Finder makes money from featured partners, but editorial opinions are our own.

Pet insurance in Perth

Compare your pet insurance options in Perth and around Western Australia.

Vet bills can be expensive. This is where pet insurance comes in - reimbursing between 60% and 100% of your vet costs. Compare pet insurance quotes in Perth. Plus, learn more about picking the right cover for your pet's needs.

Compare your pet insurance options in Perth

Name Product Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Pet Max Cover with Extra Care
tick
tick
$30,000
$30,000
90%
90%
⭐Finder Exclusive: Get your 1st month’s premium free when you choose Medibank Pet Insurance. Sign up using promo code FINDERONE. Offer ends 29 April 2024. T&Cs apply.
Everyday Comprehensive Plus Cover
tick
tick
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
PIA Major Medical Cover
tick
tick
$3,000
$30,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
Budget Direct Pet Insurance
tick
tick
$1,500
$12,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Coles Premium Cover
tick
tick
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
tick
tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Fetch Pet Insurance
tick
tick
$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Pet Circle Dog Cover
tick
tick
$10K or $17.5K or $30K
$0
70% or 80% or 90%
70% or 80% or 90%
Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
Vets Choice Elite Cover
tick
tick
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Guardian Platinum Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Petsy Custom Cover
tick
tick
$5000 or $10,000 or $25,000
$0
80% or 90%
80% or 90%
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
Real Premium Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Ultimate Plus Accident and Illness Cover
tick
tick
$20,000
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Australian Seniors Top Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
tick
tick
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
loading

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

Finder survey: Did Australians buy a pet during COVID?

Response
No84.94%
Yes15.06%
Source: Finder survey by Pure Profile of 1009 Australians, December 2023

How does pet insurance work?

There are three types of cover to choose from:

  • Accident only. This type of basic pet insurance only covers accidental injuries.
  • Accident and illness. This is a more comprehensive type of cover that can help in the event of injuries as well as illnesses.
  • Comprehensive. The highest level of pet insurance can cover accidental injuries and illnesses, including routine care costs and other situations such as kennelling - if you have to go to hospital and no one can take care of your furry friend.

When you compare pet insurance options around Western Australia, you’ll also encounter some other differences, such as:

  • Percentage of costs covered. At the upper end, pet insurance policies might cover 80% of a vet bill, although many will cover less, and a few might even cover more. Compare reimbursement rates here.
  • Annual limits. At a higher level of cover, insurers can pay over $15,000 in a 12-month period for required vet bills. Accident only policies, and more basic cover might only pay out $5,000 a year or less.
  • Cheapest pet insurance in Perth. Is most likely going to be a low limits, accident only policy. That doesn't mean it's the best though, as your pet won't be covered for common illnesses and injuries that can happen.

Keep in mind: Illness cover can be exceptionally important. Vet bills can accumulate to $10,000 in some situations, so higher limits can be important.

How much does pet insurance cost in Western Australia?

The cost of pet insurance varies depending on a range of factors.

  • What kind of cover you get. Comprehensive cover is typically more expensive, but your pet is covered for more.
  • Age. Older pets are more likely to encounter illnesses or other incidents, so premiums will be higher than a younger pet.
  • Breed and gender. Different breeds of dogs and cats have different health needs and temperament, while gender can also have similar effects.
  • Size. As a general rule of thumb, larger pets are more expensive to insure, including being more expensive all around.
  • Whether your dog is desexed. If you want to lower your premiums, you probably want to desex or neuter your pet. This can remove the chance of certain health issues, and greatly decrease the risk of others. It can also help tone down a pet's tendency to engage in more aggressive behaviours.
  • Have a dog? Find out how much pet insurance costs for each breed.

  • Location. Insurers will often ask for your postcode in order to assess the odds of a pet being hit by a car. Pet insurance in regional WA might come with lower premiums due to the reduced traffic, but might have higher premiums due the potential dangers posed by kangaroos, snakes and more.

Is pet insurance worth it in Perth?

There are no guarantees, but like any other insurance, if you do need it you'll definitely be glad to have it.

Keep in mind that even a fairly common injury to your pet such as a broken leg, could cost you up to thousands of dollars in vet bills. Having the "bill smoothing" effect of pet insurance can make it a lot more affordable and easier to pay, even if you do end up paying more in premiums than you save.

