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Ask Us Anything with Dr Magdoline Awad - All About Pet Insurance - Duration: 17:05.
Hey everyone Dr. Leigh here from Your Vet Online and today we have got Ask Us
Anything with Dr. Magdoline Awad. Now Dr. Mags is a veterinarian with a
very keen interest in all things animal welfare and luckily for us because today
we're going to be talking a bit about pet insurance, she actually is the chief
veterinary officer for the largest pet insurance company in Australia so she
knows everything there is to know about pet insurance, so if you have any
questions that you want to ask pop them in the link down in the comments section
down below and we'll see if we can answer them during this Facebook live
otherwise we'll try and answer them later on our page, just either on the
Facebook page or we'll pop a link through to the our website we will put
this whole post over there. Alright then well welcome Dr. Mags! Thanks Leigh
Well let's get right to it, now pet insurance is a really emotive subject
for a lot of people because they consider it quite expensive and they
worry is it really worth it can you tell us a little bit about it and what
exactly is pet insurance? Well pet insurance, like any other insurance is insurance
and so I guess the most important thing to understand is that when people buy
insurance it's to actually mitigate against unknown risk and of course we
know that when we buy a pet we've got to make sure it's vaccinated that it's worm that
it's fed properly you know that we do the right things by it, you microchip it, you
go to the vet and get it checked out so we'd have an understanding of what is
required yeah for our pets but what we don't know is what disease is it going
to get and what accidents or illnesses might come about for that animal during
it's lifetime so yeah those are the unknown risks and that's why we buy pet
insurance we buy it for our car we don't know if we're going to have an accident we buy it
for our home we don't know if it's going to burn down all those sorts of things
but for our pets I guess it's one of those things that we know it exists but
actually pet insurance is really really important because it's one way of making
sure that your pet is happy and healthy and it's something that you can do quite
easily and make a big difference in the welfare of your pet. I guess the big
thing for many people is that they get their pets and they're really young and
they don't can't foresee what might happen in the future and I mean I've had
clients who bought only, you know bought a new puppy and it's not even you know six
weeks and it's been run over or it's had really bad gastro
intestinal problems and things like that so yeah as you say you don't know what's
necessarily going to happen and whether it's going to happen when they young or
whether it's gonna wait until they're old so I guess that brings us to the
next question When is the best time to get pet insurance yeah and that's a
really good question Leigh because one of the things that we always say to people
about pet insurance is get it when they're young literally when you adopt
an animal when you purchase it from a breeder or a pet shop or whatever other
means a shelter purchase that animal get that animal home go online purchase
pet insurance. Okay. And the reason that's so important is because we know that
puppies and kittens are prone to getting a lot of things that are unforeseen you
know dogs are most likely to get into garbage they're likely to eat things you
know including their own poo yeah and we know that they're likely to be
boisterous and and and and sort of inquisitive so those sorts of things are
more likely to happen to puppies so the other thing that's really important is
that people don't know what underlying diseases an animal has what you call you
know hereditary and congenital conditions and pet insurance our pet
insurance company does pay for those conditions I guess the important thing
is to get insurance early because what we don't pay for and what no insurance
company pays for, pet insurance company pays
for these pre-existing conditions so if you were... because everyone's really into buying
well buying or the rescue dogs you know they they are getting these dogs from
something that someone like the RSPCA or another shelter and they might be a
little bit older can you get pet insurance for those dogs and cats
absolutely Leigh, our insurance products are there for cats and dogs of any age
any age! when they sign up for pet insurance all our products are able to
sign up animals under the age of nine mm-hm when they first get pet insurance
and if they continue with their pet insurance will cover them for life we do
have some new policies so if you happen to go to a rescue or a shelter and adopt a
senior animal that's over nine years old we do have some new policies that
actually cover them even if it's their first time purchasing pet insurance That's
really good because a lot of people really like to give those older pets a
chance at life yes so now they can be insured yes those senior pets they're
great companions yeah but at the same time they are prone to getting diseases
and ailments at all just like any other pet okay all right so can you give us a
little bit of a rundown on all the different sort of types of insurance so
I mean I guess I'm familiar with things like there's accident only we might have
accident and illness but there's a few words sometimes you see in these
brochures and you're just like what does it mean it's it's not that hard actually
to talk about the types of products that we have because there's a couple of
things that are a few things that you should know about pet insurance before
you purchase it is that number one make sure that the pet insurance that you
that you get you know covers chronic diseases because a lot of animals suffer
from chronic diseases and covers them for life and all our products do that
and also covers for congenital hereditary conditions and all our products
cover for that I see and I guess I see we have a comment here from Sarah and she
is talking about hip dysplasia there so that hip dysplasia is that something
that's like a congenital known as congenital condition? Yes so I guess when it
comes to conditions that are what we call hereditary conditions a lot of
these conditions don't show up no until the animals a little bit older
and that's why it's so important to get pet insurance as soon as you can we cover
pets cats and keep kittens and puppies from the age of eight weeks on Wow
so you know a lot of these conditions say for example you know elbow dysplasia
or things I mean they're actually you know as you know as a vet yeah you don't
see them that young you know they might come about when the animal's
four or five months old yeah you know yeah nice yeah that's
right and so that's it that's why it's really important to purchase pet insurance
when they're young, going back to the information about the products yes so make
sure they are covered for chronic disease and their life long covers which is what our..
