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Looking for pet insurance in Victoria? Compare your options and find out what you need to know in order to get cover that works for you.
There are three types of cover to choose from:
When you compare the different pet insurance options around Victoria, you’ll see some other differences between policies.
The cheapest pet insurance in Victoria is naturally going to be a very basic one but it’s not necessarily the best value for money.
In addition to the type of policy you choose, your pet insurance premiums will also depend on a range of other factors.
Have a dog? Find out how much pet insurance costs for each breed.
Your location can also plays a significant role, and insurers will often want to know your postcode, which might be used when determining premiums. Sometimes, an insurer might divide an area into city, suburbs and regional areas. For example:
Insurers might consider each of these location-based factors differently, and many might also assess the breed and the risk factors of individual animals in different ways. This can lead to very different premiums from different insurers.
Are you going to get value for money out of pet insurance? It all depends. For example, if you take out cover and your pet later develops a chronic health issue you might be glad to have it.
Or you (and your pet) might get lucky and never develop any serious health issues, and you’ll never have to make a claim. Even though you’re not getting your money’s worth, this might still be the best case scenario.
Consider the typical costs of pet insurance in Victoria.
Policy | Cost per week | Cost per month | Cost per year | Cost of cover over 5 years | Cost of cover over 10 years |
---|---|---|---|---|---|
Accident-only cover | $4.62 | $20 | $240 | $1,200 | $2,400 |
Accident and illness cover | $8.08 to $12.69 | $35 to $55 | $420 to $660 | $2,100 to $3,300 | $4,200 to $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 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 |
Vomiting/diarrhoea | $200 to $3,000 | $160 to $2,400 | $40 to $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.
Although the cost of pet insurance can vary widely, depending on a wide range of different factors, you’re probably going to be hit with a considerable vet bill at some point.
You know your pet better than anyone, so if you’re on the fence about whether it’s worth it, you might consider more individual factors. For example:
Generally, the older your pet gets, the more likely it is that health issues will emerge and that pet insurance will be worth it, even as premiums rise with your pet’s age.
However, because of the way pet insurance policies work, it can be a good idea to take out cover sooner rather than later. This is because of:
You could have the best pet insurance in Victoria, but even that would still come with a range of exclusions. Some of the typical exclusions you may encounter are:
Insurers may also decline claims if they resulted from your breaching pet ownership laws in Victoria.
Your local council may also have its own rules. For example, you will typically be legally required to pick up any of your dog droppings left in a public area.
In all parts of Victoria, you are legally required to take good care of your pet. This includes:
There are many different policy types and cover options. The wide variety of potential factors that insurers consider mean you might find some very different premiums from different providers
It can be worth taking some time to compare your pet insurance options in Victoria, to make sure you find cover that’s right for you and your pet.
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