What you need to know
- Comprehensive pet insurance costs between $81 and $120 a month, according to our research.
- Some breeds tend to cost much more because of hereditary conditions.
- Pet insurance costs tend to increase as your pet gets older.
To help you find a cheap pet insurance policy, we calculated the average yearly cost of 23 pet insurance policies. Prices are based on 87 quotes using multiple different dog profiles, varying from small young male dogs to large older female dogs. All policies cover accidents and illnesses but the cheaper policies tend to come with lower annual benefits and reimbursement rates.
|Provider||Average Annual Price (Dog)|
|Breed||Accident and illness annual premium|
|Jack Russell Terrier Cross||$847|
|Miniature Fox Terrier Cross||$867|
|Poodle - Toy Cross||$872|
|Border Terrier Cross||$882|
|Breed||Accident and Illness Annual Premium|
|Dogue De Bordeaux||$2,218|
|Swiss Mountain Dog||$2,272|
|Australian Bulldog Miniature||$2,374|
Here's a breakdown of some cheap pet insurance policies for cats. We calculated the average yearly cost of 23 accident and illness pet insurance policies. 78 quotes were collected in October 2022 based on multiple different cat profiles, varying from small young female cats to large older male cats. All policies cover accidents and illnesses but the cheaper policies tend to come with lower annual benefits and reimbursement rates.
|Provider||Average Annual Price (Cat)|
Costs for procedures can vary significantly. Comprehensive pet insurance typically covers between 80% and 100% of vet bills and lets you claim between $12,000 and $30,000 per year, depending on the policy you choose.
|Accident or illness||Average Claim Amount FY 2019|
|Urinary tract infection||$814.49|
PetSure claims data (June 2018-July 2019), from RSPCA
Medibank Pet Insurance Deals
Get your 1st month’s premium free
When you choose Medibank Pet Insurance. Sign up using this promo code. Offer ends 12 December. T&Cs apply.
Coupon code ends
Get 10% off your groceries at Woolworths
Everyday Insurance customers who scan their Everyday Rewards card can receive 10% off their Woolworths shop once per month. T&Cs apply.
Petsy Pet Insurance Deals
30% off your first month of pet insurance
Includes a custom pet tag. T&Cs apply.
Save up to 15% when you buy Budget Direct Pet Insurance online
Get 15% off on your first year’s premium when you buy online. T&Cs apply.
Get your first month free
Apply for a PD pet insurance policy online for your dog or cat and get your first month free. T&Cs apply.
Knose Pet Insurance Deals
Get 10% off your pet insurance premiums
Get 10% off of the first year. Lower prices for lower risk pets. T&Cs apply.
1st month free + $10 credit
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
First month free
Get 1 month free for the first year of new policies, applied across the year.
Get free pet insurance for the first 2 months
Get 2 months' free pet insurance when you sign up for cover with Pet Insurance Australia.
Get 10% of premiums back in the first 12 months
Receive 10% of premiums you’ve paid in the first 12 months with The Real Reward program.
10% off if you're over 50
If you're over 50 years old, get 10% off your policy.
You pay the same price as buying directly from the pet insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've reviewed over 35 policies on the market, so you don't have to.
Most pet insurance policies will only cover a maximum of 80% of your eligible vet bills, meaning you will have to pay the rest. As some policies will only cover 75% or even just 50% of your bills, you could still have to pay a whole lot of money to treat your pet.
Your policy may come with a $15,000 claim limit for each year, but come with a $1,000 sub-limit for the treatment of tick paralysis. Only a handful of insurers don't do sub-limits.
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