Are all of them like long or because I know sometimes when you read some of these
things some companies are not life long Okay so just to just to be very very
clear our accident illness policy which covers animals for accidents and
illnesses those particular policies are all life long
okay so what that means is: say your dog was covered it was a dog, the dog had
diabetes and it was eligible for cover for diabetes then every year that you
continue your cover it would be covered for diabetes okay and so all our
accident illness products and like that. Accident Only is a cheap product and it
covers for very specific conditions there are about nine or ten conditions
that it covers for things like snake bites and burns and things like that and
that that covers obviously covers a cheaper cover it doesn't cover your illnesses but at
the same time some people just want to be covered for certain conditions but
the main cover that we have is accident illness and most of our clients
purchase that and again they're all life long cover. Yeah okay so that's a
life long cover is really that that is so good because if you, I mean I guess
this brings us to another point if you suddenly decide that you're going
to stop cover for a year because maybe you've had some financial stress or you
think it's not worth it that cover goes back you don't have that cover again if
you continue do you so pretty much or you can't swap you can't swap policies
or companies yeah and you must continually keep that cover
mustn't you? Yes so I guess it the thing is that once a condition is been ahh, has come
about if you stop your cover and then you say get it later on then that
condition then is is deemed to be pre-existing and that's how pet
insurance works I guess pet insurance acts and seems like health insurance
then but by law it's actually classified under general insurance like car and
home so as you know you can't insure your car after you have had an accident and
expect it to be fixed and that's the same with pet insurance so if there is a
pre-existing condition then that condition won't be covered but it
doesn't mean that any other condition won't be covered afterwards so I guess
that's where most people think 'oh well, you know it's it's um it's got diabetes
hence I won't get pet insurance', but what if your dog then got a cruciate rupture or
you know had cancer I mean those things will still be covered so I guess at the
end of the day you know most people in Australia are pretty good at continuing
their cover for their home and their car I guess we kind of forget our pets,
because we have this great Medicare system in Australia yes that really
removes any kind of understanding about the true costs of medical care and
veterinary care isn't cheap, I mean vets have access to CTs, MRIs they're highly
trained professionals it costs a lot to keep a veterinary practice open and people
don't understand what it costs for their own medical treatment so absolutely
they're there they're completely aghast when they hear veterinary fees are a certain
amount money but you know that's why the pet insurance is so invaluable exactly and
so can you explain to us maybe how a premium is actually formulated and why
you have to pay the amount that you have to pay okay so um pet insurance like any
other insurance is a you know you can pay by the month or pay by the year and
the way premiums are calculated in pet insurance is based on breed and age and
where you live. Okay so I guess the most important thing is to understand that
you know certain breeds as you know Leigh are going to develop certain conditions
and therefore their premiums might be higher
then another breed that is you know for example you know a crossbred dog you
know cross breeds generally don't suffer from some of the conditions that we know
purebreds suffer from and you know we've got years of data to help us with
our pricing I guess the important thing to know is that we don't actually you
know have breeds subsidise other breeds so for example, Oh that's so good to know, if you've got a high risk breed that we
know is going to be expensive we don't actually make other breeds pay
more for their cover so it's very very fair for the clients yeah no that's
excellent and I know Mags, Dr. Mags you had a
situation yourself where you actually needed to have a lot of veterinary care
for your dog yeah and insurance came in really handy
for that didn't it. Yes and when I talk about insurance and and and talk about
unforeseen risk, mine was very unforeseen in fact I had a because I work for
PetSure we're very lucky in that um you know part of working here means that
we get to experience pet insurance and so I have three dogs yeah and my nine year
