Can I add a dog to my pet insurance?

Yes, most pet insurance policies allow you to add a new dog to an existing policy. You may also be able to bundle multiple pets under the same plan, which could offer savings on your premiums .

What is the cheapest pet insurance?

The cheapest pet insurance typically offers basic coverage for accidents and illnesses. Policies for younger, healthier pets tend to be more affordable. Consider comparing plans to find a policy that meets your needs and budget.

Pet insurance costs for dogs explained

Cost breakdown for different breeds Compare prices

Every dog breed is unique and wonderful - and every breed costs a different amount to insure!
A Maltese Cross is typically the cheapest dog to insure ($956), according to our research.
At $2,766, Australian bulldog miniatures are the most expensive dogs to insure on average.

How much does pet insurance cost?

How much you pay for pet insurance in Australia depends on a number of things, including the type & level of cover you want as well as the type of pet you want to insure.

Just like your age and traits affect your personal insurance costs, your pet's characteristics will also affect their insurance premiums. Here are some of the key factors that affect pet insurance premiums:

Age

Premiums usually increase with your dog's age, especially for illness cover.

Breed

Different breeds have different risk levels. Large dogs for example are typically more at risk of cruciate ligament injuries, while other breeds might be more susceptible to medication allergies. Pedigree breeds in particular are more susceptible to congenital health issues.

Sex

Different breeds are more susceptible to certain health risks.

Desexing

Desexing your dog can significantly lower your premiums as it reduces the risk of your dog contracting common serious illnesses and the likelihood of risky behaviour, such as running away or aggression towards other dogs.

Location

This can affect how likely your dog is to experience injuries, such as being hit by a car, as well as the typical vet fees you can run into. There's usually little regulation around how much vets can charge for their services, so you might find different prices in different places.

While veterinary fees are largely unregulated, the insurance industry is not. Your premiums are a reflection of actual risk levels, so higher premiums generally mean you're more likely to get more use out of your pet insurance.

5 cheapest breeds to insure

If you're looking for a breed of dog that won't break the bank

Maltese Cross: $956
Chihuaha Cross: $984
Jack Russell Terrier Cross: $987

Havanese Cross: $989
Pomeranian Cross: $991

5 most expensive breeds to insure

Tosa Inu: $2,647
Swiss Mountain Dog: $2,647
American Bulldog: $2,657

French Bulldog: $2,690
Australian Bulldog Miniature: $2,766

Compare pet insurance premiums by dog breed

Dog Breed	1 year old Average Accident & Illness Cost (Annual) - indexed	5 year old Average Accident & Illness Cost (Annual) - indexed
Cavoodle	$1,031	$1,347
Labrador	$1,624	$2,132
Golden Retriever	$1,442	$1,907
Maltese Cross	$956	$1,306
Staffordshire Bull Terrier	$1,415	$1,838
Border Collie	$1,156	$1,530
French Bulldog	$2,690	$3,613
German Shepherd	$1,480	$1,948
Miniature Dachshund	$1,295	$2,175
Labradoodle	$1,235	$1,674

