Comprehensive Pet Insurance

Want to protect your pet and your pocket? Comprehensive pet insurance covers up to 85% of vet bills for accidents, injuries and more.

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.

Want to protect your pet? Compare comprehensive policies

Featuring Guide Dogs Pet Insurance

Guide- Dog- Logo

Featuring Guide Dogs Pet Insurance

Protect your furry friend while supporting Guide Dogs Australia.

  • Get back up to 85% of eligible vet bills – as much as $20,000 per year
  • $3,200 cruciate ligament conditions benefit and up to $2,000 tick paralysis benefit
  • No maximum age limit for illness cover, unlike other insurers
  • Three levels of cover to choose from

Why are we highlighting this product? Guide Dogs Pet Insurance offers the highest reimbursement rate, annual benefit limit, cruciate ligament and tick paralysis benefit among the pet insurers on our site. They're also the only insurer that covers your pet for illness if it's over 9 years old. While we do get compensated by Guide Dogs Pet Insurance, this doesn't influence our recommendation.
Updated October 19th, 2019
Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Helps support Guide Dogs Australia.
Save 15% when you buy Medibank Pet Insurance before October 31. T&C's apply. Promo code: PAWSOME15
Get 2 months free when you sign up.
75% or 85%
Your pet is covered for life.
Helps support the RSPCA.
No joining fee to pay.
Pay fortnightly, monthly or yearly at no extra cost.
If you're over 50 get 10% off.
With guaranteed renewal you can protect your pet for life.

Compare up to 4 providers

What does comprehensive pet insurance cover?

Comprehensive policies will generally cover the following:

  • Accident cover. Helps cover vet fees relating to physical injuries, such as electrocution, broken bones, fractures and snake bites.
  • Illness cover. Reimburses you for all vet bills, up to the limits and chosen reimbursement percentage of your policy, except for certain conditions that are specifically excluded.
  • Routine care allowance. This is usually an optional add-on providing benefits to spend on routine care expenses, such as microchipping, neutering and teeth cleaning.
  • 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 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 when choosing the pet policy that’s right for you.

  • What does it cover? It’s usually clear whether a given plan has both accident and illness cover, but you will 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 typical amount for comprehensive cover is 80%, but it’s possible to find policies that go all the way up to 100% reimbursement, at the cost of higher premiums.
  • 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 once again it’s possible to find higher limits with select policies of up to $20,000. Sub-limits will also typically apply to specific conditions, such as cruciate ligament claims.

How much will it cost?

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.

  • Your excess. As with other forms of insurance, pet plans typically require you to pay an excess when making a claim. You can generally choose your own excess. 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. If you’re looking for cover for multiple animals, it can be a good idea to get them all from the same provider. Many providers will give discounts based on the number of animals insured with them.
  • Your payment plan. Some insurers will let you opt to pay premiums monthly, fortnightly or annually. It often costs less to opt for annual payments.

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.

How to get cheaper* comprehensive pet insurance

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.

  • Access discounts. Australia’s pet insurance market is relatively small and competitive. Many insurers extend discounts to new customers.
  • Utilise routine care. The total limits on your routine care allowance can often exceed your cost. You can save money by using its full limits each year on benefits such as teeth cleaning, which also helps your pet stay healthy and reduces the odds of it needing more expensive treatments later.
  • Keep your pet happy and healthy. Health and happiness can often go hand in hand.

Comprehensive policies available on

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
  • yes
  • no
  • yes
Woolworths Up to 80% $12,000
  • yes
  • no
  • yes
RSPCA Up to 80% $11,000
  • yes
  • no
  • yes

Compare comprehensive cover from Australian Brands

*Disclaimer: The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Ask a question
Go to site