Tuesday, 18 March 2014

Today the 'P' in FBP has turned into 'P' for Pet. I have a 11 year old Boarder Collie who has just injured a cruciate ligament in a rear leg which has made it unable to be used or carry any weight. This was confirmed with an Xray taken which showed the ligament was torn completely from the bone. As the Vet explained this is a straight forward yet long operation to repair and the dog would be walking again in no time.

This took me to doing a little research into pet insurance and noticing that all policies I have seen have a 6 month waiting period for accidental injury relating to cruciate ligaments and also if on leg has a pre-existing injury or condition which there can be two of,  it will be considered as a Bilateral Condition. I have included a cut and paste below from definitions out of one policy's PDS.

I have another Boarder Collie who is 1.5 years old and he will be getting pet insurance at about  9 years as he is a highly energetic hound and when the cost of this operation is between $2200-$2500 the insurance will be worth having in his latter years.

 Bilateral Condition means any Condition affecting body parts of which the   Pet has two, one each side of the body (e.g. ears, eyes, knees, cruciate   ligaments). For the purposes of your Cover under the policy when applying   a Benefit Limit or exclusion, a Condition arising in one such body part will   be regarded as a Bilateral Condition and will therefore be considered as a   single Condition. For example: If your Pet has been diagnosed prior to being   insured under the policy [or prior to the end of the Waiting Period (if applicable)],   with a Condition on one side of the body, future occurrences of the same   Condition arising on the other side of the body will not be covered. In other   words, if a dog has been diagnosed with a cruciate tear in his left leg before     the    end    of    the    Waiting    Period,    a    subsequent    cruciate    tear    in    his    right    leg    will      be excluded as a Pre-existing Condition.