Pet insurance in South Australia

Living in The Festival State and need to protect your pet? Compare pet insurance policies.

Wondering if pet insurance is worth it? Want to find out how much pet insurance costs in SA? This guide has your back. Compare quotes from Australian insurers, or read on to find out what to look for when comparing cover.

Compare your pet insurance options in South Australia

Details Features
Major Medical Cover
Major Medical Cover
Get 2 months free when you sign up.
  • Maximum yearly benefit: $15,145
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0, $100 or $200
  • Paralysis tick benefit: $1,200
  • Discounts: 15% multi-pet discount
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Ultimate Cover (Accident & Illness)
Ultimate Cover (Accident & Illness)
Helps support the RSPCA.
  • Maximum yearly benefit: $11,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $1,200
  • Discounts: 10% multi-pet discount
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Premium Accident & Illness Cover
Premium Accident & Illness Cover
Pay fortnightly, monthly or yearly at no extra cost.
  • Maximum yearly benefit: $12,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $1,200
  • Discounts: 10% refund after your 1st year
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Comprehensive Plan
Comprehensive Plan
Get a free engraved pet ID tag when you sign up.
  • Maximum yearly benefit: $8,000 or $12,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0, $100 or $200
  • Paralysis tick benefit: $1,000
  • Discounts: 10% multi-pet discount
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 Premium Care
Premium Care
Helps support Guide Dogs Australia.
  • Maximum yearly benefit: $20,000
  • Reimbursement rate: 85%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0 or $50
  • Paralysis tick benefit: $2,000
  • Discounts: 10% multi-pet discount
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Sovereign Accident & Illness Cover
Sovereign Accident & Illness Cover
With guaranteed renewal you can protect your pet for life.
  • Maximum yearly benefit: $14,000
  • Reimbursement rate: 85%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $1,200
  • Discounts: 10% multi-pet discount
Go to site More info
Platinum Accident and Illness
Platinum Accident and Illness
No joining fee to pay.
  • Maximum yearly benefit: $12,000
  • Reimbursement rate: 80%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $1,000
  • Discounts: No
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Accident and Illness Cover
Accident and Illness Cover
Your pet is covered for life.
  • Maximum yearly benefit: $12,000
  • Reimbursement rate: 75% or 85%
  • Eligibility: Between 8 weeks and 9 years old
  • Excess options: $0
  • Paralysis tick benefit: $500
  • Discounts: 10% off for pensioners and rescue dogs
Go to site More info

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 South Australia?

The cost of pet insurance varies depending on a range of factors.

  • What kind of cover you get. Your cost will depend on whether you get basic or comprehensive cover.
  • Breed and gender. Different dog and cat breeds as well as genders have different health risks.
  • Size. Bigger animals generally cost more to insure.
  • Whether your dog is desexed. Desexing or neutering can prevent health issues and risky behaviour in pets, lowering your premiums.

Have a dog? Find out how much pet insurance costs for each breed.

Your location can also play a significant role.

If you’re getting cover in South Australia, insurers might consider the likelihood of your dog running into venomous snakes, especially in regional areas. If you’re looking for pet insurance in Adelaide, insurers might consider your postcode when assessing the likelihood of animals being hit by a car.

Insurers might assess these risks in different ways, which could lead to different costs. As such, it’s worth shopping around. For example, one insurer might consider how much more dangerous a spider bite might be for smaller dogs than for larger dogs, while another might not go into this much detail.

Others might consider the climate and typical weather. French bulldogs, for example, are typically much more prone to heat stroke and other temperature issues, so some insurers might adjust premiums for this breed based on the usual weather in your area.

Is pet insurance worth it in South Australia?

A lot of factors can affect the cost of insurance as well as the cost of vet bills.

Consider the usual cost of pet insurance in South Australia for different types of cover.

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.


So, is it worth it?

You might pay over $7,000 for comprehensive pet insurance over 10 years, and it might be a “waste” of money or could pay for itself many times over.

You know your pet better than anyone else, so consider how likely it is to get in trouble. High-energy pets can develop health issues later on, just like pro athletes, while curious dogs and cats might be more likely to end up in trouble at some point.

It’s often a good idea to get pet insurance before you need it on account of the following:

  • Pre-existing conditions. These might not be covered if you wait too long.
  • Age limits. Once your pet turns nine, you might not be able to find insurance for it. Take out a lifetime pet insurance policy before then, and you can maintain cover for life.

Are there any exclusions to be aware of?

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.

You are also required to follow a range of state laws regulating pet ownership. If a claim is found to result from breaching any of the relevant state or local council regulations, your insurer might deny a claim.

Laws for pet owners in South Australia

Microchipping will be mandatory for all cats and dogs in South Australia from 1 July 2018, and currently:

  • Dogs must be registered with your local council
  • Dogs must not be allowed to wander alone, and need to be under appropriate control at all times.
  • Dogs must generally be appropriately restrained while being carried in the open tray of a ute or other vehicle

If you own a regulated dog breed or dangerous animal, you may be required to make sure it’s muzzled in public.

You are also required to clean up after your dog in public places, and make sure your dog is not a nuisance to others. This includes attacking, or damaging property, but also excessive barking.


Andrew Munro

Andrew writes for finder.com, comparing products, writing guides and looking for new ways to help people make smart decisions. He's a fan of insurance, business news and cryptocurrency.

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