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) | |
---|---|---|
![]() | $578.77 | Get quote |
![]() | $812.63 | Get quote |
![]() | $650.15 | Get quote |
![]() | $455.35 | Get quote |
![]() | $679.91 | Get quote |
![]() | $637.11 | Get quote |
![]() | $416.94 | Get quote |
![]() | $583.99 | Get quote |
![]() | $693.40 | Get quote |
![]() | $537.13 | More info |
![]() | $598.80 | More info |
![]() | $641.16 | More info |
![]() | $798.49 | More info |
![]() | $864.54 | More info |
![]() | $814.00 | More info |
![]() | $873.74 | More info |
![]() | $808.98 | More info |
![]() | $1,335.50 | More info |
![]() | $1,345.38 | More info |
Compare dog insurance policies
Breed | Accident 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 |
Breed | Accident 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
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) | |
---|---|---|
![]() | $518.66 | Get quote |
![]() | $742.46 | Get quote |
![]() | $430.92 | Get quote |
![]() | $310.94 | Get quote |
![]() | $568.70 | Get quote |
![]() | $532.76 | Get quote |
![]() | $259.87 | Get quote |
![]() | $398.27 | Get quote |
![]() | $579.84 | Get quote |
![]() | $297.23 | More info |
![]() | $398.19 | More info |
![]() | $447.45 | More info |
![]() | $522.42 | More info |
![]() | $518.36 | More info |
![]() | $687.59 | More info |
![]() | $591.95 | More info |
![]() | $702.42 | More info |
![]() | $877.54 | More info |
![]() | $887.34 | More info |
Compare cat insurance policies
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 |
---|---|
Multiple fractures | $2,066.31 |
Cancer | $3,503.74 |
Gastroenteritis | $1,319.65 |
Tick paralysis | $1,156.87 |
Snake bite | $2,133.31 |
Pneumonia | $1,610.57 |
Arthritis | $688 |
Diabetes | $1,952.39 |
Ear infection | $883.38 |
Cataracts | $1,755.15 |
Dermatitis | $832.71 |
Urinary tract infection | $814.49 |
PetSure claims data (June 2018-July 2019), from RSPCA
Store | Discount | |
---|---|---|
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Exclusive
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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. Last verified |
Exclusive
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. Last verified |
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Exclusive
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30% off your first month of pet insurance Includes a custom pet tag. T&Cs apply. Last verified |
Exclusive
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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 |
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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 |
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Exclusive
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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 |
Exclusive
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1st month free + $10 credit Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply. Last verified |
Deal ends |
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First month free Get 1 month free for the first year of new policies, applied across the year. Last verified |
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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 |
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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 |
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10% off if you're over 50 If you're over 50 years old, get 10% off your policy. Last verified |
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.
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.
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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Get cover that works for your pet and your budget.
Want to save on pet insurance? Here's how.
How much does it cost to insure a dog in Australia?
Protect your beloved pet with these value selections.
What is the best cover for an 8 year old Labradoodle Desexed?
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!
Cheers,
Jeni
What is the best policy for a small Tibetan Spaniel. 6 months old.
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,
Richard
What is the annual health insurance cost for a small pomeranian dog.
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,
Richard