Do I have to be a senior to be eligible?

No, all adults can apply for this pet insurance, but anyone aged 50 or older receives a 10% discount.

At what age can I insure my pet?

If you get a Top or Essential accident and illness policy, you can commence your policy any time after your furry friend is 8 weeks old, until its 9th birthday. For Basic accident and illness, you can insure your pet anytime after 8 weeks and before your pet's 16th birthday.

Will my pet still be covered for illness when it's more than 9 years old?

Yes, as long as you have renewed your policy continuously and there has been no break in your cover. Exclusions do apply for pre-existing conditions and specific ailments, so please consult the product disclosure statement (PDS) for details.

Can I change my policy to a higher or lower level of cover?

Yes, but several conditions apply. These include waiting until the renewal date before changing policies if you have made a claim, and if you change a higher level of cover, your illness claims will be affected by the relevant waiting periods.

Can I get a discount if I insure more than 1 pet?

Unfortunately not; the 10% discount applies only to policyholders aged 50 or older.

How soon can I submit a claim?

If you are claiming accident cover, you can do this as soon as your policy commences, in other words at 11:59pm on the day your application is accepted. Waiting period is 30 days for illnesses, tick paralysis & 6 months for cruciate ligament unless you apply to have this waived.

How do I cancel my policy?

If you decide to cancel within the 30-day cooling-off period, you will receive a full refund unless you have submitted any claims during that time. After the cooling-off period, if you cancel for any reason other than because your pet has passed away, you may be charged a cancellation fee.

Australian Seniors Pet Insurance Review

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It's good if you're over 50 - you get 10% off your policy. If you're younger, you're still eligible for cover but you won't be entitled to a discount.
Basic Accident and Illness Cover has a $2,000 paralysis tick benefit, which is higher than most policies available on Finder.
Its $12,000 annual limit isn't market-leading - it's possible to get up to $25,000 if you think you'll need that much.

Pros

Up to 80% reimbursement rate
GapOnly claims available at participating vet clinics
10% policy discount for Aussies over 50

Cons

$12,000 annual limit, which is on the lower end within the market

Compare pet insurance from Australian Seniors

Finder Score	Maximum Yearly Benefit	Paralysis Tick Yearly Sub-Limit	Reimbursement rate	Accidental Injury
8.6 Great Australian Seniors Basic Accident & Illness Cover	8.6 Great	$12,000	$2,000	60%	Discount: If you're over 50 get 10% off. T&Cs apply.	Get quote View details Compare product selectionCompare	loading
7.7 Great Australian Seniors Top Accident & Illness Cover	7.7 Great	$12,000	$1,200	80%	Discount: If you're over 50 get 10% off. T&Cs apply.	Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.	Get quote View details Compare product selectionCompare	loading
7.4 Great Australian Seniors Essential Accident & Illness Cover	7.4 Great	$12,000	$1,000	75%	Discount: If you're over 50 get 10% off. T&Cs apply.	Get quote View details Compare product selectionCompare	loading

Finder Score for pet insurance

We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.

Read the full methodology

Australian Seniors pet insurance deals

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10% off if you're over 50 If you're over 50 years old, get 10% off your policy. Get deal Get deal		loading Fetching your data...

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Why choose Australian Seniors pet insurance?

Australian Seniors pet insurance comes with a variety of thoughtful perks tailored to provide extra peace of mind for you and your companion. These include:

Seniors discount. If you're over 50 get 10% off. T&Cs apply.
GapOnly claims. Available at participating vets, this feature allows you to claim on the spot so you only pay the "gap" (the difference between the vet's invoice and your claim benefit).
In-home vet visits. To make things easier for you and your pet, the cost of a vet visiting you at home is eligible for reimbursement (sub-limits apply).
Overseas protection. Your pet is covered for eligible vet expenses while travelling with you in New Zealand or Norfolk Island.

See some prices for Australian Seniors pet insurance

To help give you an idea about costs for Australian Seniors pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.

3 of 3 results

Sample quote	Sample quote	Sample quote	Sample quote
8.6 Great Australian Seniors Basic Accident & Illness Cover	Sample quote $969.81	Sample quote $969.81	Sample quote $1,087.43	Sample quote $969.81	Get quote View details Compare product selectionCompare	loading
7.7 Great Australian Seniors Top Accident & Illness Cover	Sample quote $1,954.98	Sample quote $1,954.98	Sample quote $2,303.27	Sample quote $1,954.98	Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.	Get quote View details Compare product selectionCompare	loading
7.4 Great Australian Seniors Essential Accident & Illness Cover	Sample quote $1,801.11	Sample quote $1,801.11	Sample quote $2,128.34	Sample quote $1,801.11	Get quote View details Compare product selectionCompare	loading

Showing 3 of 3 results

Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Top Accident & Illness Cover
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011

Prices will differ based on a few criteria, including:

The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.

What isn't covered under my policy?

The following won't be covered by your policy:

Ambulance fees and any hospitalisation not deemed essential
Artificial limbs, organ transplants and prosthetics (for example, total hip replacement)
Breeding or obstetrics
Deliberate harm to your pet, caused by you or anyone living with you
Dental care, behavioural therapy and alternative therapies
Elective procedures such as declawing, and cosmetic procedures
Euthanasia necessitated by one of the conditions mentioned in the list of general exclusions
General day-to-day care, such as food, dietary advice, grooming and accessories
Illnesses that are caused by parasites other than paralysis tick
Infectious diseases specific to canines and felines, such as kennel cough or feline immunodeficiency virus (FIV)
Injury or illness arising from you neglecting to keep your pet safe, for example by minimising its access to anything hazardous it might ingest
Pre-existing and bilateral conditions
Treatment for illness or injury related to your pet being used commercially or occupationally, for example as a guard dog
You will not be eligible for a reimbursement of boarding costs if the reason you are in hospital is pregnancy, cosmetic surgery, or any ailments you knew about before your pet's cover commenced

What do I do if I need to make a claim?

You can either submit a claim online or send a paper claim form by mail, but in both cases, your claim must be received within 90 days of the treatment date, or you may be charged a late fee. If you wish to claim online, you need to sign up to the online service, and if it is your first claim, you must supply your pet's full veterinary history, as well as the adoption paperwork if it joined your family as an adult.

You then need to upload a copy of the consultation notes from your trip to the vet and the itemised invoice for any costs incurred. For paper claims, you need to print and fill out a claim form, and ask your vet to complete the relevant section. The form needs to be signed by both your vet and yourself, and you need to include all the original receipts, itemised invoices and consultation notes when you mail the form.

Frequently asked questions about Australian Seniors pet insurance

Sources

Thank you for your feedback!

To make sure you get accurate and helpful information, this guide has been edited by Moira Daniels as part of our fact-checking process.

Written by

Gary Ross Hunter

Journalist

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Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

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Gary Ross has written 522 Finder guides across topics including:

Health, home, life, car, pet and travel insurance
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Australian Seniors Pet Insurance Review

Australian Seniors pet insurance is good if you’re over 50 – you get a 10% discount – but less so if you’re younger.

Key takeaways

Pros

Cons