Get cover that works for your pet and your budget.
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.
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.
|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 - $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 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|
|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 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.
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