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
Compare other products
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
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.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
Need better pet insurance?
Take our easy quiz and find a better deal.
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.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
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
No, all adults can apply for this pet insurance, but anyone aged 50 or older receives a 10% discount.
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.
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.
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.
Unfortunately not; the 10% discount applies only to policyholders aged 50 or older.
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.
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.
Sources
Was this content helpful to you?
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.
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
Gary Ross's expertise
Gary Ross
has written
558
Finder guides across topics including:
Find out what each of the 3 levels of pet insurance from Everyday covers.
Important information about this website
Finder is a comparison service. We do not compare every product or every provider in the market.
We make money through commercial arrangements with some of the providers on this site. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement.
Our editorial content, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements.
The default order of products in our tables can be influenced by commercial arrangements. You can re-sort or filter using the controls above each table.
Some content on this site may be generated or supported by AI tools. You should verify details directly with the provider.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with.
Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below.
Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer.
We earn revenue from Finder in four principal ways:
Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer.
Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices.
Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers.
Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such.
Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances.
If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us.
When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such.
Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product.
You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements.
Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