Dog Breed	1 year old Average Accident & Illness Cost (Annual) - indexed	5 year old Average Accident & Illness Cost (Annual) - indexed
Aberdeen Terrier	$1,741	$2,412
Aberdeen Terrier Cross	$1,711	$2,424
Affenpinscher	$1,279	$1,736
Afghan Hound	$1,697	$2,253
Airedale Terrier	$1,590	$2,067
Airedale Terrier Cross	$1,454	$1,892
Akita Inu	$1,369	$1,764
Akita Inu Cross	$1,302	$1,688
Alaskan Husky	$1,249	$1,666
Alaskan Husky Cross	$1,186	$1,612
Alaskan Klee Kai	$1,422	$1,840
Alaskan Malamute	$1,989	$2,648
Alaskan Malamute Cross	$1,379	$1,820
Alsatian	$1,396	$1,849
Alsatian Cross	$1,271	$1,697
American Akita	$1,319	$1,718
American Akita Cross	$1,185	$1,545
American Bulldog	$2,657	$3,667
American Bulldog Cross	$2,417	$3,423
American Cocker Spaniel	$1,326	$1,745
American Cocker Spaniel Cross	$1,264	$1,754
American Eskimo	$1,369	$1,851
American Eskimo Cross	$1,200	$1,631
American Foxhound	$1,474	$2,045
American Foxhound Cross	$1,257	$1,760
American Pit Bull Terrier	$2,528	$3,634
American Pit Bull Terrier Cross	$2,340	$3,423
American Staffordshire Terrier	$1,481	$1,979
American Staffordshire Terrier Cross	$1,350	$1,865
American Water Spaniel	$1,353	$1,812
American Water Spaniel Cross	$1,228	$1,646
Anatolian Karabash	$1,299	$1,725
Anatolian Karabosh Cross	$1,312	$1,817
Anatolian Shepherd Dog	$1,335	$1,757
Anatolian Shepherd Dog Cross	$1,255	$1,701
Antartic Husky	$1,357	$1,877
Antartic Husky Cross	$1,309	$1,815
Australian Bulldog	$2,521	$3,412
Australian Bulldog Cross	$2,338	$3,204
Australian Bulldog Miniature	$2,766	$3,790
Australian Bulldog Miniature Cross	$2,423	$3,409
Australian Cattle Dog	$1,322	$1,718
Australian Cattle Dog Cross	$1,186	$1,574
Australian Cobberdog	$1,470	$2,034
Australian Cobberdog Cross	$1,360	$1,843
Australian Cobberdog Miniature	$1,445	$2,039
Australian Cobberdog Miniature Cross	$1,395	$1,837
Australian Heeler	$1,446	$1,989
Australian Heeler Cross	$1,325	$1,835
Australian Kelpie Sheepdog	$1,369	$1,835
Australian Kelpie Sheepdog Cross	$1,243	$1,675
Australian Koolie	$1,189	$1,551
Australian Koolie Cross	$1,241	$1,728
Australian Shepherd	$1,165	$1,590
Australian Shepherd Cross	$1,067	$1,425
Australian Silky Terrier	$1,330	$1,778
Australian Silky Terrier Cross	$1,108	$1,482
Australian Terrier	$1,367	$1,802
Australian Terrier Cross	$1,085	$1,446
Basenji	$1,258	$1,741
Basenji Cross	$1,201	$1,634
Basset Fauve De Bretagne	$2,370	$3,045
Basset Fauve De Bretagne Cross	$1,902	$2,782
Basset Hound	$1,823	$2,497
Basset Hound Cross	$1,660	$2,287
Beagle	$1,290	$1,817
Beagle Cross	$1,206	$1,637
Bearded Collie	$1,250	$1,641
Bearded Collie Cross	$1,158	$1,526
Bedlington Terrier	$1,616	$2,089
Bedlington Terrier Cross	$1,521	$1,984
Belgian Shepherd	$1,413	$1,847
Belgian Shepherd - Laekenois/Groenendael	$1,385	$1,837
Belgian Shepherd - Laekenois/Groenendael Cross	$1,339	$1,784
Belgian Shepherd - Malinois	$1,396	$1,850
Belgian Shepherd - Malinois Cross	$1,315	$1,796
Belgian Shepherd - Tervueren	$1,452	$1,962
Belgian Shepherd - Tervueren Cross	$1,305	$1,784
Belgian Shepherd Cross	$1,315	$1,809
Bernese Mountain Dog	$2,493	$3,413
Bernese Mountain Dog Cross	$2,217	$3,125
Bichon Frise	$1,215	$1,659
