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Pet Insurance

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  • 01-02-2019 11:25am
    #1
    Bannergal
    Registered Users Posts: 142 ✭✭


    Can people let me know who they have their Pet insured with and what to watch out for etc

    Thanks


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    #2
    em_cat
    Registered Users Posts: 1,291 ✭✭✭em_cat


    Bannergal wrote: »
    Can people let me know who they have their Pet insured with and what to watch out for etc

    Thanks

    Allianz


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    #3
    tk123
    Registered Users Posts: 14,038 ✭✭✭✭tk123


    Allianz as well


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    #4
    Bannergal
    Registered Users Posts: 142 ✭✭Bannergal


    I went onto compare Ireland thinking it would give me a few options but only one price came up so it’s ascam of a site


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    #5
    em_cat
    Registered Users Posts: 1,291 ✭✭✭em_cat


    Bannergal wrote: »
    I went onto compare Ireland thinking it would give me a few options but only one price came up so it’s ascam of a site

    TBH, pet insurance is still at its infancy stage in ROI & most vets I know will only take direct payment from Allianz. I know it isn’t great for competition but it works out better than nothing.


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    #6
    boomerang
    Registered Users Posts: 3,189 ✭✭✭boomerang


    Allianz and find them great.


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    #7
    cotton
    Registered Users Posts: 629 ✭✭✭cotton


    Another Allianz fan here, great to deal with.


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    #8
    Bannergal
    Registered Users Posts: 142 ✭✭Bannergal


    Thanks all

    I guess I thought insurance would be under €200 but it’s nearly €300 with Allianz


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    #9
    Francis2018
    Registered Users Posts: 8 ✭Francis2018


    I got my renewal with pet insurance.ie it's 241.86. I was disappointed as it was 187 last year so that was 28% increase. They said this is due to the dogs age. He is 5 years old. Also due to claims...no claims in 2 plus years at least. I will have to look it up it could be longer. Tried Allianz for a quote but they will not quote you if you have ever had a claim with another company. Think I am stuck with it.


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    #10
    boomerang
    Registered Users Posts: 3,189 ✭✭✭boomerang


    The cost of insurance really depends on the dog's breed and the dog's age. Some people are disappointed when the renewal price is an increase and they haven't claimed... But with each year that passes in your dog's life, the risk to the insurer increases.

    My dog Josie was covered when she needed orthopaedic surgery a few years back. Allianz paid out €1,200 without a quibble.

    Now she's had a CT scan and various tests/treatments for vestibular disease costing €1,300. Thank god she is still insured.


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    #11
    leex
    Registered Users Posts: 1,226 ✭✭✭leex


    Allianz here also. Never needed to use them thankfully. Have only heard positive stories about them.


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    #12
    D3V!L
    Registered Users Posts: 2,946 ✭✭✭D3V!L


    They insulted me immensely when I called for a quote. Equated my dog to a car that could be replaced if he died and they'd cover the cost. The guy on the phone seen this as a selling point.


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    #13
    Richard tea
    Registered Users Posts: 3,597 ✭✭✭Richard tea


    Bannergal wrote: »
    Thanks all

    I guess I thought insurance would be under €200 but it’s nearly €300 with Allianz

    Another option is to have a pot saved yourself. It might be harsh to most but I would pay in and around €1000 for any issue that may arise. Anymore than that and I would opt to have him put to sleep. Everyone has different financial constraints. The amount some have payed here over the years makes my eyes water.


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    #14
    Knine
    Registered Users Posts: 3,761 ✭✭✭Knine


    Richard tea wrote: »
    Another option is to have a pot saved yourself. It might be harsh to most but I would pay in and around €1000 for any issue that may arise. Anymore than that and I would opt to have him put to sleep. Everyone has different financial constraints. The amount some have payed here over the years makes my eyes water.

    Remind me never to let you have one of my dogs


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    #15
    cocker5
    Registered Users Posts: 3,274 ✭✭✭cocker5


    Richard tea wrote: »
    Bannergal wrote: »
    Thanks all

    I guess I thought insurance would be under €200 but it’s nearly €300 with Allianz

    Another option is to have a pot saved yourself. It might be harsh to most but I would pay in and around €1000 for any issue that may arise. Anymore than that and I would opt to have him put to sleep. Everyone has different financial constraints. The amount some have payed here over the years makes my eyes water.

