Pet insurance NSW

60% of NSW residents have a pet, but lots still need pet insurance. Compare 12 brands available in NSW.

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Whether you're worried about busy Sydney traffic or a snake bite in regional NSW, pet insurance can help protect your furry friend. You can get insured for injuries and illnesses caused by car accidents, bites, animal fights and more and avoid expensive NSW vet bills.

*60% – based on Animal Medicines Australia statistics.

Compare pet insurance and get a quote

We know that cost is important, but we can't include costs in our cat and dog insurance comparison. That's because quotes are tailored to the breed of your pet, their age and a few other factors that are unique to you and them. So compare the features of each brand, then begin your personalised quote.

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate Maximum Yearly Benefit
Woolworths Comprehensive Cover
$1,500
$24,000
80%
80%
$24,000
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Includes a price beat promise for similar policies and GapOnly cover.
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
$15,000
Get 1 month free of Pet Insurance. Plus, Medibank health members save 10% every year. Use the promo code FREEMONTH. Offer ends August 18, 2021. T&Cs apply.
Budget Direct Dog Insurance
$1,500
$12,000
80%
80%
$12,000
Apply online and get 15% off your first year’s premium. T&Cs apply.
Knose Dog Cover
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
$25,000
⭐Finder Exclusive: Get 10% off of the first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
$15,145
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$2,500
$15,000
100%
100%
$15,000
Get a 5% discount when you insure more than one pet.
Kogan Pet Luxury Cover
$2,000
$15,000
80% or 65%
80% or 65%
$15,000
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$2,500
$12,000
100%
100%
$12,000
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
$2,300
$15,000
N/A
N/A
$15,000
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$1,500
$25,000
100%
100%
$25,000
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
RSPCA Ultimate Plus Accident and Illness Cover
Up to $20,000 annual limit
$20,000
80%
80%
$20,000
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
PetSecure Accident and Illness Cover
$500
$12,000
75% or 85%
75% or 85%
$12,000
Your pet is covered for life.
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Compare up to 4 providers

How much does pet insurance cost in NSW?

Pet insurance costs depend on factors such as your pet's breed, how old they are as well as where you live in NSW. For example, a cat in the suburbs might be more likely to run into a Sydney funnel-web spider, while in regional NSW, you're more likely to encounter venomous snake bites and ticks. Because of that, the following table should only be used as a guideline – your personalised quote may differ.

PolicyCost per weekCost per monthCost per yearCost of cover over 5 yearsCost of cover over 10 years
Accident-only cover$4.62$20$240$1,200$2,400
Accident and illness cover$8.08 - $12.69$35 - $55$420 - $660$2,100 - $3,300$4,200 - $6,600
Accident and illness cover plus routine and preventative care$13.85+$60+$720+$3,600+$7,200+

Now consider the cost of some common vet bills.

Illness or injuryTotal cost of treatmentAmount covered by pet insurance (80% of bill)Remaining amount you would need to pay
Cruciate ligament surgery$2,500$2,000$500
Vomiting/diarrhoea$200 - $3,000$160 - $2,400$40 - $600
Tick paralysis$5,000 $4,000$1,000
Snake bite$2,000$1,600$400
Bone fractures$2,500$2,000$500
Ingesting a foreign body$2,000$1,600$400
Cancer$2,000$1,600$400

*Disclaimer: Please note that the costs quoted in the above table are guides only. Costs can vary greatly based on severity, required treatment and how much your vet charges. For example, the quoted cost of snake bite is $2,000, but in severe cases treatment could cost well over $10,000.

What's the best pet insurance in NSW?

It's impossible to say what the best pet insurance in NSW is – it depends on what you're personally looking for. To help you find the right policy, here's a breakdown of what's offered by different policies and who those policies might be best for:

Policy typeWhat it coversWho it might be best for
Accident onlyTreatment for your pet if an accident happens.People who want the cheapest policy, or older pets who are no longer able to get illness cover.
Accident and illnessTreatment for your pet for certain illnesses as well as accidental injuries.Those who want cover for illnesses and accidents but don't want to pay for the higher limits that you get with comprehensive cover.
ComprehensiveAccidents and illnesses, with higher limits on what you can claim for, plus other benefits, such as emergency pet boarding if you have to go to hospital.Those who want peace of mind knowing that they've got the most comprehensive policy for their pet, regardless of the cost.

As you compare pet insurance policies, look for the following information:

  • Percentage of costs covered. Comprehensive pet policies typically cover around 70-80% of vet bills, while more basic ones might only cover 50-60% of costs.
  • Benefit limits. Comprehensive cover often pays up to $15,000 per year for necessary vet treatments, while the more basic policies might have limits of around $5,000 per year.

If you're after the cheapest pet insurance in NSW, it's most likely going to be an accident only policy with low limits and a low percentage of costs covered. However, you might be able to get significantly better value in the long run with comprehensive cover.

Is it worth getting pet insurance?

You know your pet better than anyone else, so consider how likely they are to need insurance. Ask yourself:

  • Are they energetic? Just like pro athletes, activity can take a toll over time, causing health issues down the line.
  • Are they aggressive? If your pet can get a little aggressive, it can naturally lead to a range of injuries. Even if your pet is the aggressor, these injuries are often covered by pet insurance, as long as it's not registered as a dangerous dog and the aggression is not specifically the result of a diagnosed disorder.
  • Are they healthy? Just like people, some pets might be born with a range of congenital health issues.
  • Are they curious? Sometimes, curiosity can lead to pets doing or eating things that they shouldn't.

It's also typically a good idea to get pet insurance before you need it. Consider the following:

  • Pre-existing conditions. These might not be covered if you wait to take out pet insurance. If you get it before the condition develops, then they can be covered.
  • Age limits. You generally can't insure animals over the age of 9. However, if you take out a lifetime pet insurance policy before then, you can maintain cover no matter how old your furry friend is.

Are there any exclusions to be aware of?

All insurance policies have exclusions, and pet insurance is no exception. In New South Wales, some of the conditions to watch out for as you compare pet insurance include the following:

  • Dental. Not all pet insurance will cover dental needs, like gingivitis treatments.
  • Pre-existing conditions. These are conditions that were apparent prior to taking out cover. It can be a good idea to take out cover sooner in order to avoid getting these excluded when they arise.
  • Infectious diseases and parasites. Many policies might also require you to make sure your pet's vaccinated in line with vet recommendations as well as exclude cover for preventable illnesses.

You are also required to follow a range of state and local council laws. These are not only a legal requirement, but also a requirement of your pet insurance in many cases.

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