Pet insurance Queensland

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.

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Name	Product	Accidental Injury	Illness	Paralysis Tick Benefit	Maximum yearly benefit	Reimbursement rate	Reimbursement Rate
Budget Direct Pet Insurance Exclusive				$1,500	$12,000	80%	80%	⭐Finder Exclusive: Receive a $55 eGift card after your 21-day cooling off period. Apply by 31 December 2021. T&C’s apply.	Get quote View details	Compare	loading Fetching your data...
Kogan Pet Luxury Cover				$2,000	$15,000	80% up to age 8 & 65% over age 8	80% up to age 8 & 65% over age 8	Sign up and get $75 Kogan.com credit with a $10 ongoing monthly credit. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Medibank Ultimate Pet Care				$1,200	$15,000	80%	80%	Get a sweet 16% off your first year. Sign up and use promo code SAVE16 by 2 Feb 2022. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
PD Deluxe Plan				$15,000	$15,000	100%	100%	Apply online and get your first 1 month free. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Knose Pet Insurance Exclusive				$25,000	$25,000	70%, 80% or 90%	70%, 80% or 90%	⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.	Get quote View details	Compare	loading Fetching your data...
Vets Choice Elite Cover				$2,500	$15,000	80% or 100%	80% or 100%	Get a 5% discount when you insure more than one pet.	Get quote View details	Compare	loading Fetching your data...

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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.

Now consider the cost of some common vet bills.

_{*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.

• Specific illnesses and congenital illnesses may be excluded in many policies.

  Specifically excluded conditions and illnesses

  • Patella luxations (dislocating kneecap)
  • Elbow dysplasia
  • Intervertebral disc disease
  • Illnesses or injuries caused by parasites, except as specifically covered by your policy.
  • Cruciate ligament conditions, except as specifically covered under your policy

  For dogs specifically:

  • Infectious canine hepatitis (canine adenovirus)
  • Parvovirus
  • Canine distemper
  • Parainfluenza
  • Kennel cough

  For cats specifically:

  • Panleukopenia
  • Chlamydia
  • Leukemia
  • Feline immunodeficiency virus (FIV)

  • Viral rhinotracheitis
  • Calicivirus
  • Herpes
  • Cat flu

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

Still not sure which policy is best for you? See our top picks for 2021