Insurance Everyday Reviews 

All claims so far have been worth it for our various pets when they are puppies through to about four years old. After that or after multiple claims the monthly cost goes up. Always prompt payment. In the past two months our staffy has had two operations and about 80% of cost back paid promptly. If your dog is active then it is worth it. Note once our dogs reach four years of age (all staffy or staffy x) the cost becomes to costly and we revise depending on the dog. Note one of the first dogs to be insured there were no claims for seven years. The year we stopped the dog got cancer. Definitely worth insurance for us with our active dogs (staffy or staffy pitbull cross). We have one dog with hip issues and he is about five now we have kept his insurance. Went from about $80 per month to now about $140 per month. These are all our family dogs. Our own dog in the last two months has deep yeast infection operation. cost $800 about and got back about $650-00 so worth it. Second operation was ligament damage to front leg. Paid rebate promptly. Worth it for us (my dogs and my adult children dogs)

Initially, great, cheap, and very good at submitting and executing claims. However, they will scrutinise large or ongoing health issues to look for loopholes or minor, nondescript previous visits, and use this as an excuse to claim pre-existing conditions before the initial cooling-off period. (We had a skin allergy issue with our dog.) Next, I had to fight them on 3 separate occasions, all the way, using their own policy, as they tried not to pay out claims and instead returned a payment without admitting fault. The last BIGGEST issue is that, because pet insurance is not regulated, they will increase repayments at every renewal, citing rising vet costs as justification, but this is false, as that is not the case at veterinary clinics. This is done to get you to cancel as your dog ages and more health issues potentially appear. At the end of my dog's life, I was paying $315 per month for an 80% return on claims with a $100 excess. I was trapped by the time I wanted to switch; it wasn't possible. He passed at 12 years and 8 months and was insured with them his whole life.