Bichon Frise Cross	$1,031	$1,360
Black and Tan Coonhound	$2,011	$2,845
Black and Tan Coonhound Cross	$1,682	$2,414
Black Russian Terrier	$1,848	$2,443
Black Russian Terrier Cross	$1,573	$2,107
Bloodhound	$2,131	$2,929
Bloodhound Cross	$1,840	$2,604
Blue tick Coonhound	$2,035	$2,874
Blue tick Coonhound Cross	$1,704	$2,441
Boerboel	$2,469	$3,295
Boerboel Cross	$2,462	$3,423
Bordeaux Mastiff	$2,647	$3,641
Bordeaux Mastiff Cross	$2,462	$3,423
Border Collie	$1,156	$1,530
Border Collie Cross	$1,129	$1,506
Border Terrier	$1,141	$1,492
Border Terrier Cross	$1,028	$1,378
Borzoi	$1,401	$1,858
Borzoi Cross	$1,186	$1,609
Boston Terrier	$1,673	$2,220
Boston Terrier Cross	$1,695	$2,306
Bouvier Des Flandres	$2,102	$2,818
Bouvier Des Flandres Cross	$1,640	$2,151
Boxer	$1,932	$2,534
Boxer Cross	$1,714	$2,032
Brazilian Mastiff	$2,508	$3,034
Brazilian Mastiff Cross	$2,389	$2,889
Briard	$1,336	$1,743
Briard Cross	$1,247	$1,671
British Bulldog	$2,587	$3,493
British Bulldog Cross	$2,402	$3,281
Brittany Spaniel	$1,231	$1,676
Brittany Spaniel Cross	$1,107	$1,395
Bull Arab	$1,247	$1,624
Bull Arab Cross	$1,202	$1,587
Bull Terrier	$1,906	$2,512
Bull Terrier Cross	$1,561	$2,025
Bullmastiff	$2,540	$3,401
Bullmastiff Cross	$2,116	$2,830
Cairn Terrier	$1,264	$1,681
Cairn Terrier Cross	$1,192	$1,608
Canaan Cross	$1,107	$1,513
Cane Corso	$2,442	$3,328
Cane Corso Cross	$2,195	$3,049
Cao De Serra De Aires	$1,391	$1,849
Cao De Serra De Aires Cross	$1,238	$1,659
Cardigan Corgi	$1,419	$1,940
Cardigan Corgi Cross	$1,374	$1,951
Cavalier King Charles Spaniel	$1,410	$1,885
Cavalier King Charles Spaniel Cross	$1,051	$1,384
Cavoodle	$1,031	$1,347
Central Asian Ovtcharka	$1,905	$2,543
Central Asian Ovtcharka Cross	$1,667	$2,252
Central Asian Shepherd	$1,623	$2,203
Central Asian Shepherd Cross	$1,219	$1,847
Cesky Terrier	$1,605	$2,149
Cesky Terrier Cross	$1,491	$2,084
Cheasapeake Bay Retriever	$1,449	$1,926
Cheasapeake Bay Retriever Cross	$1,363	$1,859
Chihuahua	$1,051	$1,433
Chihuahua Cross	$984	$1,305
Chinese Crested Dog	$1,201	$1,631
Chinese Crested Dog Cross	$1,113	$1,509
Chow Chow	$1,503	$1,968
Chow Chow Cross	$1,390	$1,891
Clumber Spaniel	$1,421	$1,906
Clumber Spaniel Cross	$1,383	$1,897
Cocker Spaniel	$1,297	$1,710
Cocker Spaniel Cross	$1,124	$1,494
Collie - Rough	$1,255	$1,669
Collie - Rough Cross	$1,327	$1,566
Collie - Smooth	$1,381	$1,630
Collie - Smooth Cross	$1,346	$1,609
Collie (Rough/Smooth) Cross	$1,177	$1,566
Corgi	$1,515	$2,084
Corgi Cross	$1,261	$1,696
Coton De Tulear	$1,263	$1,738
Coton De Tulear Cross	$1,145	$1,577
Curly Coated Retriever	$1,370	$1,791
Curly Coated Retriever Cross	$1,236	$1,657
Dachshund	$1,313	$2,169
Dachshund - Long Haired	$1,342	$2,365
Dachshund - Long Haired Cross	$1,248	$2,255
Dachshund - Smooth Haired	$1,342	$2,366
Dachshund - Smooth Haired Cross	$1,249	$2,258
Dachshund Cross	$1,212	$1,967
Dachshund Wire Haired	$1,294	$2,174
Dachshund Wire Haired Cross	$1,248	$2,255
Dalmatian	$1,513	$1,993
Dalmatian Cross	$1,353	$1,813
Dandie Dinmont Terrier	$1,549	$2,083
Dandie Dinmont Terrier Cross	$1,651	$2,113
Danish-Swedish Farm Dog	$1,198	$1,640
Danish-Swedish Farm Dog Cross	$1,096	$1,501
Deerhound	$2,161	$2,880
