So the cover looks good on paper but unless u have Ur own funds available to u in an emergency, the cover is almost pointless because more than 4 weeks for approval is too nerve racking. Too much uncertainty.

Oh and also, after the first 12 months, my premiums increased from 140/ Month to 185.
This is only after 1 claim under $500.
I understand the premiums go up as the dog ages, but I felt tricked with such an increase after just 12 months.

Hope this is helpful.

Hi Lisa. As you say, I am limited in what I can say, but I can see no problem with using Knose.

Hi Angela. Just to be clear, we are in no way affiliated with Knose pet insurance. Your comments are interesting, and I’m assuming (given the breed) that your dog has medial patella luxation. I am surprised that this is not covered as I am used to people having the surgery done under insurance (see current costs here). In the case of MPL, it’s really a developmental disease with strong breed associations so even if they say it’s genetic or hereditary, a letter from your vet might sort them out. My general view about insurance is that you often have to push a bit to get them to see it your way. Is it possible that you are in the 6-month orthopaedic conditions waiting period? (pet owners can have this waived with a letter from their vet by the way). I would love to know more. And by the way, there’s almost no cause for euthanasia for MPL unless it’s at the most severe end of the spectrum (these however are usually symptomatic well before 12 weeks of age).

Thanks Colin. Owners of breeds that can be severely affected (e.g. Rottweiler, Samoyed) would be wise to read the fine print on their plan before signing up. It’s probably worth mentioning that hip replacements are very rarely done in Australian dogs, athough there are plenty who would benefit. It just might be that vets aren’t recommending the procedure early enough.