Compare pet insurance

Know what to look for in pet insurance so you can find the policy that matches your pet's needs.

With pet insurance, you can get the majority of your veterinary bills reimbursed, and also consider cover for other expenses such as neutering, regular check-ups and even council registration fees with certain plans.

As developments in medical technology move into veterinary science, our animals are living longer but costing more. A pet insurance plan means that you can give your pet the medical care it needs. It’s an important type of cover, and when things go wrong it easily delivers value for money.

Compare policies available from Australian brands

Details Features
Major Medical Cover
Major Medical Cover
Reimburses 80% of veterinary treatment related to Accidental Injury and Illness.
  • $15,000 annual benefit limit
  • 80% of vet bill covered subject to terms and conditions
  • $1200 emergency boarding fees per year
  • 5% discount for each additional pet insured up to 15%
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Comprehensive Cover
Comprehensive Cover
Price Beat guarantee on comparable pet insurance policies.
  • Accidental Injury and Illness Cover Plus Routine Care
  • $12,000 annual benefit limit
  • $1,500 annual tick paralysis benefit
  • Up to $1,200 emergency boarding fees
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Ultimate Cover (Accident & Illness)
Ultimate Cover (Accident & Illness)
Get up to $11,000 cover every year on eligible bills. Benefit from a 10% multi-pet discount.
  • $11,000 annual claim limit
  • Up to 80% of eligible vet bills back*
  • No excess
  • Premiums go towards supporting the RSPCA
  • Optional routine care cover
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Premium Accident & Illness Cover
Premium Accident & Illness Cover
Get 10% of the premiums you’ve paid back after the first 12 months with The Real Reward.
  • $12,000 annual claim limit
  • Up to 80% of vet bill covered subject to terms and conditions
  • Take your pet to any licensed vet practice in Australia
  • Optional routine care benefit
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Comprehensive Plan
Comprehensive Plan
FREE engraved ID tag for all new policy holders
  • $8,000 or $12,000 annual benefit limit
  • Up to 80% of vet bill covered
  • Excess of $0, $100 or $200 per each unrelated condition
  • Optional Routine Care Cover
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 Premium Care
Premium Care
Helps support Guide Dogs Australia.
  • $20,000 annual benefit limit; covering accident and illness
  • Up to 85% of eligible vet bills covered
  • Excess options: $0 or $50
  • $1 million of Third Party Liability Cover – for Registered Guide Dogs only
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Sovereign Accident & Illness Cover
Sovereign Accident & Illness Cover
With every additional pet, you get a 10% discount. Offers optional coverage for routine care.
  • Cover up to 85% of eligible vet bills*
  • Claim up to 14,000 per year
  • Optional routine care
  • No excess
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Gold Accident and Illness
Gold Accident and Illness
With no joining fee and no excess to pay, it’s affordable protection for your four-legged friend.
  • Cover up to 75% of eligible vet bills*
  • Maximum claim of $12,000 per year
  • You’re free to choose any licenced vet in Australia
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Accident and Illness Cover
Accident and Illness Cover
Cover 75% - 85% of your veterinary treatment costs up to $12,000. Multi-pet discount up to 10%.
  • Annual limit up to $12,000
  • $500 tick paralysis treatment cover
  • 10% multi-pet discount
  • $300 in consultations covered per annum
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Is pet insurance worth it?

The cost of vet fees is largely down to luck. The same medical condition might have a straightforward solution or might be exceptionally complicated as can be seen in the following statistics taken from Hollard Insurance in 2014:

  • The average cost of a pet ear infection claim was $234, while the highest was $8,780
  • The average diabetes claim was $1,626, but the highest was almost $17,000.

These costs are enough to give anyone pause. The good news is that there are plans available to suit most people, and you can customise your policy to make sure it fits your budget, although they do tend to get more expensive with age, depending on the animal.

How to compare pet insurance plans

There are generally three different types of cover available:

Accident-only pet insurance. This insurance covers medical costs resulting from accidents. Generally, this type of cover refers to specific causes as well as certain types of injury.

  • Motor vehicle accidents
  • Burns
  • Electrocution
  • Allergic reactions to insect bites other than fleas or ticks
  • Bone fractures
  • Snake bite toxicity
  • Traumatic ligament or tendon injuries
  • Bite or fight wounds
  • Lacerations, cuts, scratches and abrasions caused by external physical forces

Illness cover. This cover can pay for the medical costs of illnesses and diseases. Generally, this will cover all diseases and illnesses except for those which the policy specifically excludes.

Comprehensive policies tend to include both forms of cover.

More affordable basic policies might be accident-only or might include both types of cover but with lower limits and certain other differences.

Some policies will automatically include routine care extras and additional benefits or will let you optionally select them.

  • Routine care extras. This cover reimburses a certain amount per year for pet ownership expenses such as neutering, microchipping and other expenses.
  • Additional benefits: Most policies include these and can help cover the costs of emergency boarding, essential euthanasia, certain paralysis tick expenses and overseas pet insurance for when your pet is outside of Australia.

How much can I get reimbursed per year?

