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Pet insurance Queensland
Spiders, snakes and unexpected vet bills: protect your furry pal with pet insurance in Queensland.
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Queensland is no stranger to dangerous animals. But just because you know not to provoke them doesn't mean your pet does. A pet insurance policy in Queensland can help cover unexpected bills if your dog or cat needs surgery or treatment for anything from a snakebite to cancer, helping you avoid thousands of dollars in bills.
Pet insurance Queensland: Compare policies
Our table doesn't include prices because quotes are tailored to the type of pet you have, their age and where they live. Compare the features first, then click through to get your personalised quote.
What's the best pet insurance in Queensland?
Just as all pets are different, there's no one-size-fits all for pet insurance. But it doesn't mean you can't find a good policy. Here are some helpful tips on how to find the best pet insurance in Queensland for you.
- Look at the reimbursement rate. This is the maximum amount of vet bills that you'll be covered for. Comprehensive policies generally give you 80% back, but some do more. At the time of writing, we have two providers, Petsy and Vetschoice, who both offer 100% back.
- Check the annual benefit limit. This is the maximum cash amount that you're covered for per year. The maximum annual benefit is usually between $12,000 and $20,000. But both Knose and Petsy have a $25,000 limit. Keep an eye out for sub-limits as well. This is the most you can claim back on specific treatments.
- Emergency boarding. If you are the pet's sole carer and you're hospitalised for a few days, a comprehensive policy can provide cover for the cost of emergency boarding for your pet.
- Essential euthanasia. It's not something any pet owner wants to think about, but if it's deemed essential by your vet, you can be covered for the costs.
- Paralysis tick benefit. You can usually get covered for up to $1,000 for tick benefits.
How much does pet insurance cost in Queensland?
The cost of pet insurance depends on the type of policy you buy as well as factors such as age, breed, size and whether or not your pet is desexed. The table below gives you an outline of how much a policy might cost you, whether you're looking for dog insurance in Queensland or cat insurance.
|Policy||Cost per week||Cost per month||Cost per year||Cost of cover over 5 years||Cost of cover over 10 years|
|Accident and illness cover||$8.08 to $12.69||$35 to $55||$420 to $660||$2,100 to $3,300||$4,200 to $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 injury||Total cost of treatment||Amount 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 to $2,400||$40 to $600|
|Ingesting a foreign body||$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.
Common exclusions to watch out for
All insurance policies have exclusions, and pet insurance is no exception. In Queensland, some of the conditions to watch out for as you compare pet insurance include:
- No cover for dental issues. Some policies won't cover dental conditions, like gingivitis.
- 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 rather than later, in order to avoid getting these conditions excluded when they arise.
- Infectious diseases and parasites. Specific preventable and infectious diseases might not be covered under your policy, especially if they can be prevented with vaccinations. Some policies might also require you to make sure your pet is vaccinated in line with vet recommendations.
- Occupational use. You may not be covered for injuries your pet sustains while hunting, working as a guard dog, herding or otherwise being used for occupational purposes. Guide dogs and assistance animals are exempt from this rule.
- Breeding and pregnancy. You are typically not covered for illnesses or injuries resulting from a dog being used for breeding purposes, or sustained as a result of pregnancy or giving birth.
It's also important to be aware of the laws around pet ownership in Queensland, for both legal and insurance reasons. Generally, you'll be required to follow the relevant pet ownership laws in order to maintain cover.
Laws for pet owners in Queensland
In Queensland, you need to:
- Provide your pet with appropriate food, shelter and care
- Register your dog before they're 12 weeks old and within 14 days of moving to a new local council area.
- Microchip your dogs or cats, if they were born after 10 April 2009, before they are sold or given away.
- Meet specific laws regarding welfare if you're breeding dogs and their puppies
- Request a permit from your local council if you want to own a regulated dog
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