Pet insurance in Victoria

Victorians love pets, but lots still don't have pet insurance. Compare the brands available in Victoria.

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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.

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Pet Insurance
⭐ Finder Exclusive: Receive a $55 eGift card after your 21-day cooling off period. Apply by 28 February 2022.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
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.
Medibank Ultimate Pet Care
Get a sweet 16% off your first year. Sign up and use promo code SAVE16 by 2 Feb 2022. T&Cs apply.
PD Deluxe Plan
Apply online and get your first 1 month free. T&Cs apply.
Knose Pet Insurance
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.
Coles Premium Cover
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.

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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.

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 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 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 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

*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.

Pet DogHave 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.

*Lort Smith vet and RSPCA VIC fees

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