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Accident & Illness Pet Insurance

Scared of huge vet bills? Accident and illness pet insurance can help you recoup up to 100% of vet bills if your pet gets sick or injured. Compare 13+ options.

Medibank Pet Insurance
⭐ Finder Exclusive

Get 18% off your first year.*

Promo code FINDER18.
Ends 30 June 2022.

  • Over 10 years of experience
  • Choose from 3 cover options
  • Insurance for dogs and cats
  • Choose any licenced vet*
Get quote
*T&Cs apply. Visit our website for more details.

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Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Illness Accidental Injury
Medibank Essential Pet Care
⭐Finder Exclusive: Enjoy 18% off your first year. Sign up using promo code FINDER18 by 30 June 2022. T&Cs apply.
Budget Direct Pet Insurance
Apply online and get 15% off your first year’s premium. T&Cs apply.
PIA Comprehensive Cover
Covers your vet bills for specified accidents and illnesses, including cruciate ligament and cancer treatment. Get 2 months free when you sign up.
PD Deluxe Plan
Apply online and get your first 1 month free. T&Cs apply.
Vets Choice Pro Cover
80% or 100%
Get a 5% discount when you insure more than one pet.
Woolworths Standard Cover
With Standard Cover, you get up to 80% back on eligible vet bills and a $10,000 annual Benefit limit. Pay the gap and claim on the spot with GapOnly. Pricebeat is available for similar policies. T&C's apply.
Kogan Pet Value Cover
70% up to age 8 & 60% over age 8
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
Australian Seniors Essential Accident & Illness Cover
If you're over 50 get 10% off.
Guardian Gold Accident & Illness Cover
No joining fee to pay.
Petsy Top Cover
Enjoy 5% off your first year of pet insurance.
Real Standard Accident & Illness Cover
Covers specific accidents and illnesses for your pet. Get 10% of premiums back in the first 12 months.
RSPCA Economy Accident & Illness Cover
Covers your pet for a range of accidents and illnesses. Get 1 month free for the first year of new policies. T&C's apply.
Coles Comprehensive Cover
80% or 100%
Specified illnesses only
Sign up before 30 June 2022 to get 10% off your first year. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PetsOnMe Deluxe Plan
Get 2 months free if your pet is between 6-52 weeks old, or 1 month free if your pet is over 1 year old. T&Cs apply.

Compare up to 4 providers

What is accident and illness pet insurance?

Accident and illness pet insurance helps cover unexpected bills if your cat or dog gets sick or injured. It's a step up from accident-only cover, covers between 70% and 100% of eligble vet bills and usually comes with very similar features to comprehensive pet insurance.

However, the amount you can claim per year is generally lower than comprehensive cover – meaning policies are often a little cheaper.

Not all insurers distinguish between accident and illness pet insurance and comprehensive cover.

What does accident and illness pet insurance cover?

Ambulance vehicle with pet paw on the front


This can cover vet bills caused by accidents that are someone else's fault, such as a car accident or allergic reaction to a snake bite. For example, if your dog gets injured in a fight with another animal and the vet bill comes to $500, pet insurance can generally cover between 80% and 100% of the costs.

Vet building with pet paw on the front


This can cover vet bills associated with illnesses your pet might get, including cancer, skin, eye and ear conditions, and gastrointestinal problems. For example, if your pet needs surgery for cancer treatment costing ​​$3,500, the average pet insurance policy could pay you $2,800.

Here's a breakdown of what accident and illness pet insurance includes

Most accident and illness policies will cover you for the following:

  • Bone fractures
  • Snake bite toxicity
  • A traumatic ligament or tendon injury
  • A bite or fight wound
  • Lacerations
  • Cruciate ligament conditions
  • Cancer treatment
  • Skin conditions
  • Eye and ear conditions
  • Ingestion of a foreign object
  • Gastrointestinal problems
  • Hereditary and congenital conditions (but not pre-existing conditions)

Additional benefits of accident and illness pet insurance

Many comprehensive accident and illness insurance policies also come with the following inclusions:

Emergency boarding. If you're the pet's sole carer and you need to go to hospital for more than 5 consecutive days, a comprehensive policy can cover emergency boarding costs for your pet.

Essential euthanasia. No pet owner wants to think about this, but in certain circumstances, it's the most humane thing to do. Many accident and illness policies can cover the costs.

Paralysis tick benefit. If your pet needs treatment for tick paralysis, many accident and illness policies can pay at least $1,000 towards the costs.

Travel insurance. If you take your pet with you when you travel and they get sick or injured, many policies can cover overseas vet treatment for up to 60 days.

Routine care. This is usually an optional benefit that can be added on to comprehensive policies. It can help pay for preventative health care procedures including vaccinations, dental care and vet check-ups.

How much does accident and illness pet insurance cost?

Accident and illness pet insurance is likely to cost you between $20 and $60 per month, according to Finder research.

We received quotes for the 560 dog breeds available in Australia and found that you're likely to pay around $780 per year for accident and illness cover.

However, there are several factors that impact the cost of accident and illness pet insurance. These include:

Breed. This is likely to be a factor for insuring dogs, not cats. Purebred or pedigree dogs are often more expensive to insure as they have more breed-related inherited conditions.

Adopted pets. If your pet is from a shelter, you may not know all the details about their age, breed or health. Before taking out insurance, make sure you take your pet to the vet for a full check-up and ask them about any health problems they may be likely to develop.

Age. Many pet insurance companies will charge an extra fee for insuring older animals as they are more likely to develop health issues. Some companies do not insure pets at all if they are beyond a certain age, usually around 9 years old. Most policies allow you to insure pets as young as 8 weeks old.

Your questions about accident and illness pet insurance answered

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