Deerhound Cross	$1,923	$2,614
Dingo	$1,158	$1,923
Dingo Cross	$1,083	$1,468
Doberman Pinscher	$2,226	$3,222
Doberman Pinscher Cross	$1,849	$2,615
Dobermann	$2,474	$3,740
Dobermann Cross	$1,510	$1,990
Dogo Argentino	#VALUE!	#VALUE!
Dogo Argentino Cross	#VALUE!	#VALUE!
Dogue De Bordeaux	$2,584	$3,452
Dogue De Bordeaux Cross	$2,219	$3,039
Drever	$1,427	$2,018
Drever Cross	$1,320	$1,793
Dutch Shepherd	$1,504	$2,026
Dutch Shepherd Cross	$1,355	$1,845
Egyptian Pharoah Hound	$1,880	$2,761
Egyptian Pharoah Hound Cross	$1,314	$1,822
Elkhound	$1,435	$1,954
Elkhound Cross	$1,152	$1,534
English Mastiff	$2,303	$3,077
English Mastiff Cross	$1,997	$2,721
English Pointer	$1,283	$1,672
English Pointer Cross	$1,164	$1,582
English Setter	$1,595	$2,097
English Setter Cross	$1,567	$2,109
English Springer Spaniel	$1,337	$1,716
English Springer Spaniel Cross	$1,220	$1,598
English Toy terrier	$1,151	$1,537
English Toy terrier Cross	$1,079	$1,478
Estrela	$2,098	$2,935
Estrela Cross	$1,886	$2,675
Field Spaniel	$1,306	$1,768
Field Spaniel Cross	$1,230	$1,715
Fila Brasileiro	#VALUE!	#VALUE!
Fila Brasileiro Cross	#VALUE!	#VALUE!
Finnish Lapphund	$1,277	$1,679
Finnish Lapphund Cross	$1,155	$1,570
Finnish Spitz	$1,187	$1,651
Finnish Spitz Cross	$1,125	$1,496
Flat Coated Retriever	$1,459	$1,914
Flat Coated Retriever Cross	$1,319	$1,759
Formosan Mountain Dog	$1,447	$1,898
Fox Hound	$1,587	$1,926
Fox Hound Cross	$1,240	$1,727
Fox Terrier Smooth	$1,115	$1,200
Fox Terrier Smooth Cross	$1,043	$1,397
Fox Terrier Wire	$1,115	$1,471
Fox Terrier Wire Cross	$1,050	$1,445
French Bulldog	$2,690	$3,613
French Bulldog Cross	$2,459	$3,348
French Poodle	$1,363	$1,808
French Poodle Cross	$1,401	$1,921
Gazelle Hound	$1,953	$2,660
Gazelle Hound Cross	$1,793	$2,443
German Hunting Terrier	$1,178	$1,563
German Koolie	$1,194	$1,619
German Koolie Cross	$1,148	$1,561
German Pinscher	$1,724	$2,364
German Pinscher Cross	$1,655	$2,379
German Schnauzer	$2,234	$3,256
German Schnauzer Cross	$1,350	$1,940
German Shepherd	$1,480	$1,948
German Shepherd Cross	$1,256	$1,659
German Short Haired Pointer	$1,356	$1,879
German Short Haired Pointer Cross	$1,195	$1,561
German Spitz	$1,215	$1,584
German Spitz Cross	$1,138	$1,449
German Wire Haired Pointer	$1,306	$1,768
German Wire Haired Pointer Cross	$1,203	$1,633
Golden Doodle (Groodle)	$1,283	$1,789
Golden Retriever	$1,442	$1,907
Golden Retriever Cross	$1,195	$1,587
Gordon Setter	$1,615	$2,120
Gordon Setter Cross	$1,595	$2,144
Grand Basset Griffon Vendeen	$1,948	$2,724
Great Dane	$2,260	$3,000
Great Dane Cross	$1,874	$2,485
Great Pyrenean	$2,364	$3,256
Great Pyrenean Cross	$2,140	$2,981
Greek Harehound	$1,679	$2,365
Greek Harehound Cross	$1,362	$1,937
Greyhound	$1,863	$2,450
Greyhound Cross	$1,245	$1,639
Greyhound Racing Dog	$2,522	$3,479
Griffon	$1,367	$1,840
Griffon Brabancon	$1,538	$2,165
Griffon Brabancon Cross	$1,390	$1,972
Griffon Bruxellois	$1,553	$2,182
Griffon Bruxellois Cross	$1,401	$2,053
Griffon Cross	$1,258	$1,700
HamiltonStovare	$1,236	$1,753
HamiltonStovare Cross	$1,202	$1,680
Harrier	$1,330	$1,852
Harrier Cross	$1,212	$1,693
Havanese	$1,083	$1,435
Havanese Cross	$989	$1,399