In the long run, you might be more likely to get value for money than it would initially appear.

Consider the usual costs of pet insurance in Perth 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 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
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 a snake bite is $2,000, but in severe cases treatment could cost well over $10,000.


Is insurance worth it to cover vet fees?

Over the next ten years someone might pay $7,000 for comprehensive cover. During that time they might only claim a few hundred dollars in vet fees, or over $30,000.

It’s largely down to luck, but you might also consider your pet’s individual factors.

  • Is your pet energetic? Just like pro athletes, activity can take a toll over time. High energy breeds of dog, or just energetic personalities, might be more likely to need a range of treatments in later years. You might claim nothing for 5 years, after which a range of health issues might emerge quickly.
  • What’s your pet’s personality? Does it get into fights with other animals? Does it like eating things it shouldn’t? Is it going to try to make friends with a venomous spider?
  • How’s your pet’s general health? Just like people, individual animals might also run into their own health issues. It can be a good idea to take out cover before health issues become pre-existing conditions.

Generally, the older your pet, the more likely it is that pet insurance will be worth it, even though it costs more. Think about getting pet insurance before you need it, on account of:

  • Pre-existing conditions. If you only take out pet insurance after your pet has developed chronic health issues, these might not be covered. There’s generally a minimum age of 8 weeks before you can take out pet insurance, so there’s a little time for the pet’s personal health situation to become clear to insurers.
  • Age limits. The maximum age at which you can take out cover is generally 9. However, if you take out a lifetime pet insurance policy before then, you can maintain cover no matter the pet’s age.

Are there any exclusions to be aware of?

Pet insurance has a range of general and specific exclusions, just like other forms of insurance. In Western Australia and elsewhere, some of the conditions to watch out for include:

  • Dental exclusions. Not all policies will pay for pet dentistry for issues such as gingivitis.
  • Pre-existing conditions. These are conditions that were apparent prior to taking out cover. They are typically not covered.
  • Infectious diseases and parasites. Specific preventable and infectious diseases are frequently excluded, particularly when a vaccine can prevent it.
  • Occupational use. You may not be covered for injuries your pet sustains while hunting or otherwise working. Guide dogs and assistance animals are exempt from this rule.
  • Breeding and pregnancy. You are typically not covered for illnesses or injuries resulting from a dog being used for breeding purposes, or sustained as a result of pregnancy or giving birth.

Insurers may also decline claims if they are the result of your breaching local council or state pet ownership laws.

Laws for pet owners in WA

  • All cats and dogs in WA, unless exempt, are required to be microchipped by 6 months of age and registered with the appropriate local council.
  • In a public place, your cat or dog must also be wearing a collar and displaying a registration tag.
  • Dog owners are required to keep their dogs under appropriate control at all times, either with a securely fenced enclosure, or by handling it in a suitable way. Excessive barking may constitute a public nuisance, and pet owners may be fined.
  • In many local council areas, you will be legally required to pick up droppings.
  • Pet owners are also generally required to make sure their pet is well looked after, with appropriate veterinary care, food, water and appropriate shelter.
  • Certain breeds of dog are prohibited or restricted, but any dog might be declared restricted by an appropriate authority. Ownership of these dogs carries additional obligations.
  • In some situations, councils may also set up “no cat” zones for the protection of local wildlife.
  • The person caring for a pet, whether the owner or just a temporary carer, is responsible for ensuring that all laws are being appropriately followed.

What insurers can I access in Western Australia?

Whether you're after pet insurance in Perth or regional Western Australia, there are a range of different insurers that offer pet cover. Compare quotes and check out some of the different options to find the cover that’s right for you.

Why you can trust Finder's pet insurance experts

free

We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
independent

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
help

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Learn more

More guides on Finder

  • Cruciate ligament in dogs

    Worried that your dog has a cruciate ligament injury? This guide covers what cruciate ligament is, your options for treatment, and how much can be covered by different pet insurance brands.

  • Diabetes in dogs

    Your ultimate guide to diabetes in dogs, including its causes, symptoms, treatment and insurance options.

  • Pet insurance South Australia

    Learn what South Australians should be looking for in a pet insurance policy.

Ask a Question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site