Pet insurance in Victoria

Victoria is one of the most pet-loving states in Australia – yet only 32% of pet owners have a policy for their furry friend. Considering that a consultation can cost around $120* in Victoria and help pay for other accidents and illnesses, getting pet insurance for your dog or cat is a no-brainer.

Compare pet insurance in Victoria

We get that price is important, but we don't include costs in our pet insurance comparison because quotes are tailored to your specific pet. This means there are a few variables we can't account for. So compare the features that matter to you first then get your personalised quote.

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Name	Product	Accidental Injury	Illness	Paralysis Tick Benefit	Maximum yearly benefit	Reimbursement rate	Reimbursement Rate
Budget Direct Pet Insurance Exclusive				$1,500	$12,000	80%	80%	⭐ Finder Exclusive: Receive a $55 eGift card after your 21-day cooling off period. Apply by 28 February 2022.	Get quote View details	Compare	loading Fetching your data...
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.	Get quote View details	Compare	loading Fetching your data...
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.	Get quote View details	Compare	loading Fetching your data...
PD Deluxe Plan				$15,000	$15,000	100%	100%	Apply online and get your first 1 month free. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Knose Pet Insurance Exclusive				$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.	Get quote View details	Compare	loading Fetching your data...
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.	Get quote View details	Compare	loading Fetching your data...

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How much does a pet insurance policy cost in Victoria?

We can't tell you exactly how much you'll pay, but we can help give you an idea of the costs.

Now consider the cost of some common vet bills.

_{*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.}

In addition to the type of policy you choose, your pet insurance premiums will also depend on a range of other factors.

• Age. Older pets are more prone to health issues and are typically more expensive to insure.
• Gender. This can affect the types of health issues a pet may encounter.
• Breed. Different breeds have very different risk levels. A pedigree with a high chance of congenital illnesses, for example, might have higher premiums.
• Whether your dog is desexed. Desexing or neutering your pet can make it much less prone to certain health issues, leading to lower premiums.

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

Your location can also play a significant role so insurers will generally want to know your postcode, which might be used when determining how much you'll pay. Sometimes, an insurer might divide an area into city, suburbs and regional areas.

📍Pet insurance in Melbourne city. There's a higher risk of traffic accidents, and other factors, which might lead to higher premiums. In other ways though, it might be safer, which can lead to lower premiums.

📍Pet insurance in suburban Melbourne. There's a lower risk of being hit by a car than in the city, but there may be a higher likelihood of other issues depending on the neighbourhood.

📍Pet insurance in regional Victoria. There may be a higher chance of wildlife injuries in regional areas, such as snake bites and kangaroo attacks.

What's the best pet insurance in Victoria?

The best pet insurance in Victoria depends on what you're looking for. To help you find a policy that works for you, here's a breakdown of what's offered and who they might be best for.

• Accident-only. Expenses are covered for accident-related events. It's ideal for owners who want the cheapest policy or are no longer able to get illness cover for their older pet.
• Accident and illness. This is generally the mid-range policy that covers both accidents and injuries but has lower annual limits (the maximum amount you can claim each year for an event) than comprehensive policies. It's good for those who don't want to pay as much as you would for a top-level policy.
• Comprehensive. This covers accidents and illnesses and has the highest limits on what you can claim for. It usually comes with other benefits, like emergency pet boarding or routine care and is ideal for owners who want the most comprehensive policy that money can buy.

Do I need pet insurance in Victoria?

If you're not sure whether you need pet insurance in Victoria, ask yourself the following:

• How is your pet's temperament? If your pet has a tendency to get into fights or is easily provoked by other animals, you might want to consider pet insurance.
• How energetic is your pet? Some particularly high-energy pets can be more likely to experience health issues in later years as all the activity takes its toll.

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 because of the following:

• Pre-existing conditions. These might not be covered if you only take out pet insurance after they develop.
• Age limits. At a certain age, such as nine years old, insurers might decline to cover your pet. However, if you take out a lifetime pet insurance policy before then, you can maintain cover for life regardless of age.

What exclusions are there?

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:

• Dental. Some insurers won't cover pet dental issues.
• Pre-existing conditions. These are typically not covered if they existed before you took out a policy.

• Specific diseases, and types of illness: Infectious diseases and parasites are often excluded, as well as a range of specific types of illness, especially if they can be prevented with a vaccination.

• Specifically excluded conditions and illnesses

  • Patella luxations (dislocating kneecap)
  • Elbow dysplasia
  • Intervertebral disc disease
  • Illnesses or injuries caused by parasites, except as specifically covered by your policy.
  • Cruciate ligament conditions, except as specifically covered under your policy

  For dogs specifically:

  • Infectious canine hepatitis (canine adenovirus)
  • Parvovirus
  • Canine distemper
  • Parainfluenza
  • Kennel cough

  For cats specifically:

  • Panleukopenia
  • Chlamydia
  • Leukemia
  • Feline immunodeficiency virus (FIV)

  • Viral rhinotracheitis
  • Calicivirus
  • Herpes
  • Cat flu

_{*Lort Smith vet and RSPCA VIC fees}

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