Hovawart	$1,840	$2,487
Hovawart Cross	$1,484	$1,972
Hungarian Kuvasz	$1,334	$1,745
Hungarian Kuvasz Cross	$1,241	$1,645
Hungarian Puli	$1,398	$1,998
Hungarian Puli Cross	$1,376	$1,916
Hungarian Vizsla	$1,841	$2,617
Hungarian Vizsla Cross	$1,676	$2,406
Huntaway	$2,010	$2,740
Huntaway Cross	$1,912	$2,589
Hygen Hound	$2,131	$2,961
Hygen Hound Cross	$1,822	$2,202
Ibizan Hound	$1,661	$2,243
Ibizan Hound Cross	$1,570	$2,050
Irish Red and White Setter	$1,702	$2,082
Irish Red and White Setter Cross	$1,584	$2,102
Irish Setter	$1,756	$2,126
Irish Setter Cross	$1,626	$2,040
Irish Terrier	$1,593	$2,160
Irish Terrier Cross	$1,539	$2,082
Irish Water Spaniel	$1,750	$2,345
Irish Water Spaniel Cross	$1,584	$2,131
Irish Wolfhound	$2,218	$2,873
Irish Wolfhound Cross	$1,597	$2,082
Italian Cane Corso	$2,229	$2,977
Italian Greyhound	$1,637	$2,133
Italian Greyhound Cross	$1,560	$2,071
Italian Lagotto Ramgnolo	$1,481	$2,092
Italian Lagotto Ramgnolo Cross	$1,382	$1,979
Italian Pointer	$1,518	$2,142
Italian Pointer Cross	$1,410	$1,961
Italian Sheepdog	$1,404	$1,926
Italian Sheepdog Cross	$1,279	$1,736
Italian Spinone	$1,361	$1,834
Italian Spinone Cross	$1,284	$1,750
Jack Russell Terrier	$1,103	$1,427
Jack Russell Terrier Cross	$987	$1,307
Japanese Akita	$1,273	$1,664
Japanese Akita Cross	$1,142	$1,672
Japanese Chin	$1,330	$1,796
Japanese Chin Cross	$1,238	$1,653
Japanese Spitz	$1,160	$1,541
Japanese Spitz Cross	$1,060	$1,417
Kangal	$1,780	$2,388
Kangal Cross	$1,686	$2,273
Keeshond	$1,446	$1,983
Keeshond Cross	$1,376	$1,953
Kelpie	$1,446	$1,989
Kelpie Cross	$1,315	$1,835
Kerry Blue	$1,647	$2,225
Kerry Blue Cross	$1,579	$2,188
King Charles Spaniel	$1,326	$1,610
King Charles Spaniel Cross	$1,097	$1,487
Komondor	$1,230	$1,587
Komondor Cross	$1,210	$1,572
Kuvasz	$1,327	$1,819
Kuvasz Cross	$1,278	$1,718
Labradoodle	$1,235	$1,674
Labradoodle Cross	$1,330	$1,706
Labrador	$1,624	$2,132
Labrador Cross	$1,378	$1,823
Labrador Retriever	$1,471	$1,915
Labrador Retriever Cross	$1,226	$1,666
Lagotto Rom	$1,650	$2,226
Lagotto Rom Cross	$1,273	$1,737
Lakeland Terrier	$1,363	$1,639
Lakeland Terrier Cross	$1,201	$1,630
Leonberger	$2,273	$3,108
Leonberger Cross	$1,864	$2,553
Lhasa Apso	$1,440	$1,920
Lhasa Apso Cross	$1,298	$1,748
Louisiana Catahoula Leopard Dog	$1,833	$2,582
Louisiana Catahoula Leopard Dog Cross	$1,397	$1,944
Lowchen	$1,333	$1,792
Lowchen Cross	$1,226	$1,710
Lurcher	$1,589	$2,100
Lurcher Cross	$1,109	$1,464
Malinois Shephard	$1,601	$2,201
Malinois Shephard Cross	$1,492	$2,077
Maltalier	$1,256	$1,729
Maltalier Cross	$1,943	$2,697
Maltese	$1,038	$1,381
Maltese Cross	$956	$1,306
Manchester Terrier	$1,509	$1,984
Manchester Terrier Cross	$1,481	$2,043
Maremma Sheepdog	$1,270	$1,671
Maremma Sheepdog Cross	$1,177	$1,597
Mastiff	$2,320	$3,072
Mastiff Cross	$2,118	$2,596
Mexican Hairless	$1,247	$1,636
Mexican Hairless Cross	$1,208	$1,595
Miniature Bull Terrier	$1,439	$1,884
Miniature Bull Terrier Cross	$1,293	$1,713
Miniature Dachshund	$1,295	$2,175
Miniature Dachshund - Smooth Haired	$1,342	$2,174
Miniature Dachshund - Smooth Haired Cross	$1,242	$2,117
Miniature Dachshund - Wire Haired	$1,295	$2,175
Miniature Dachshund - Wire Haired Cross	$1,242	$2,117
