Pet Plan Insurance - A Question

[Jordan Windebank]

Hi all,

Last weekend we bought home our new little fluffball Bernese puppy and I am now looking to arrange insurance for him. From everything I have read on here, and from speaking to people, I am looking to sign up with Pet Plan but have some confusion over one of their options.

They have an option called "Pet % Share" that changes the amount of excess you pay and affects the premiums, but I am not entirely sure what this changes other than the monthly cost. The wording is:

"You can choose a higher excess to reduce your premium or a low cost option where you pay the fixed excess and the first 25% of the claim (select option from Dropdown Box)." and the options are:

• Yes
• No - $100 excess
• No - $250 excess
• No - $500 excess

If I choose the "Yes" option, what does this mean I pay in terms of excess and what is covered? I can't find it detailed anywhere on their site. If I choose that option the monthly premiums are the lowest so I assume that either I am not covered as well, or the excess are higher? Also, am I reading that they will only cover 75% of the bills after they take their excess? So a $1,000 bill I could have to pay a $250 excess and I have to cover the first $250?

Appreciate any light anyone can shed on this. Sorry if it has been asked before but I am having trouble making sense of the policies and figure I'd have better luck here than with their call center. :D

[Dame Aussie]

Hi all,

Last weekend we bought home our new little fluffball Bernese puppy and I am now looking to arrange insurance for him. From everything I have read on here, and from speaking to people, I am looking to sign up with Pet Plan but have some confusion over one of their options.

They have an option called "Pet % Share" that changes the amount of excess you pay and affects the premiums, but I am not entirely sure what this changes other than the monthly cost. The wording is:

"You can choose a higher excess to reduce your premium or a low cost option where you pay the fixed excess and the first 25% of the claim (select option from Dropdown Box)." and the options are:

• Yes
• No - $100 excess
• No - $250 excess
• No - $500 excess

If I choose the "Yes" option, what does this mean I pay in terms of excess and what is covered? I can't find it detailed anywhere on their site. If I choose that option the monthly premiums are the lowest so I assume that either I am not covered as well, or the excess are higher? Also, am I reading that they will only cover 75% of the bills after they take their excess? So a $1,000 bill I could have to pay a $250 excess and I have to cover the first $250?Appreciate any light anyone can shed on this. Sorry if it has been asked before but I am having trouble making sense of the policies and figure I'd have better luck here than with their call center. :D

This is how I read it yes, if you choose yes you are taking that option to pay the fixed excess (whatever that is) and a quarter of the costs.

The premium is lower because you are paying that extra 25%.

[megan_]

I read it as:

* yes - I agree to pay the first 25% of any bill ($1000 bill, you get 750 back)

* no $100 excess - I agree to pay the first $100 only ($100 bill, you get 900 back)

etc.

There is no excess + pay the first 25% option.

[megan_]

Also, please check if your breed has any exclusions. From memory there are a fair few exclusions for some of the giant breeds - worth checking out.

[Podengo]

I read it as:

* yes - I agree to pay the first 25% of any bill ($1000 bill, you get 750 back)

* no $100 excess - I agree to pay the first $100 only ($100 bill, you get 900 back)

etc.

There is no excess + pay the first 25% option.

:laugh:

Sign me up for this one please!!!