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Pet Insurance Comparison
Compare 10 leading brands in Australia side-by-side to see which pet insurance is a good fit for you.
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How can you compare pet insurance policies?
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 | |
|---|---|---|
| Premium | $118.65 | $121.04 |
| Annual Benefit Limit | $12,000 | $20,000 |
| Reimbursement rate | 80% | 85% |
| Illnesses | Yes | Yes |
| Accidental Injury | Yes | Yes |
| Cancer treatment | Yes | Yes |
| Excess | $0 | $0 |
| 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:
- Annual Benefit Limit: The maximum benefit limit between policies can vary from around $11,000 to $20,000. A lower limit generally means cheaper premiums but you risk reaching your annual limit and being out of pocket if your pet is seriously ill or injured or becomes ill.
- Choice of excess: This is how much you pay out of pocket if you needed to make a claim. Some policies allow you to choose your excess amount (the higher your excess, the less you pay each month). In the example above,
- Reimbursement rate: While the difference between an 80% and an 85% reimbursement rate doesn't seem like a lot, imagine if you were faced with a $5,000 vet bill. You'd be out of pocket $1000 with Insurer A (80% reimbursement) or just $750 with Insurer B (85% reimbursement).
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