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06 Dec 2016, Janet W.
Product use: 6 months or more
Provided good coverage for all our needs and claims were easy to submit
Initially we joined Ellenco. We found this a great scheme and had 6 dogs on this scheme. All were at a set premium of around $540 per year - regardless of the age or breed. Southern Cross took over & in 2016 when some of our policies were being renewed premiums increased dramatically. one dog went from $540 to $1067 - reason being age. Informed this was an incremental increase, however a 100% is not 'incremental'. Another 2 year old dog had a $200 increase per year - reason given 'breed'. Its breed had not changed from the previous year, so that was a little confusing.
No, this product has too many drawbacks.
ve a look at all our pet insurance policies. You can compare several to find out what they provide.
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