This pet insurance switch saved me $351 – here’s how you can do it too
I compared top-rated pet insurance policies and realised I'd been overpaying for the last 12 months.
Since bringing home my 1 year old puppy, Maple, I was paying $51 a month for her pet insurance.
The policy has a $12,000 annual limit and an 80% reimbursement rate.
Her policy's renewal notice recently came through and informed me that the new monthly premium would jump to $61 a month.
Now, a $10 increase isn't exactly something to grab your pitchfork for, but it is an extra $120 a year.
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So I decided to put my Finder skills to the test to see if I could get a better deal.
The first thing I did was think about what kind of a policy I wanted.
Being the paranoid dog mum I am, having a comprehensive policy that covers almost everything is non-negotiable.
I wasn't too fussed with add-ons like routine care because I was comfortable with paying the odd vet consultation when I needed to.
But I also wouldn't mind a perk or two.
With these things in mind, I jumped over to Finder's pet insurance comparison table.
Following my own advice, I got 3 quotes from 3 different insurers while comparing the cost against things that were important to me, like the annual limit and range of cover.
Because Maple is only a year old, it wasn't too difficult to find a policy on the cheaper side (lucky me).
The quote that caught my attention was from Fetch, offering $30 a month for a $200 excess, a 90% reimbursement rate and a $30,000 annual limit.
Plus, they were willing to waive its waiting periods as long as I could prove Maple had no previous injuries or illnesses.
But it is worth noting that not all insurers let you do this, so something to keep in mind if you are thinking of switching.
I'd get 24/7 access to a qualified vet, which again, music to my helicopter mum's ears – and it also won the 2026 Finder Award for Best Comprehensive Pet Insurance.
I ran the numbers and found if I auto-renewed Maple's previous policy, it would cost me $723 a year. By switching, I'd pay only $372 and save $351 a year.
So I guess you can imagine what I did next.
The best part? The entire process took me less than an hour.
And while I hope I never have to make a claim, the peace of mind is a win-win.
Maple will always have access to the care she needs and I don't have to pay an arm and leg to guarantee it.
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