Woolworths Comprehensive Cover
Claim up to $24,000 a year.
- Illness, accidental injury, lifetime cover.
- Claim up to 80% of your vet bill back.
- 12 months free VetAssist + 10% Woolworths grocery discount.
Woolworths Comprehensive Cover
Claim up to $24,000 a year.
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Pet Insurance Finder™ makes it easy to compare your options online, for free. Simply select your needs below, then head off to tailor your quote for your furry friend with your favourite option.
Pet insurance in Australia works like this: you pay a certain amount (a "premium") to your insurer each month, and in return, they pay a percentage of your cat or dog's vet bills if your pet is sick or injured, up to an agreed maximum. Pet Insurance Finder™ makes it easy to compare your options online, for free.
Like health insurance for humans, pet insurance helps cover unexpected bills if your furry pal needs surgery or treatment for anything from a snakebite to cancer, as the bills can add up to thousands of dollars. Since most of us don't have that kind of money sitting around (and there's no Medicare for our dogs and cats), having insurance can help you make decisions based on your pet's health and not your bank account. This is how pet insurance works in Australia:
When signing up for pet insurance, you can generally choose from three types of cover:
At first glance, it might seem like most pet insurance policies are pretty similar. Here's how 2 insurers' comprehensive policies stack up against one another.
|Insurer A||Insurer B|
|Annual Benefit Limit||$12,000||$20,000|
|Choice of excess||$0, $100 or $200||$0 or $50 only|
This insurance policy comparison was made for Teddy the male French bulldog. He is 4.5 years old, desexed, and lives in Campbelltown NSW.
As you can see, these policies cost around the same and cover Teddy for similar services. However, there are some key differences worth noting, such as:
As many a pet owner will tell you, it seems like pets are forever munching on things they're not allowed to eat, from slippers to freshly baked brownies.
It only takes a moment's lapse in concentration and you could be looking at an expensive trip to the vet. For instance, imagine that Teddy the frenchie swallows one of his owner's socks. Surgery can range from $982 to a staggering $22,919 and costs generally depend on where and when you need it.
With something like a swallowed object, you don't have time to shop around for the best deal - your pet needs to be taken care of now. A comprehensive policy with a benefit limit of $20,000 would help cover up to 85% of the cost of surgery to remove the object. So while you'd still be out of pocket $3,000 in the worst case scenario, it's a bit more palatable than $20,000, or having to make a far more difficult decision.
That's why it's always worth looking for higher annual limits when searching for a policy. While slightly lower premiums may be tempting, you risk being seriously out of pocket if something goes wrong.
Our pets can get themselves into all sorts of trouble. Pet insurance can help you out if an accident or illness strikes. Here are some common issues your pet insurance can help cover:
You can get cover for your pet once it's 8 weeks or older. If you're considering pet insurance, you're better off getting it while your pet is young and healthy, before it develops any pre-existing conditions. It's a good idea to consider pet insurance for any of the following reasons:
It's often the case that the best deals are available to new customers, so it makes a lot of sense to compare what's out there and switch to a more affordable policy, as long as you're still covered for what you need. However, there are a few key things to watch out for when switching brands:
We crunched the numbers on 560 dog breeds and 96 cat breeds, and found that the average cost of comprehensive pet insurance for a 5-year-old dog was $78.04 a month, while the average cost of comprehensive pet insurance for a 5-year-old cat was $51.69 a month.
As a pet owner, you know that having a pet isn't exactly cheap. The average Australian dog owner spends $1475 a year, and the average cat owner spends $1,029 a year on their pets (ASIC MoneySmart). When you consider that Australians spent $2.24 billion on vet costs in 2016, pet insurance starts to make a lot more sense. Insuring your pet helps offset the costs of owning a pet with policies ranging from around $20 a month (accident only cover) to $60 a month and upwards (comprehensive cover). As you can imagine, the cost differs considerably from one brand to another, so it pays to compare. Read our pet insurance cost guide to see what impacts the cost of pet insurance.
Check out some of the pros and cons of pet insurance to help you work out if it's worth it.
If you're still unsure whether it's worth it or not, check our our guide on the pros and cons of getting pet insurance.
Pet insurance policies will often let you tailor your policy to work for you. Consider each optional extra on its own merits, and compare pet insurance policies to look for the ones you're more likely to use. Here are some optional extras that are available with different policies:
Other than health issues for your cat or dog, pet insurance policies often include some cover for the following:
Just like any other insurance, pet insurance doesn't cover everything. Here are some common exclusions:
Learn more about pet insurance exclusions.
How do Aussies really feel about their pets? Check out the latest survey results.
New data suggests pet owners are using their spare time to focus on their animal's health - and pet insurance may be helping.
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The pet insurance industry has come under fire recently, but here are 5 reasons why pet owners should think twice before cancelling their policy.
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