teekay

Ok, now I'm really confused. Bow wow is underwritten by Hollard as are all the others, except Pet plan, so does that mean they all cover for life now? I see their product disclosure statement is identical to the others too. I thought it was generally widely known that Petplan were the only ones that did this lifetime cover and that was why they were so much more expensive. Just did a quick quote for Luka on Bow wow and got $31 per month for a $100 excess and $12000 of cover.($58 with Petplan ) Not sure what to do now. I can't transfer Jenna because we have claimed for a cancerous growth in her eye but wondering whether to change the other 2 over. Petplan have been really good with claims though so I'm always worried about changing, and Petplan do pay out 100% less the excess but still. Hmmmmmmmmm will have to think

That's really interesting Kdf. Thanks for that. Off to check out Bow wow now.

It's hard to think of specific moments with my current bunch but reading these stories reminded me of a moment with my old Labrador, Holly, who is sadly no longer with us. We were at a pretty crowded part of the beach there were a number of dogs and owners. We were up on the sand bank and Holly was in the water. She came out the water and was looking for us. She was scanning the people and the moment she saw us it was like a light bulb switched on and she came bounding over. Just made me think about how our dogs 'recognise' us. A simple moment, but it makes me feel special to know that we are their 'people' :D

Oh my goodness, so much cute. Just adorable. :)

Beautiful shot of Zephr Gapvic. So sorry his time with you is drawing to an end .

Oh my goodness Grumpette, what gorgeous faces Thank you for putting a smile on my face this morning :)

Just checked my policy and the excess is still $125 That's strange ETA just had a quick check on the quick quote and it say $150 excess (unless you have a 'select breed' and only have the 12 month 'essential' cover), not sure why mine is still $125. This is recently renewed policy after the big price hike. I'll just keep my head down :) I'd double check with them luluove. Edited again to add sreenshot :)

Not exactly by his side Steve

As far as I know all except Petplan will only cover chronic conditions for the length of the current policy period. From the next renewal it will be considered a 'pre existing condition' regardless of how much money was actually 'used up' out of your claim limit. I've just trawled through a few PDSs from RSPCA, PIA, and Medibank. They are all the same as they are all underwriten by Hollard as are all other providers except Petplan, as far as I know. Their wording is designed to confuse so I can see how people would not realise this was the case. I think someone needs to take them to task over this as it is very very misleading. The only areas I can see where they cover this is here: Also in the defnintions of 'pre existing condition: Where the 'Commencement date' is: I think it rather ambiguous. The fact they say "cover for your pet first started" leads you to believe they mean when you first took out cover but because it says "as shown on your Certificate of Insurance", that implies the current policy year. Also don't forget the related condition clause: So if your pet has one instance of arthritis, that's it. No more cover. I guess this next one pretty clearly states that long term medication will not be covered: On another note, I was surprised by this, no cover for parvo etc even if they are vaccinated To be honest I wouldn't touch anyone other than Petplan with a bargepole. Yes Petplan are expensive. Yes they have messed up big time recently. Yes they have us over a barrell. Yes they can be a bit slow to pay out but all the others just don't offer good enough cover IMO.

Thanks Grumpette, he is pretty symetrical, except for when his ears go haywire, one up one down style :laugh:

Not looking like I will be able to get out and take any more photos this week, so cheating slightly and using one I took last weekend 29/52 My gorgeous man IMG_0156.jpg by teejkay1, on Flickr

There's one recently opened not too far from me. I've been wondering whether it's worth joining. I think I just got my answer

You have a beautiful family Huga :)

Just been back and read through this thread. I had somehow lost track of it. Digby really did have a special owner, how fantastic that you made his last weeks so special. Raineth

So sorry Raineth, Digby was such a gorgeous boy. Run free at the bridge Digby.

Hahahaha love it Leah :laugh:

Thanks CC and Grumpette :)

That's awesome Gapvic, you must be over the moon. Tonight's sunset 28/52 IMG_0134.jpg by teejkay1, on Flickr

Might not help Aliwake but when I was chasing up a claim awhile,ago. I completely got the brush off speaking to someone on the phone. I emailed and complained and got a very quick response and cheque a few days later. Admittedly this was before all the kerfuffle of the restructuring though. I don't even bother ringing anymore. The people you talk to seem to have no idea what they are talking about.

Thanks Alpha Bet. Great post

Wow, love the red cloak shot. Gorgeous. I never would have guessed she had red hair either :D

The problem is, the general non dog savvy public are only ever exposed to the 'bad' breeders. The press love to report on the breeders being investigated by the RSPCA. That pedigree dogs exposed show is also very much responsible for an awful lot of this negativity towards breeders. Some how we need some national tv exposure of the ethical registered breeders informing everyone what the process involves, the costs, the tests, the bloody hard work that comes with raising a litter, why buying from them is the best chance you can get, no guarantee obviously, but the best odds of getting a healthy dog. We can come on here and talk about how stupid people are for buying a x breed, byb etc., but all that will do is turn people away. this thread is not in off topic. We need to educate. We need to be approachable. We need to be non judgemental. We have an awful lot of negative press to fight against. I also think it relevant to refer the the other thread on here, about the possible new bsl regulation for the brachy breeds. Resorting to regulation to stop registered breeders breeding unhealthy dogs. A move I support but not a good look for the registerd breeder world,. More fodder for the anti breeder brigade.

Lovely Perse. I've become a real sky watcher since I took up photography. So many wonderful cloud patterns :D

As long as you are prepared to wait for the right dog for you I do not think there is anything wrong with wanting a dog of a particular colour. If I was to have another Aussie I would like a blue mere. If there wasn't a suitable blue merle in a litter I would wait.

Yep. Not stupid. Just arses. Nice. So I am either stupid or I'm an arse! I bought a Samoyed x GR from the internet 5 years ago. I fell for the spiel. The GR will make the Samoyed coat more manageable. Made sense to me at the time. I do not think I was 'stupid', just ill informed. I did not know the horrors of puppy farms at the time. Thanks to this and other dog forums I have now been educated, thankfully without too much judgement from most people. Making one mistake does not make one stupid or an arse. Making the same mistake again, once educated, that is stupidity. With regard to the convenient factor, yes that does come into it but do not underestimate how intimidating it can be for an average person to approach some registered breeders. Many people think registered breeders are for those who want to show and they 'just want a pet'. We need to somehow try and get the word out there that the registered breeders are not scary, and will welcome a good pet home for their litters.