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How much is pet insurance?

Pet insurance costs around $80 a month – but prices differ a lot based on breed, age and the policy you get.

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.

How much does pet insurance cost for dogs?

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.

ProviderAverage Annual Price (Dog)
Budget Direct Logo$578.77Get quote
Kogan pet insurance$812.63More info
Vets Choice pet insurance$650.15Get quote
Everyday Insurance$455.35Get quote
Guardian Pet Insurance Logo$679.91Get quote
Picture not describedRSPCA pet insurance$637.11Get quote
Coles pet insurance$416.94Get quote
Pet insurance Australia$583.99Get quote
Real pet insurance$693.40Get quote
Petbarn pet insurance$537.13More info
Potiki Insurance$598.80More info
Bupa$641.16More info
Bow wow meow pet insurance$798.49More info
Petcover pet insurance$864.54More info
Guide dogs logo$814.00More info
HCF logo$873.74More info
Prime pet insurance$808.98More info
Pounce pet insurance logo$1,335.50More info

Compare dog insurance policies

Which dogs are more expensive to insure?

  • The breed and age of your dog can significantly affect the cost of your premiums.
  • It costs more to insure pups such as French Bulldogs, Australian Bulldog Miniature and Dogue De Bordeaux.
  • Border Terriers, Jack Russells and Chihuahuas are the cheapest dogs to insure.

What are the cheapest dogs to insure in Australia?

BreedAccident and illness annual premium
Maltese Cross$821
Chihuahua Cross$845
Jack Russell Terrier Cross$847
Havanese Cross$849
Pomeranian Cross$851
Miniature Fox Terrier Cross$867
Poodle - Toy Cross$872
Border Terrier Cross$882

What are the most expensive dogs to insure in Australia?

BreedAccident and Illness Annual Premium
Dogue De Bordeaux$2,218
British Bulldog$2,221
Swiss Mountain Dog$2,272
Tosa Inu$2,272
Bordeaux Mastiff$2,272
American Bulldog$2,281
French Bulldog$2,309
Australian Bulldog Miniature$2,374

View insurance prices for all dog breeds

Finder survey: How many times have Australians made a pet insurance claim?

Source: Finder survey by Pure Profile of 1009 Australians, December 2023

How much does pet insurance cost for cats?

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.

ProviderAverage Annual Price (Cat)
Budget Direct Logo$518.66Get quote
Kogan pet insurance$742.46More info
Vets Choice pet insurance$430.92Get quote
Everyday Insurance$310.94Get quote
Guardian$568.70Get quote
Picture not describedRSPCA pet insurance$532.76Get quote
Coles pet insurance$259.87Get quote
Pet insurance Australia$398.27Get quote
Real pet insurance$579.84Get quote
Petbarn pet insurance$297.23More info
Potiki Insurance$398.19More info
Bupa$447.45More info
Bow wow meow pet insurance$522.42More info
Petcover pet insurance$518.36More info
Guide dogs logo$687.59More info
HCF logo$591.95More info
Prime pet insurance$702.42More info
Pounce pet insurance logo$877.54More info

Compare cat insurance policies

How much do pet insurance claims cost?

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 illnessAverage Claim Amount FY 2019
Multiple fractures$2,066.31
Tick paralysis$1,156.87
Snake bite$2,133.31
Ear infection$883.38
Urinary tract infection$814.49

PetSure claims data (June 2018-July 2019), from RSPCA

Save on pet insurance with these deals

Store Discount

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.

Last verified

30% off your first month of pet insurance

Includes a custom pet tag. T&Cs apply.

Last verified


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.

Last verified

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.

Last verified

Get 10% off your pet insurance premiums

Get 10% off of the first year. Lower prices for lower risk pets. T&Cs apply.

Last verified


First month free

Get 1 month free for the first year of new policies, applied across the year.

Last verified

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.

Last verified

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.

Last verified

10% off if you're over 50

If you're over 50 years old, get 10% off your policy.

Last verified

Get 2 months free

When you sign up using the code PCI2FREE. T&Cs apply.

Last verified

Why compare pet insurance with Finder?

  • 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.

What impacts pet insurance costs?

Both the pet and the policy determine the cost of insurance. Generally, the more health risks your pet has, and the more extras you have, the higher your premiums. Some factors to bear in mind include the following:
  • Species. Dogs typically cost more than cats.
  • Breed. Breeds with an increased likelihood of congenital illnesses, or other risk factors, will generally cost more to insure. Purebreds are generally more expensive to insure, and some providers may not offer cover for certain breeds.
  • Age. The older your pet, the more it will typically cost to insure. This is also reflected in premiums that tend to increase over time.
  • Sex. Male and female pets have different health risks.
  • Size. Larger animals cost more to house, feed and care for. As a result, they have commensurately higher insurance costs.
  • Veterinary history. Your pet’s medical history makes a significant difference. If your pet has already been vaccinated, for example, then you might get lower prices. Conversely, pre-existing conditions and signs of future medical problems can raise the cost and affect your cover.

What to look for when reviewing pet insurance costs

Number 1

Types of cover available

You can often choose between 3 types of policies: accident-only cover, accident and illness cover or a comprehensive policy. The latter covers accidents and illnesses but comes with higher limits and some extra features.

Number 2


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.

Number 3

Limits and sub-limits

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.

Why you can trust Finder's pet insurance experts


We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

More guides on Finder

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6 Responses

    Default Gravatar
    JudyFebruary 20, 2019

    What is the best cover for an 8 year old Labradoodle Desexed?

      JeniFebruary 21, 2019Finder

      Hi Judy,

      Thank you for getting in touch with Finder.

      Kindly check out this page to start comparing your insurance options for your pet Labradoodle. You may compare insurers by looking at the features column of the table. I suggest that you select the ones that say no maximum age limit for illness cover.

      According to our pet insurance review page, insurance for younger dogs and cats is easy enough to find. Due to the high likelihood of illness, you’ll find that most funds won’t cover older pets in their comprehensive plans. However, many funds cover senior pets under their more “basic” levels of cover.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    MaryApril 16, 2015

    What is the best policy for a small Tibetan Spaniel. 6 months old.

      RichardApril 16, 2015Finder

      Hi Mary,

      Thanks for your question.

      Currently, we only have one pet insurer in our panel, Woolworths Pet Insurance. The good news is, they do provide cover for Tibetan Spaniels. Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      I hope this was helpful,

    Default Gravatar
    angelaJanuary 13, 2015

    What is the annual health insurance cost for a small pomeranian dog.

      RichardJanuary 14, 2015Finder

      Hi Angela,

      Thanks for your question. If you would like to receive a quote for pet insurance, please refer to our Woolworths Pet insurance comparison table.

      I hope this was helpful,

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