Miniature Dachshund Cross	$1,242	$2,117
Miniature Dachshund Cross Cross	$1,242	$2,117
Miniature Dachshund- Long Haired	$1,295	$2,175
Miniature Dachshund- Long Haired Cross	$1,242	$2,117
Miniature Doberman	$1,855	$2,459
Miniature Doberman Cross	$1,738	$2,325
Miniature Fox Terrier	$1,072	$1,399
Miniature Fox Terrier Cross	$1,010	$1,335
Miniature Maltese	$1,471	$2,043
Miniature Maltese Cross	$1,277	$1,852
Miniature Pinscher	$1,368	$1,799
Miniature Pinscher Cross	$1,283	$1,686
Miniature Poodle	$1,272	$1,696
Miniature Poodle Cross	$1,160	$1,572
Miniature Schnauzer	$1,247	$1,636
Miniature Schnauzer Cross	$1,051	$1,406
Miniature Toy Pom	$1,401	$1,876
Miniature Toy Pom Cross	$1,129	$1,495
Munster	$2,048	$2,763
Munster Cross	$1,958	$2,607
Munsterlander - Large	$1,389	$1,920
Munsterlander - Large Cross	$1,283	$1,739
Neopolitan Mastiff	$2,540	$3,070
Neopolitan Mastiff Cross	$1,928	$2,550
New Guinea Singing Dog	$1,173	$1,594
New Guinea Singing Dog Cross	$1,125	$1,533
New Zealand Huntaway	$2,034	$2,859
New Zealand Huntaway Cross	$1,884	$2,634
Newfoundland	$2,537	$3,396
Newfoundland Cross	$2,117	$2,829
Norfolk Terrier	$1,290	$1,711
Norfolk Terrier Cross	$1,268	$1,715
Norwegian Elk Hound	$1,365	$1,822
Norwegian Elk Hound Cross	$1,162	$1,521
Norwegian Hound	$1,309	$1,753
Norwegian Hound Cross	$1,299	$1,803
Norwich Terrier	$1,314	$1,739
Norwich Terrier Cross	$1,288	$1,739
Nova Scotia Duck Tolling Retriever	$1,308	$1,720
Nova Scotia Duck Tolling Retriever Cross	$1,219	$1,609
Old English Sheepdog	$1,445	$1,849
Old English Sheepdog Cross	$1,241	$1,682
Otterhound	$2,205	$3,101
Otterhound Cross	$1,792	$2,543
Papillon	$1,219	$1,610
Papillon Cross	$1,068	$1,404
Parson Jack Russell Terrier	$1,174	$1,547
Parson Jack Russell Terrier Cross	$1,136	$1,530
Patterdale Terrier	$1,207	$1,566
Pekingese	$1,453	$1,920
Pekingese Cross	$1,314	$1,744
Petit Basset Griffon Vendeen	$1,674	$2,409
Petit Basset Griffon Vendeen Cross	$1,706	$2,412
Pharaoh Hound	$1,737	$2,332
Pharaoh Hound Cross	$1,628	$2,105
Pinscher	$1,724	$2,363
Pinscher Cross	$1,756	$2,500
Plott Hound	$2,012	$2,845
Plott Hound Cross	$1,761	$2,505
Polish Lowland Sheepdog	$1,393	$1,788
Polish Lowland Sheepdog Cross	$1,304	$1,709
Pomeranian	$1,230	$1,659
Pomeranian Cross	$991	$1,313
Poodle - Standard	$1,318	$1,697
Poodle - Standard Cross	$1,207	$1,454
Poodle - Toy	$1,230	$1,616
Poodle - Toy Cross	$1,016	$1,332
Portuguese Water Dog	$1,122	$1,494
Portuguese Water Dog Cross	$1,125	$1,509
Prague Ratter	$1,117	$1,512
Pressa Canario	#VALUE!	#VALUE!
Pressa Canario Cross	#VALUE!	#VALUE!
Pug	$1,480	$1,987
Pug Cross	$1,256	$1,699
Puli	$1,221	$1,639
Puli Cross	$1,137	$1,600
Pyrenean Mountain Dog	$1,925	$2,572
Pyrenean Mountain Dog Cross	$1,786	$2,470
Rat Terrior	$1,086	$1,421
Rhodesian Ridgeback	$1,946	$2,660
Rhodesian Ridgeback Cross	$1,284	$1,668
Rottweiler	$2,537	$3,396
Rottweiler Cross	$2,117	$2,829
Saluki	$1,631	$2,155
Saluki Cross	$1,575	$2,117
Samoyed	$1,477	$1,923
Samoyed Cross	$1,360	$1,801
Sarplaninac	$1,987	$2,633
Sarplaninac Cross	$1,773	$2,407
Schipperke	$1,168	$1,551
Schipperke Cross	$1,068	$1,426
Schnauzer Giant	$2,011	$2,784
