⚡️⚡️⚡️
With energy prices rising, switch to a cheaper plan
💡
Compare Prices Now
⚡️⚡️⚡️

Dog Insurance

If your fur baby gets sick or injured, dog insurance can help you foot the bill. Compare 13+ policies in Australia.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
⭐Finder Exclusive: Enjoy 18% off your first year. Sign up using promo code FINDER18 by 30 June 2022. T&Cs apply.
Budget Direct Pet Insurance
$1,500
$12,000
80%
80%
Apply online and get 15% off your first year’s premium. T&Cs apply.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
PD Deluxe Plan
$15,000
$15,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Vets Choice Elite Cover
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Woolworths Comprehensive Cover
$2,000
$24,000
80%
80%
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Pay the gap and claim on the spot with GapOnly. Pricebeat is available for similar policies. T&C's apply.
Kogan Pet Luxury Cover
$2,000
$15,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
80%
Extra benefits such as overseas cover for your pet, plus an optional routine care add-on.
Guardian Platinum Accident & Illness Cover
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Real Premium Accident & Illness Cover
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
Coles Premium Cover
$2,500
$15,000
80% or 100%
80% or 100%
Sign up before 30 June 2022 to get 10% off your first year. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Petsy Custom Cover
$10,000 or $25,000
$0
80% or 90%
80% or 90%
Enjoy 5% off your first year of pet insurance.
PetsOnMe Deluxe Plan
$15,000
$15,000
100%
100%
Get 2 months free if your pet is between 6-52 weeks old, or 1 month free if your pet is over 1 year old. T&Cs apply.
loading

Compare up to 4 providers

What is dog insurance?

Dog and cat side by side
Dog insurance works like this: You pay a monthly premium – usually around $20 to $60 per month – and in exchange, your insurer pays a percentage of your dog's vet bills when they get sick or injured.
Hand holding money icon
Most of the dog insurance providers on Finder pay between 80% and 100% of the vet bill. You can claim up to $25,000 a year with some policies, though most have a cap (annual limit) of around $15,000.
Clock
When you first take out dog insurance, you'll typically need to wait around 30 days before you're covered for illnesses, though accidents are covered straight away.

What does dog insurance cover?

Dog insurance can cover your furry friend for the following:

Ambulance vehicle with pet paw on the front

Accidents

Most cheap dog insurance policies can cover accidental injuries such as a fracture, snake bite or bite wound. For example, if your dog is hit by a car and fractures its leg, a typical accident insurance policy can pay for 80% of the vet bill.

Vet building with pet paw on the front

Illnesses

If your dog gets sick, pet insurance can typically cover 80% of the vet bill. It can help pay for cancer treatment, skin conditions, eye and ear conditions and more. You'll find illnesses covered in more comprehensive policies.

Pet toothbrush and scissors

Routine care

Routine care encompasses preventative treatments such as dental care, vaccinations, desexing and microchipping. It's usually available as an optional add-on with comprehensive dog insurance policies.

How much does dog insurance cost?

Dog insurance costs around $840 per year for accident and illness cover. This figure is based on the average costs of the 560 dog breeds available in Australia.
Keep in mind though, that the costs will vary depending on your dog's breed, age and where you live. For instance, it's likely to cost you around $1,131 a year to insure a poodle, whereas a French bulldog is likely to be almost double that at approximately $2,309. You can find out more about average dog insurance costs by breed here.

Pet daycare

What's the best dog insurance?

We've put together a list of our top pet insurance picks to make your decision easier. Here's a short breakdown of some of our choices. You can find out more about them here.

Top Pick for

Top Benefit %

Knose Pet Insurance image


Covers 100% of eligible vet bills

2 months free plus custom pet tag with code PETSYPET

More info

Top Pick for

Top Discount

Petsy Top Cover image


An online discount of 15% off your first years premium

Finder Exclusive Get an $80 eGift Card after your 21-day cooling off period. T&C's apply

Go to site More info

Pet insurance for older dogs

It's much trickier to get pet insurance for older dogs but we've found a few policies that can cover your pet if they are older than 9, including Medibank Essential Pet Care (which has no age limit), PIA Essentials Cover and RSPCA General Accident & Illness Cover.

Exclusions to watch out for

  • Illnesses. Medibank, PIA and RSPCA are the only insurers available on Finder that cover older dogs for both illnesses and accidents. Most will not cover you for illnesses if you try to take out a policy after your dog turns 9.
  • Pre-existing conditions. If you are able to take out illness cover, you won't be covered for any pre-existing conditions your dog has. A pre-existing condition is an ailment your dog had before you took out a policy.

Get dog insurance for your breed

Your questions about dog insurance answered

Picture: GettyImages

More guides on Finder

Get a better deal on pet insurance

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site