Im thinking average of about $150 per pup,vacc $60 x 2 per pup;)
    These are only approximate prices and very reasonable I might add.
    Your dog may have six pups give or take a few.
    Research the pounds and shelters to see how many abandoned, neglected, and abused purebreds and xbreds dogs that live in these places.:mad: Many beautiful and kind and lovely natured dogs are euthanased and shot each week in WA as homes cannot be found for the many many dogs out there.
    My gut is in knots each week when I have to turn yet another rescued animal away.#(
    Consider sterilizing! Cheapest option! and much less heartbreaking.**)
  13. supersezabell

    supersezabell Well-known Member

    I already know what i put her to and i know her breeds just said one half to say i know about potential problems. Im not asking peoples opinions on whether to breed or not im asking about who to insure her and my cat with.

    Im going to insure her regardless as its already cost me around $1000 just for the basic things i needed to have done to her and im looking ahead incase of accident or injury i would like to have my dog insured so if anyone can recommend any good places where i can insure her that would be appreciated.
  14. jamk9gg

    jamk9gg New Member

    If you have house and contents or property insurance ask your insurer if they cover your animals as I know some people have their animals covered on their insurers policy:)) :} It may however be limited to subjective issues.;)
  15. supersezabell

    supersezabell Well-known Member

    Thanks for that but unfortunately only insurance i have is on my cars- i rent and dont own anything else thats immensly valuable so no house insurance, can i go through the same people still or not?
  16. GoWelshCobs

    GoWelshCobs Well-known Member

    sez go to yor vet they will have pamplets, or the rspca website has acouple petplan i think
  17. astraia

    astraia Guest

    Sez, I treat a lot of insured pets at work and most are insured with petplan. I recently had clients claim back over $2000 with no problems. They just had to pay their $100 excess. (These people were sooo glad I talked them into taking out pet insurance at the first puppy vaccination!)

    I HIGHLY recommend it. So often I have to euthanase due to cost. I try and talk all my new puppy and kitten owners into insurance. It costs as little as $15 a month for a cat and that covers up to $8000 per year! Yes, you do have to read the policy and look at breed exemptions (and often pregnancy is not covered) but overall I have had very positive feedback.

    Do a google search, there are other companies out there.

    I even have my own pets insured, even though I am a vet. Why? Because that allows me to seek specialist treatment without having to think about $$ if it is something I can't treat myself. For example, one of my dogs recently had stifle surgery. You can have the 'cheap' surgery done for $1500 OR you can go to a specialist and have the better surgery done for $3500. With pet insurance you have that choice! (Obviously depending on the policy). My dog went to one of the best surgeons in WA and was up and walking 3 days post-op and hasn't looked back.
  18. highrail2

    highrail2 Active Member

    By the sounds of your post you have your mind made up & nobody is going to change it:(
    I have rehomed in excess of 200 dogs & puppies all wonderful deserving dogs that unfortunately fell into the wrong hands after being bred in situations exactly like yours, they all escaped being shot, drowned or left to die on the side of the road or if lucky being humanely euthanised, but at least twice as many weren't so lucky.
    If the statistics of how unlikely you are to find forever homes for your puppies & the fact that at least a couple will be killed before the age of 12months due to the overpopulation doesn't bother you, then perhaps think about the risk to your supposedely loved bitch? she could very easily die during whelping her x bred litter. On friday a friend who has 20 years experience breeding exceptional purebred dogs nearly lost a wonderful bitch on the operating table when she hemhoraged during an emergency c section, is this something your willing to risk?
    If I sound harsh too bad, I'm sick & tired of picking up the peices & cleaning up the mess made by people like you who just "have to " breed their bitch, maybe you should take a walk through your local pound on kill day & then tell me if its only bad or unhealthy dogs getting killed? even better why don't you hold that 12 week old puppy in your arms who's owner " had to" breed their bitch while it is euthanised on a cold table at the pound? & then tell me how all your puppies are going to have wonderful homes:confused: WAKE UP!!!!
  19. dayna

    dayna Well-known Member

    Very well said Highrail2.

    Unfortuanately for the puppies concerned, the practice of haphazard breeding is not going to stop. I am a firm believer that breeding should be left up to registered breeders (or farmers/hunters with exceptional working dogs).
    Last edited: Oct 26, 2008
  20. megan

    megan Well-known Member

    I have to agree with highrail as well. Can i say highrail you are an amazing person for doing what you do it must be very hard.

    You dog is a bitza and from what i remember you got her from a pet shop and really you could see you might have been BS about what breed she is as you got told she was neo x rotti and she clearly had no neo in her at all.

    How do i know this as I own a neo and a rotti.

    also you need to think about temp of these puppy you have no idea of the real genetics of your pups and they could play a big part.

    get the dog desexed and do the right thing.

    as for insurance dog with rotti in them cost heaps more again i know as i have one LOL

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