What you need to know
We have calculated the average cost of insuring your furry friend based on their breed and age.
A Maltese Cross is typically the cheapest dog to insure ($821), according to our research.
At $2,374, Australian bulldog miniatures are the most expensive dogs to insure.
|Staffordshire Bull Terrier||$1,215||$1,578|
Just pop in your dog's breed below, and see how much you might pay for comprehensive cover, and how much pet insurance costs for different breeds. Curious to know how we got the numbers? Read more about our methodology below
Methodology: We averaged out the cost from 6 Australian pet insurance providers for accident and illness plan, we selected a $0 excess, wherever possible. Quotes were taken in November 2021 for a male, desexed dog that was born on 13/2/2016 for the 5-year-old dog and 13/2/2020 for the 1-year-old dog. The owner was 24 years old at the time, residing in the 2010 postcode.
Compare pet insurance options for your dog
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 35 policies on the market, so you don't have to.
Pay for protection
To avoid unexpected veterinary costs if your pet suffers from an illness or injury, with pet insurance, you pay a premium either monthly or annually – policies cost an average of $20 to $60 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. In most cases, you pay the vet directly for the bill. Some providers in Australia offer GapOnly, which means your pet insurance claim is calculated while you're at the vet, so you only pay the gap.
You get between 60% and 100% of your pet's vet costs reimbursed. You can generally claim a maximum of $12,000 and $25,000 per year, depending on the policy you choose, which is why it's worth comparing pet insurance.
If you're paying higher premiums than the prices listed on this page, you could be paying too much. These are average prices for a no-excess, high-limits comprehensive dog insurance plan, which means you can most likely find equivalent cover cheaper, depending on your dog's age and some other defining factors.
Different breeds have different risk levels. Large dogs for example are typically more at risk of cruciate ligament injuries, while other breeds might be more susceptible to medication allergies. Pedigree breeds in particular are more susceptible to congenital health issues.
Different breeds are more susceptible to certain health risks.
Desexing your dog can significantly lower your premiums as it reduces the risk of your dog contracting common serious illnesses and the likelihood of risky behaviour, such as running away or aggression towards other dogs.
This can affect how likely your dog is to experience injuries, such as being hit by a car, as well as the typical vet fees you can run into. There's usually little regulation around how much vets can charge for their services, so you might find different prices in different places.
While veterinary fees are largely unregulated, the insurance industry is not. Your premiums are a reflection of actual risk levels, so higher premiums generally mean you're more likely to get more use out of your pet insurance.
There are several tips and tricks to reduce your pet insurance premiums. However, doing so could mean you'll be out of pocket later down the line:
Raise your excess. By choosing a higher pet insurance excess (the amount you'll have to pay if you make a claim), you are likely to find lower premiums than the averages listed on this page.
Pick a different type of cover. Accident-only cover is typically the cheapest dog insurance, whereas cover for accidents and illness is generally the most expensive. You can also select different policy limits to reduce your premium - this is the most your pet insurance will pay out in a 12 month period.
Shop around. Different insurers might assess dogs differently based on their breed and age, so the cheapest option for one person is not necessarily the cheapest for another. It's always worth shopping around to see if you can find better value dog insurance.
How to find cheaper pet insurance
Compare dog insurance policies and get quotes to see how much it might cost you to get your furry friend covered.
Looking for pet insurance? What you need to know for these popular breeds
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.