Schnauzer Giant Cross	$1,291	$1,760
Schnauzer Standard	$1,695	$2,357
Schnauzer Standard Cross	$1,222	$1,703
Schnoodle	$1,073	$1,398
Schnoodle Cross	$1,174	$1,468
Scotch Collie	$1,186	$1,603
Scotch Collie Cross	$1,159	$1,584
Scottish Terrier	$1,596	$2,018
Scottish Terrier Cross	$1,404	$1,920
Sealyham Terrier	$1,623	$2,170
Sealyham Terrier Cross	$1,619	$2,236
Shar-Pei	$2,515	$3,335
Shar-Pei Cross	$2,409	$3,211
Shetland Sheepdog	$1,203	$1,591
Shetland Sheepdog Cross	$1,121	$1,519
Shiba Inu	$1,242	$1,672
Shiba Inu Cross	$1,148	$1,612
Shih Tzu	$1,299	$1,753
Shih Tzu Cross	$1,174	$1,600
Shiloh shepherd	$1,531	$2,056
Shiloh shepherd Cross	$1,336	$1,710
Siberian Husky	$1,235	$1,667
Siberian Husky Cross	$1,198	$1,588
Skye Terrier	$1,344	$1,800
Skye Terrier Cross	$1,268	$1,710
Smithfield Cross	$1,165	$1,582
Soft Coated Wheaten Terrier	$1,404	$1,886
Soft Coated Wheaten Terrier Cross	$1,293	$1,716
Spanador	$1,709	$2,142
Spanador Cross	$1,907	$2,698
Spanish Water Dog	$1,263	$1,665
Spanish Water Dog Cross	$1,187	$1,598
Spitz Mittel	$1,347	$1,687
Spitz Mittel Cross	$1,238	$1,611
Spoodle Cross	$1,255	$1,732
Spoodle/Cockapoo	$1,052	$1,374
Springer Spaniel	$1,319	$1,716
Springer Spaniel Cross	$1,220	$1,598
St Bernard	$2,417	$3,259
St Bernard Cross	$1,948	$2,572
Staffordshire Bull Terrier	$1,415	$1,838
Staffordshire Bull Terrier Cross	$1,294	$1,680
Staghound	$2,514	$3,328
Staghound Cross	$1,654	$2,220
Stumpy Tail Cattle Dogs	$1,199	$1,602
Stumpy Tail Cattle Dogs Cross	$1,110	$1,466
Sussex Spaniel	$1,365	$1,828
Sussex Spaniel Cross	$1,298	$1,655
Swedish Vallhund	$1,284	$1,727
Swedish Vallhund Cross	$1,244	$1,728
Swiss Mountain Dog	$2,647	$3,641
Swiss Mountain Dog Cross	$2,191	$3,041
Swiss Mountain Dog Cross	$2,582	$3,041
Swiss Shepherd	$1,534	$2,068
Swiss Shepherd Cross	$1,256	$1,858
Tenterfield Terrier	$1,300	$1,753
Tenterfield Terrier Cross	$1,050	$1,445
Tibetan Mastiff	$2,302	$3,076
Tibetan Mastiff Cross	$2,017	$2,716
Tibetan Spaniel	$1,224	$1,662
Tibetan Spaniel Cross	$1,039	$1,391
Tibetan Terrier	$1,347	$1,810
Tibetan Terrier Cross	$1,229	$1,666
Timber Shepherd	$1,563	$2,155
Timber Shepherd Cross	$1,313	$1,822
Tosa Inu	$2,647	$3,641
Tosa Inu Cross	$2,462	$3,423
Turkish Kangal	$1,487	$2,033
Turkish Kangal Cross	$1,349	$1,817
Weimaraner	$1,930	$2,537
Weimaraner Cross	$1,774	$2,339
Welsh Corgi - Cardigan	$1,318	$1,752
Welsh Corgi - Cardigan Cross	$1,222	$1,678
Welsh Corgi - Pembroke	$1,326	$1,709
Welsh Corgi - Pembroke Cross	$1,262	$1,724
Welsh Springer Spaniel	$1,329	$1,729
Welsh Springer Spaniel Cross	$1,228	$1,609
Welsh Terrier	$1,301	$1,722
Welsh Terrier Cross	$1,293	$1,713
West Highland White Terrier	$1,305	$1,679
West Highland White Terrier Cross	$1,031	$1,395
Whippet	$1,547	$2,120
Whippet Cross	$1,475	$1,951
Wire-haired Pointing Griffon	$1,355	$1,879
Wire-haired Pointing Griffon Cross	$1,259	$1,722
Wire-Haired Terrier	$1,361	$2,049
Wire-Haired Terrier Cross	$1,294	$1,682
Wolf/ Wolf Hybrid	$1,824	$2,528
Wolfhound	$1,692	$2,207
Wolfhound Cross	$1,445	$1,869
Yorkshire Terrier	$1,245	$1,654
Yorkshire Terrier Cross	$1,045	$1,376
Yugoslavian Mountain Hound	$1,575	$2,139
Yugoslavian Mountain Hound Cross	$1,243	$1,727

