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Comprehensive Pet Insurance

All 14 of these comprehensive pet insurance plans cover accidents and illnesses. Compare claim limits, reimbursements and discounts side by side.

Budget Direct Pet Insurance

Apply online for 15% off your first year. T&Cs apply

  • $12,000 annual benefit
  • Accidental injury and illness cover
  • Your choice of vet
Get quote
*T&Cs apply. Visit our website for more details.
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Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Pet Insurance
$1,500
$12,000
80%
80%
Apply online and get 15% off your first year’s premium. T&Cs apply.
PD Deluxe Plan
$15,000
$15,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
Get 16% off your first year. Sign up and use promo code SAVE16 by 14 Sep 2022. T&Cs apply.
Coles Comprehensive Cover
Specified illnesses only
$2,500
$12,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Vets Choice Elite Cover
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Woolworths Comprehensive Cover
$2,000
$24,000
80%
80%
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Pay the gap and claim on the spot with GapOnly. Pricebeat is available for similar policies. T&C's apply.
Kogan Pet Luxury Cover
$2,000
$15,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
80%
Extra benefits such as overseas cover for your pet, plus an optional routine care add-on.
Guardian Platinum Accident & Illness Cover
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Real Premium Accident & Illness Cover
$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
$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.
Petsy Top Cover
$25,000
$25,000
90%
90%
Enjoy 5% off your first year of pet insurance.
PetsOnMe Deluxe Plan
$15,000
$15,000
100%
100%
Get 2 months free if your pet is between 6-52 weeks old, or 1 month free if your pet is over 1 year old. T&Cs apply.
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Compare up to 4 providers

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.

What cover does comprehensive pet insurance provide?

Comprehensive policies will generally cover:

Pet hospital

Accident cover

Helps cover vet fees relating to physical injuries, such as electrocution, broken bones, fractures and snake bites.

Vaccine

Illness cover

Reimburses you for vet bills up to the limits and chosen reimbursement percentage of your policy, except for certain conditions that are specifically excluded.

Dog checkup

Routine care allowance

Usually an optional add-on, routine care provides benefits to spend on routine care expenses, such as microchipping, desexing and teeth cleaning.

Pet care

Additional benefits

Gives your pet emergency boarding cover, overseas pet cover, tick paralysis benefits and can cover the cost of essential, humane euthanasia.

What to look for in a comprehensive pet insurance policy

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 to choose the pet policy that's right for you.

  • What does it cover? It's usually clear whether a plan has both accident and illness cover, but you'll need to look for some of the less common additions such as dental cover, and check the exclusions.
  • How much does it reimburse you? Pet insurance policies reimburse you a certain percentage of medical costs. The standard amount for comprehensive cover is 80%, but it's possible to find policies that go all the way up to 100% reimbursement for a higher premium.
  • What's the annual limit? The annual limit is the total amount you can claim per year. Comprehensive plans typically provide around $15,000 of cover, but it's possible to find higher limits up to $20,000. Sub-limits also typically apply to specific conditions, such as cruciate ligament claims.

How much will comprehensive pet insurance cost?

Here's an example of how much comprehensive cover for your pet could cost you from a leading insurer:

Cover TypeBreedAgeAnnual Premium
Premium Accident and Illness CoverLabrador5$1095

However, prices will differ based on a number of factors. These include:

  • Age of your pet. This makes a significant difference as older animals are more susceptible to a range of health issues, which translates to higher premiums.
  • Breed. Some breeds are more at risk for specific health issues.
  • Size. Larger breeds of dog, for example, will cost more to feed and require more exercise than smaller breeds, so they usually attract higher premiums.

Your policy options also affect premiums, such as:

  • The excess. As with other forms of insurance, pet plans typically require you to pay an excess when making a claim. You can opt for a higher excess to reduce premiums or select a $0 excess to avoid it entirely. If you select a lower excess, you will have to pay more in premiums.
  • Your chosen reimbursement. Many policies give you a range of options and let you select your own reimbursement amount up to a specific cap, such as 80%.
  • Multi-pet discounts.Many providers will give discounts based on multiple animals insured with them.
  • Your payment plan. Some insurers will let you pay premiums monthly, fortnightly or annually, with a discount for those who make annual payments.

Get a better deal on pet insurance

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