    Sweet Jesus .. your talking about a living breathing creature here .. your responsibility to keep safe and well .. not a car

    OP I’m with Allianz ... nearly 14 years now .. policy is €550 ish per year for the last 3 years .. since he was diagnosed with heart murmur, arthritis and hip dysplasia.,

    Claim around €3k each per year for weekly hydro, yumove 360 advance supplements .. 2 types of supplements for his heart murmur (taurine and l-carintine)..plus regular bloods.. X-rays when needed.. plus a few other scares that have arisen over the last few years ..

    Trust me .. when you need it you’ll be glad you have it!!


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    #16
    boomerang
    Registered Users Posts: 3,189 ✭✭✭boomerang


    I considered cancelling Josie's insurance when it came up for renewal as she's reached the age that the 35% rule applies. So glad I didn't! Already spent over €1,200 since then and looking at possibly another 2k for seizure work up including MRI at UCD! :o


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    #17
    tk123
    Registered Users Posts: 14,038 ✭✭✭✭tk123


    One of the times my friend's dog had to get a blockage removed (yes it's happened a few times!!) it was over 1k! o_O


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    #18
    SuperBowserWorld
    Registered Users Posts: 6,980 ✭✭✭SuperBowserWorld


    So, Allianz can't tell us if our premium won't won't go up next year if we claim for some vet visits now, even of we give them the full details. They are routine treatments.

    Also, previous cover is not recognised by other providers.

    It's a bit of a scam to be honest.



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    #19
    tk123
    Registered Users Posts: 14,038 ✭✭✭✭tk123


    I got 2k back from Allianz in June and renewal reminder came yesterday - same price as last year 🙌🏻.


    OOps this thread is ancient



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    #20
    SuperBowserWorld
    Registered Users Posts: 6,980 ✭✭✭SuperBowserWorld


    https://www.boards.ie/discussion/comment/120994839#Comment_120994839

    Ok, good to know.

    I think the thread is still relevant.



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    #21
    the beer revolu
    Registered Users Posts: 16,972 ✭✭✭✭the beer revolu


    Imagine if human health insurance premiums increased with age!

    Oh, you've turned 60, that'll be a 30% increase, please!

    80? Well,........



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    #22
    Nody
    Moderators, Category Moderators, Arts Moderators, Business & Finance Moderators, Entertainment Moderators, Society & Culture Moderators Posts: 18,304 CMod ✭✭✭✭Nody


    https://www.boards.ie/discussion/comment/120999312#Comment_120999312

    Have you ever tried buying a travel insurance? That's exactly how things work. This is the same coverage with the only difference being one has a birthday on 21st Aug. 1983 vs. 21st Aug. 1943...


    bild.png




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    #23
    the beer revolu
    Registered Users Posts: 16,972 ✭✭✭✭the beer revolu


    https://www.boards.ie/discussion/comment/121003349#Comment_121003349

    Except we're talking about health insurance.

    Travel insurance is a one off. You aren't paying for continuous cover.



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    #24
    Nody
    Moderators, Category Moderators, Arts Moderators, Business & Finance Moderators, Entertainment Moderators, Society & Culture Moderators Posts: 18,304 CMod ✭✭✭✭Nody


    https://www.boards.ie/discussion/comment/121003725#Comment_121003725

    Welcome to USA etc. where you actually do...



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    #25
    the beer revolu
    Registered Users Posts: 16,972 ✭✭✭✭the beer revolu


    https://www.boards.ie/discussion/comment/121003757#Comment_121003757

    I'm just saying that, rightly so, there would be outrage if similar age loadings were applied to long term existing human health insurance policies.



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    #26
    Tony H
    Registered Users Posts: 1,504 ✭✭✭Tony H


    With Allianze as well , had a claim for surgery to remove a sock last year ,no inrease , will have another one this week ,she cut her paw on glass on a beach , €668 for sedation and 2 stitches out of normal hours , I would go hungry to pay for dog insurance, it really is a no brainer .



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    #27
    Nody
    Moderators, Category Moderators, Arts Moderators, Business & Finance Moderators, Entertainment Moderators, Society & Culture Moderators Posts: 18,304 CMod ✭✭✭✭Nody


    https://www.boards.ie/discussion/comment/121509430#Comment_121509430

    Yes but they will exclude anything and everything possibly related to the diagnosis in other symptoms and issues (and any other known issues). Hence if they are in an car accident you'd most likely have no issues but if they develop any other skin issues it's likely to be excluded.



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