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
Reimburses 80% of veterinary treatment related to Accidental Injury and Illness.
  • $15,000 annual benefit limit
  • 80% of vet bill covered subject to terms and conditions
  • $1200 emergency boarding fees per year
  • 5% discount for each additional pet insured up to 15%
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Comprehensive Cover
Comprehensive Cover
Price Beat guarantee on comparable pet insurance policies.
  • Accidental Injury and Illness Cover Plus Routine Care
  • $12,000 annual benefit limit
  • $1,500 annual tick paralysis benefit
  • Up to $1,200 emergency boarding fees
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Ultimate Cover (Accident & Illness)
Ultimate Cover (Accident & Illness)
Get up to $11,000 cover every year on eligible bills. Benefit from a 10% multi-pet discount.
  • $11,000 annual claim limit
  • Up to 80% of eligible vet bills back*
  • No excess
  • Premiums go towards supporting the RSPCA
  • Optional routine care cover
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Premium Accident & Illness Cover
Premium Accident & Illness Cover
Get 10% of the premiums you’ve paid back after the first 12 months with The Real Reward.
  • $12,000 annual claim limit
  • Up to 80% of vet bill covered subject to terms and conditions
  • Take your pet to any licensed vet practice in Australia
  • Optional routine care benefit
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Comprehensive Plan
Comprehensive Plan
FREE engraved ID tag for all new policy holders
  • $8,000 or $12,000 annual benefit limit
  • Up to 80% of vet bill covered
  • Excess of $0, $100 or $200 per each unrelated condition
  • Optional Routine Care Cover
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 Premium Care
Premium Care
Helps support Guide Dogs Australia.
  • $20,000 annual benefit limit; covering accident and illness
  • Up to 85% of eligible vet bills covered
  • Excess options: $0 or $50
  • $1 million of Third Party Liability Cover – for Registered Guide Dogs only
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Sovereign Accident & Illness Cover
Sovereign Accident & Illness Cover
With every additional pet, you get a 10% discount. Offers optional coverage for routine care.
  • Cover up to 85% of eligible vet bills*
  • Claim up to 14,000 per year
  • Optional routine care
  • No excess
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Gold Accident and Illness
Gold Accident and Illness
With no joining fee and no excess to pay, it’s affordable protection for your four-legged friend.
  • Cover up to 75% of eligible vet bills*
  • Maximum claim of $12,000 per year
  • You’re free to choose any licenced vet in Australia
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Accident and Illness Cover
Accident and Illness Cover
Cover 75% - 85% of your veterinary treatment costs up to $12,000. Multi-pet discount up to 10%.
  • Annual limit up to $12,000
  • $500 tick paralysis treatment cover
  • 10% multi-pet discount
  • $300 in consultations covered per annum
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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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