old dog actually this year she almost collapsed at home and um we rushed it off to the
emergency hospital and he in fact had a grass seed in his lung and that grass
seed had migrated and caused a massive infection in his chest he had had major
surgery with a specialist yeah and it had the CT scan, I was going to say did he have a CT scan He had
a CT scan, he had a surgery with this wonderful specialist and it would have
been on a ventilator probably um no he actually very lucky in
that um he recovered quite well he was in hospital for a week in
intensive care, which all adds up, and you know what
Leigh? within two months I thought everything was going great but
then he ruptured a disc in his neck and again there we go risk I never know what
happened. As a veterinarian with over 20 years experience even I was shocked that
this would happen yeah my dog would have to major procedures all needing
specialist veterinary care within two months so when you look at something like that
how does it work with your with your policy though because you might have the
one condition it might cost say six thousand dollars and then are their limits
so did you did you run into troubles with limits with this one
Well Leigh, as you know there are limits to any policy and just with any policy
there are going to be general exclusions you cannot cover everything yeah all the
conditions my dog had were absolutely covered by insurance the only the only
limitation was my yearly annual limit and yes that was maxed out but it took a
major chunk out of what I had and so you know everybody would do everything for
their pets yeah you know especially a pet that's been with with us since you
know since I got married and had my kids so my kids were absolutely love this dog
so Rex is doing really well now, Oh that's awesome
and thanks to pet insurance and I guess at the end of the day even vets you know
find themselves in these situations I mean I'm a vet but I certainly am NOT a
specialist and I my dog needed specialist care yeah you can't afford to
actually well when I say can't afford your your own skills can't necessarily
be utilized for treating those problems because you've needed a specialist Both
conditions needed a CT scan yeah and both conditions needed specialists
to do the surgery so I'm very grateful I had pet insurance and when I tell my
story I tell it from you know somebody who worked in practice for 20 years and
saw a lot of people that couldn't even afford to have their pets vaccinated and
I guess one of the things that we know about pets
is that they bring us so much joy and yeah good for us yeah they certainly are
and the people that benefit the most from pet insurance are probably those people
also that really do need so the people benefit most from pet ownership are the
people that do need pet insurance. Exactly. Yeah so we have designed some
new products that are actually a lot cheaper yeah and you know there limits a
little bit different but at the same time it helps to take the brunt out of
some of the um yes you know some of the angst
you know so I guess the key things for people to do when they're looking at
trying to find a policy that fits them is to consider the breed of dog that
they're going to purchase consider it how old the dog is look where they are
like I mean that's a constant like you're not gonna be moving around much
and then I what other things I mean I guess we talk quickly about accident verse
accident and illness and I mean I guess the thing is accident illness we all
know that there's more illness than accident so yeah I have to say it's
probably 70% more illness than accident yeah and really Leigh you're right and that's
reflected in the fact that most of our policies that we sell are accident and
illness we we can't per foresee what's going to happen to our animals and most people
just want peace of mind and that's what pet insurance is, it's actually just
piece of mind it's you know you hope you never have to use it I hoped I'd
never have to use my pet insurance and it's there when you need it and so it
just takes a lot of the angst away and then you can concentrate on looking
after your pet right rather than worrying about veterinary fees. Exactly all right then guys
well if you have any questions that you want to ask us we we pop them in the
comment section below because we can do that later and I'll pop this up on the
website as well so check out yourvetonline.com and I hope that has
been beneficial for some of you. Alright catch you guys later and thank you so much
Mags! That's alright Leigh, anytime. Alright see you guys
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