Guide Dogs Pet Insurance
Guide Dog Pet Insurance 4.6/5
To safeguard your beloved friend, Guide Dog Pet Insurance offers complete pet insurance coverage at reasonable prices. In their capacity as a division of Guide Dogs Australia, they are dedicated to provide top-notch customer service and helping the guide dog community. Guide Dog Pet Insurance offers pet owners financial security and peace of mind with flexible coverage options that can be tailored to your pet's unique needs and your budget. With Guide Dog Pet Insurance, you can safeguard your four-legged friend and contribute to a deserving cause.
Here are the basic Details for the company:
Name - Guide Dogs Pet Insurance
Claim Address - Locked Bag 9021, Castle Hill, NSW 1765
Phone number - 13 63 00
The Guide Dogs Pet Insurance started as insurance providers for registered guide dogs in Australia. Then they offered their affordable insurance services to pets like cats and dogs. Once you purchase an insurance plan with Guide Dogs, part of the proceeds will be benefitting the Guide Dogs of Australia.
There are three levels of coverage for the Guide Dogs insurance plan. The basic plan is Basic care, which includes the cover for accidents and illnesses and a claim benefit of up to $15,000 per policy year. Reimbursements can also go up to 75% worth of vet expenses. It also includes consultations and vet visits capped at $300, hospitalizations, surgeries, medicines and drugs, and Lifetime coverage. What we love about this plan is there is no age limit; therefore, you can enrol your pets that are even older than nine years old.
Basic care also has a cruciate ligament condition benefit, which gives you a maximum of $3,200 per year worth of surgeries and vet visits. It also has an emergency boarding benefit capped at $500 per year. However, the coverage of the emergency boarding benefit does not include transportation and food.
The standard plan for the Guide Dogs pet insurance is Comprehensive care. Like the Basic Care, the Comprehensive Care also has the same annual limit amount but has a higher reimbursement rate of 80%. It also has age eligibility from nine weeks young to nine years old. Other inclusions are accidental injuries and illnesses, hospitalization, surgeries, and vet visits and consultations to any licensed vets in Australia.
Premium Care has broader coverage than the other two insurance policies. Aside from the accidental injuries and illnesses coverage, you can also have an option of routine care benefits. It also has the highest coverage amount than the Comprehensive Care and Basic Care, amounting to $20,000 per year. The reimbursement rate for this plan is also the highest at 85% worth of eligible vet costs. Emergency boarding is even higher than the two policies, amounting to $1,200 per year.
Unlike the two other insurance plans, the age eligibility of the Premium Care is from eight weeks young to nine years old. However, you can still ensure your pet security after the maximum age limit if you continue to renew the plan and fulfil the requirements.
What we like about the policies of Guide Dogs is the excess options of $0, $50, and $100. With this, you can compare and adjust your premiums and coverages to your plans. The policies also have a third-party liability benefit worth $1 million for registered guide dogs. All the programs also have coverage for unvaccinated pets. Lastly, if you enrol more than one pet, you will get a 10% discount. We also love that you can pay the plan fortnightly, monthly, or annually so you can budget and adjust your premiums. The Guide Dogs pet insurance has other exclusions like dental care and elective procedures, so you must read and understand the terms carefully and compare the policies with other companies to effectively know what is best for your pet.
Why we like
Guide Dogs Pet Insurance
Highly Rated: Would you like to know what to anticipate from your pet insurance company? A excellent place to start is by reading reputable online reviews. Guide Dogs pet insurance is now rated 4.1 out of 5 stars on the online review platform
https://www.furbabyinsurance.com.au/, suggesting that it has many satisfied clients prepared to sing its praises. Strengths include the company's prompt and friendly customer service, excellent communication, quick processing of claims, and straightforward set-up procedure.
Support Guide Dogs: Without a doubt, one of the main benefits of choosing Guide Dogs pet insurance is that you are helping Guide Dogs Australia in its mission to give Australians with sight loss or low vision essential services, training, and life-changing Guide Dogs.