Different plans will reimburse you for different amounts. All policies have an annual limit. This varies, but is generally around $5,000 for basic accident-only cover, $10,000 for standard accident and illness cover, and can be over $15,000 with comprehensive policies.

Sub-limits may apply to certain conditions. Cruciate ligament ailments, for example, are a common problem in dogs and policies will generally have a special cruciate ligament sub-limit of $2,000 to $3,000 per year.

What percentage of vet fees is covered?

In Australia, most plans will reimburse you for between 70 to 80% of vet bills, but it is possible to find policies which fully cover 100% of vet bills, up to the annual limit of the policy.

What’s the excess?

Just like car insurance, an excess will often apply. Unlike car insurance, however, you have a lot of freedom to choose your own. You can opt for a $0 excess at the cost of higher premiums or a $100 or $200 excess for lower premiums.

Is my pet covered for life?

It’s important to check whether a policy gives you lifetime cover for your pet. Most medical costs tend to increase with age, and the older your pet is, chances are the more you’ll be using your policy. Also, most insurers won’t let you take out a new policy on pets more than nine years old.

Instead, you can get lifetime cover, no matter how old the animal is, by picking a policy that comes with guaranteed renewability. This means that as long as you get it before the age of nine and maintain your policy, you’ll have pet insurance cover no matter how old your pet is.

Are there exclusions?

Exclusions are circumstances where an insurer will not pay a claim. You will find the following exclusions in almost all pet insurance policies, but it’s essential that you go through the insurance policy to look for any others.

  • Pre-existing conditions. Pre-existing conditions are typically not covered, but you may be able to arrange special coverage with your insurer for an extra cost.
  • Entry age. Most insurers will not cover pets younger than eight weeks, and you typically can’t take out a new policy on pets more than nine years old.
  • Make sure you vaccinate. Vaccinations ward off many preventable diseases. Most insurers will not cover unvaccinated pets for conditions that are preventable.
  • Take reasonable care. If you fail to take reasonable steps to look after your pet, your insurer has the right to reject your claim. For example, if you keep your dog in an unfenced yard right next to a busy road, you might not be covered if your pet gets hit by a car. You are also generally required to follow your vet’s advice and otherwise properly care for your pet.
  • Breeding. Many policies exclude all conditions related to breeding and pregnancy.

Compare comprehensive pet insurance policies on finder

Get a high level of cover for accidents, illnesses, routine care costs and additional benefits.

Annual limitPercent reimbursedExcessLifetime coverExtras
Woolworths$12,000Up to 80%$0, $100 or $200Renewal guaranteeRoutine care and additional benefits included
Pet Insurance Australia$15,145Up to 80%$0, $100 or $200Renewal guaranteeRoutine care and additional benefits included
RSPCA$11,000Up to 80%$0Renewal guaranteeAdditional benefits, optional routine care
Bow Wow MeowChoice of $8,000 or $12,000Up to 80%$0, $100 or $200 or $500Renewal guaranteeAdditional benefits, optional routine care

Compare basic pet insurance policies on finder

An affordable basic policy can help you save while still giving you a range of options.

Cover typesAnnual limitPercent reimbursedExcessLifetime coverExtras
WoolworthsAccident and illness$5,000Up to 80%$0, $100 or $200Renewal guaranteeAdditional benefits
Pet Insurance AustraliaAccident only$8,000Up to 80%$0, $100 or $200Renewal guaranteeAdditional benefits
RSPCAAccident only$7,000Up to 80%$0Renewal guaranteeAdditional benefits, optional routine care

Bow Wow Meow
Accident onlyChoice of $8,000 or $12,000Up to 80%$0, $100 or $200 or $500Renewal guaranteeAdditional benefits

How to compare pet insurance costs

Your initial quote is just the beginning, and there are other ways to change the cost of your policy.

  • Change your excess: A lower excess isn’t always preferable because it translates into higher premiums. Similarly, a high excess can get you lower premiums.
  • Use routine care: When utilised to its fullest extent, the routine care extra could help you save a bit more money every year and keep your vet bills down.
  • Take good care of your friend: This means exercising, playing, grooming and making sure you have a happy dog or cat.
  • Use discounts: Finding discounts is an easy and effective way of spending less on pet insurance.

It’s important to compare a wide range of different policies and to get quotes from a number of different insurers. All pet insurance policies in Australia are fairly similar, but it’s their differences which determine the one that’s right for your pet.

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2 Responses

  1. Default Gravatar
    wenJanuary 21, 2015

    I have adopted a dog last week, he is shown on the adoption paper indicating 9 years old, I would like to purchase him a health insurance not only covered for accidents, because our family had a 15yo dog which has heart problem, and we cannot afford his ongoing medication, which breaks my heart, so I really want my dog get covered.

    Please guide me to the right insurance company which can offer me a health and accident insurance for my dog.

    • Staff
      RichardJanuary 21, 2015Staff

      Hi Wen,

      Thanks for your question. Unfortunately, I am not aware of any insurers that insurer dogs over nine years old. To obtain pet insurance, your pet would need to be older than eight months and younger nine years old.

      I hope this was helpful,

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