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Why compare pet insurance with Finder?
You pay the same price as buying directly from the pet insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've reviewed over 60 policies on the market, so you don't have to.
How does pet insurance work?
It works like this: You pay a certain amount (a "premium") to your insurer each month. In return, it pays a percentage (usually between 80% and 100%) of your cat's or dog's vet bills if they get sick or injured.
Pay for protection
You pay your pet insurance premium monthly or annually. Policies typically cost around $40 to $80 a month.
Visit a vet
You can visit any licensed vet in Australia if your pet gets sick (as long as it's not due to a pre-existing condition) or injured. You usually pay the vet bill directly.
You get between 60% and 100% of vet costs reimbursed. You can usually claim between $12,000 and $30,000 per year, depending on the policy you choose, which is why it's worth shopping around.
Guides to help you compare pet insurance
Getting a pet is exciting. Shopping for insurance isn't – so our experts curated these guides. Now it's easy to find cover.
Best pet insurance
3+ top policies narrowed down (from over 60 options) by our expert authors.
Cheap pet insurance
Get accident and illness cover with slightly lower limits from $23 a month.
3 terms to help you compare pet insurance
Annual benefit limit
This is the amount you can claim every year. It varies from around $12,000 to $30,000 (but some policies now offer unlimited cover). Good to know – a lower limit usually means a cheaper policy, but surgeries can exceed $20,000.
Some pet insurance policies have a cap on how much you can claim for certain injuries, such as paralysis tick treatment. A common sub-limit for this is $1,500 but treatment often costs $2,000+ (so maybe look for a higher limit).
This is how much you get back when you claim. Some will pay you 60% of the vet bill while others pay the whole lot. In a few cases, you'll also have to pay a small fee when you claim, called the excess.
Frequently asked questions
Read more on this topic
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How much does pet insurance cost for different dog breeds?
Ever wondered how much it would cost to insure your dog? We've crunched the numbers so you can easily compare pet insurance prices between breeds.
Cancelling Pet Insurance
Find out how and when you can cancel a pet insurance policy in this comprehensive guide.
Potiki Pet Insurance Review
Learn the ins and outs of Potiki pet insurance policies.
Medibank Pet Insurance Review
Medibank Pet Insurance has three insurance policies to suit a variety of needs and budgets.
Everyday Pet Insurance Review
Find out what each of the 3 levels of pet insurance from Everyday covers.