Discount for multiple pets: It's undeniable that pet insurance is pricey, particularly if you have several animals to care for. In light of this, it's encouraging to learn that Guide Dogs Pet Insurance gives a 10% multi-pet discount, which helps to reduce the cost of providing insurance for a family with many pets.
Choice of Excess: We appreciate the ability to customise coverage by selecting an excess amount in pet insurance plans. You can select an excess of $0 or $50 on the Premium and Comprehensive plans with Guide Dogs pet insurance, or an excess of $0 or $100 on the Basic Care plan. Why is it important? By selecting your excess, you can tailor your coverage to fit your budget by deciding whether you want to pay less up front for a greater excess or less when filing a claim.
Excellent Protection for Senior Pets: Many pet insurance policies only cover animals between the ages of 8 weeks and 8 years. When insurance is offered to animals older than nine, it normally only covers unintentional harm. On the other hand, the Basic Care plan from Guide Dogs pet insurance covers accidents and illnesses for animals up to the age of nine. When applying, make sure you have read the PDS to understand what is and isn't covered.
Covers Chronic Conditions: You can continue to take advantage of coverage for chronic, recurrent, or lifelong conditions like cancer or arthritis as long as you renew your policy with Guide Dogs pet insurance every year and pay your premiums without missing a payment. Keep in mind that, like any other benefits, the ones for certain conditions are subject to the yearly policy limits and don't cover all pre-existing conditions.
Guide Dogs pet insurance does in fact offer coverage for registered Guide Dogs in Australia, despite the fact that many policies do not cover "working" dogs. Hence, by choosing Guide Dogs pet insurance, you not only help the organisation, but you also get the protection you need for your own Guide Dog.
Third-Party Liability: If you choose to apply for cover for your registered Guide Dog, you will also benefit from third party liability cover (up to $1 million) for injuries or property damage brought on by your Guide Dog, in addition to the same levels of coverage offered on Guide Dogs pet insurance's dog and cat cover.
Higher Sub-Limits: If you look at the PDS, you'll see that a number of treatments and procedures have sub-limits attached to them. Despite the fact that this is largely the industry norm, it's important to note that Guide Dogs pet insurance offers a somewhat greater sub-limit on specific procedures than is frequently found on other plans. Although the consultation sub-limit of $300 is standard, Guide Dogs cover offers higher-than-usual sub-limits of $3,200 for cruciate ligament therapy (across all three plans), $2,000 for paralysis tick treatment on its Premium and Comprehensive policies, and $1,500 for Basic Care.
See Any Vet: Guide Dogs pet insurance allows you to visit any Australian certified veterinarian, much like virtually every other pet insurance plan available in Australia.
Access GapOnly: It's good to note that Guide Dogs pet insurance provides the GapOnly tool for filing claims. When you visit the veterinarian, you may practically access real-time claims and just pay the difference.
Pre-Approval and Simple Claims You can still make quick and simple claims with Guide Dogs pet insurance if you don't want to utilise GapOnly or your veterinarian doesn't provide access to the function. You have the choice of filing a claim online or by mail.
Access Extras: Other extras that merit mentioning include emergency boarding, which will pay to board your pet in case you need to go to the hospital or experience family violence. This coverage has a sub-limit that is $500 for Basic Care, $1,000 for Comprehensive Care, and $1,200 for Premium Care. Also, if you need to visit a veterinarian when travelling with your pet to New Zealand or Norfolk Island, you can get access to foreign pet cover.
Last but not least, if you choose Guide Dogs pet insurance, your pet will receive lifetime coverage as long as you adhere to the plan's age requirements at the time of application and keep renewing your policy without interruptions.
What's good about
Guide Dogs Pet Insurance
The $20,000 annual cap and 85% reimbursement rate are higher than nearly all other insurance on Furbaby, which normally only reimburses 80% of your costs.
An addition to your premiums is a contribution to Guide Dogs Australia.
Because you receive $1,000,000 Third Party Liability, which covers your legal expenses in the event of an accident, it's ideal for guiding dogs.
