Pet insurance South Australia

Whether you live in the city or the country, pet insurance can help you protect your furry friend.

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In South Australia, it's not uncommon for us to be sharing our backyards and properties with a range of native wildlife. And while we know not to provoke wild animals, our pets often don't.

Combine that with the risk of busy traffic in populated areas and the risk of illnesses like cancer and it makes sense to consider pet insurance. A policy can cover you for accidents and illnesses whenever the unexpected happens.

Compare pet insurance in SA

We get that price matters, but we don't include costs in our pet insurance comparison. This is because quotes are tailored to the pet you own, including their age and breed. So compare the features of each policy in our table first, then get your own personalised quote.

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Pet Insurance
$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.
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.
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.
PD Deluxe Plan
$15,000
$15,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Knose Pet Insurance
$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.
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.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$1,500
$25,000
100%
100%
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.
Coles Premium Cover
$2,500
$15,000
80% or 100%
80% or 100%
Get 10% off your new Coles pet policy till 31 Jan 2022. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
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Compare up to 4 providers

How does pet insurance work?

There are three types of cover to choose from:

  • Accident only. This policy only covers injuries that are the result of accidents.
  • Accident and illness. This covers accidental injuries as well as a wide range of illnesses.
  • Comprehensive. This policy provides accident and illness cover as well as some extra benefits like kenneling or boarding costs.

When you compare different pet insurance options you can find around South Australia, you'll discover the following differences:

  • Percentage of costs covered. This might be only 50% with basic pet insurance and up to 80% with comprehensive plans. The insurer covers this percentage of costs, while you pay the remaining out of your own pocket.
  • Annual limits. Basic policies might pay up to $5,000 a year for vet bills, while comprehensive ones might cover up to $15,000 or more.

If you're after the cheapest pet insurance in South Australia, it's most likely going to be an accident-only policy. However, in the long run, comprehensive cover might end up being better value for money.

How much does pet insurance cost in SA?

The table below gives you an idea of how much pet insurance costs in South Australia. Remember that your personalised quote will differ based on factors such as your pet's age and breed.

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+

Is it worth getting pet insurance?

If you want peace of mind and you don't want to worry about whether or not you can afford certain vet bills, then it's worth it. If you're not sure whether it's good value for money, take a look at the cost of some common vet bills and see how much insurance can help.

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 for a snake bite is $2,000, but in severe cases, treatment could cost well over $10,000.

Common exclusions to look out for

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

  • No cover for dental issues. Not all policies cover pet dentistry.
  • Pre-existing conditions. These are conditions that were apparent prior to taking out cover and are not usually covered.
  • Occupational use. Guard dogs and hunting dogs might not be covered for injuries they receive while working. Guide dogs and assistance animals are exempt from this rule.
  • Breeding and pregnancy. When a pet's used for breeding purposes, it might not be covered Pregnancy-related health issues generally aren't covered either.

Laws for pet owners in SA

In South Australia, there are a few laws pet owners need to be aware of.

  • All cats and dogs need to be microchipped by three months of age.
  • All cats and dogs born after 1 July 2018 must be desexed (unless exempt).
  • Anyone who breeds must register with the Dog and Cat Management Board as a breeder.

More guides on Finder

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