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Think of all the medical treatment you need throughout your life: check-ups, medications, X-rays, surgery. Our pets aren't much different. And since they're not eligible for Medicare, those costs can add up quickly. Comprehensive pet insurance covers accidents and illnesses and can also help out with the little stuff like vaccines, worming and teeth cleaning.
Protect your furry friend while supporting Guide Dogs Australia.
Comprehensive policies will generally cover the following:
One insurer’s comprehensive policy might be equivalent to a mid-level policy from a different insurer. You’ll need to look at a few specific factors when choosing the pet policy that’s right for you.
A number of factors affect the cost of a pet insurance policy. The age of your pet makes a significant difference as older animals are more susceptible to a range of health issues, which translates to higher premiums with age. Certain breeds are also more at risk of specific health issues and will also grow up to be very different from each other. Larger breeds of dog, for example, will cost more to feed and house than others and usually also attract higher premiums.
Your policy options also affect premiums.
The example below provides an example quote from a known pet insurer:
| Cover Type | Breed | Age | Annual Premium |
|---|---|---|---|
| Premium Accident and Illness Cover | Labrador | 5 | $1095 |
Disclaimer: Please note that this example should only be viewed as a guide for what you may expect to pay for a comprehensive policy.
You can use the above options to help tailor your policy’s costs to suit your needs, but it’s also a good idea to consider other ways of reducing costs.
The complex nature of animal health needs and the differences between policies mean it’s often a good idea to consult your vet before deciding on any one option. Where possible, you should do this before your puppy or kitten is eight weeks old, so you’re ready to find cover as soon as you can.
It’s often worth getting quotes from multiple insurers and checking how to customise a policy in line with your vet’s recommendations. This will help you to find the highest level of cover available and make sure you and your pet enjoy your time together to the fullest.
| Amount reimbursed | Annual limits | Accident and illness cover | Optional dental cover available | Routine care available | Get a quote | |
|---|---|---|---|---|---|---|
| Pet Insurance Australia | Up to 80% | $15,145 |
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| Bow Wow Meow | Up to 80% | Choice of $8,000 or $12,000 |
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| Woolworths | Up to 80% | $12,000 |
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| RSPCA | Up to 80% | $20,000 |
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