Puppy Insurance. Another expense. Or is it?

Puppy Insurance. Another expense. Or is it?

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Ah puppies – happy, delightful, little balls of fluff. Cuddly and cute. Soft, loyal, playful, excitable, active bundles of absolute joy and love. Until they aren’t! They chew anything and everything, and sometimes they swallow what they have gotten a hold of. Be it your clothing, shoes, the plastics from toys or stones from the garden. They bite and children drop them, they leap off lounge furniture and have no concept of height. They are clumsy enough to trip over their own paws. They munch on power cords, eat stationery – they are inquisitive, curious and utterly adorable. Unbreakable? They are not. I think this is why puppies are so darn adorable. They get into so much mischief, we see destruction, and tend toward anger, then we see their faces and we melt. Pups can suffer illness and accident, even with every precaution taken, no matter how careful you are, and we know you will be. No pup is immune. They could suffer from a broken bone, have allergies, or you may uncover genetic problems. They may get something in their eye, get bitten by a tick, get heart worm from a mozzie. They can also develop cancers, auto immune diseases ….. I am not here to frighten, as we always hope nothing ever happen to your beloved furry family member. Though what if it did? What now?

What about sub-limits and what are they?

Another riddle with insurance is those sub limits. You know if you are in a car accident, and you take it in for repair and they say sorry, you are not covered for metallic paint, there is a sub limit of $500. Any repair cost over $500 you have to reach into your pocket. You know. Sub Limits.

Knose Pet Insurance have NO SUB LIMITS. None. If you need to take your puppy to the vet, you know what you are covered for. You choose annual limit, benefit percentage and annual excess. There are no hidden sub-limits. You choose your cover.

Knose Pet Insurance

ANNUAL LIMIT

$25,000

BENEFIT PERCENTAGE

90%

CHOSEN NO ANNUAL EXCESS

$0

SUB-LIMIT (TICK PARALYSIS)

Nil

VET BILL

$5,600

On an approved claim you would be paid $5,040.

Other Pet Insurance

ANNUAL LIMIT

$25,000

BENEFIT PERCENTAGE

90%

CHOSEN NO ANNUAL EXCESS

$0

SUB-LIMIT (TICK PARALYSIS)

$2,000

VET BILL

$5,600

On an approved claim you would be paid $2,000.

So do you really need puppy insurance?

Pet insurance, that nagging expense that you think you can do without. You will put away several dollars each week and if the unexpected happens, you think you are going to be fine. Until something else comes up and you borrow the saved funds. We’re human. It is what we do. You pay for car insurance, home insurance, maybe health insurance and sometimes life insurance. You pay for some or all those insurances so that you can replace, mend, or get the help you need if the unexpected happens. Just as we do with pet insurance. We don’t want to think of them being hurt or becoming ill, but what if they do? Just like any insurance, puppy insurance is there for when the unexpected happens. No one wants to think their puppy is going to be hurt or become ill. Though what if they do?

Economies are tough right now, basic living costs are rising, and veterinary costs are not covered by Medicare. Do you have enough in your savings to cover perhaps thousands of dollars in veterinary fees? Would you need to go into debt? Could you? Knose recently paid out ongoing medical expenses for one pup over a year for almost $24k – if this was your precious little one and we hope it never is, though if it was, could you afford it? We are not here to scare you, but to have you put yourself in a similar situation and say what if. Insurance is there for those times when the unexpected happens and let’s be honest, you love that pup more than the car. Are we right?

Let’s talk about excess.

Let’s talk about excess.

If you choose to add an annual excess with Knose Pet Insurance to lower your policy premium amounts then you will need to pay that excess amount first, before receiving a claim payment that is greater than the excess amount chosen by you. However, it is an annual excess amount, so you need to pay this excess amount once per year. Yes, that’s right. Once per year only. A game changer right?

Got Questions?