Methodology: We averaged out the cost from 6 Australian pet insurance providers for accident and illness plan, we selected a $0 excess, wherever possible. Quotes were taken in November 2021 for a male, desexed dog that was born on 13/2/2016 for the 5-year-old dog and 13/2/2020 for the 1-year-old dog. The owner was 24 years old at the time, residing in the 2010 postcode.

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.

How does pet insurance work?

Pay for protection

To avoid unexpected veterinary costs if your pet suffers from an illness or injury, with pet insurance, you pay a premium either monthly or annually – policies cost an average of $20 to $60 a month.

Visit a vet

You can visit any licensed vet in Australia if your pet gets sick (as long as it's not due to a pre-existing condition) or injured. In most cases, you pay the vet directly for the bill. Some providers in Australia offer GapOnly, which means your pet insurance claim is calculated while you're at the vet, so you only pay the gap.

Get reimbursed

You get between 60% and 100% of your pet's vet costs reimbursed. You can generally claim a maximum of $12,000 and $25,000 per year, depending on the policy you choose, which is why it's worth comparing pet insurance.

How can I lower my pet insurance premiums?

There are several tips and tricks to reduce your pet insurance premiums. However, doing so could mean you'll be out of pocket later down the line:

Raise your excess. By choosing a higher pet insurance excess (the amount you'll have to pay if you make a claim), you are likely to find lower premiums than the averages listed on this page.

Pick a different type of cover. Accident-only cover is typically the cheapest dog insurance, whereas cover for accidents and illness is generally the most expensive. You can also select different policy limits to reduce your premium - this is the most your pet insurance will pay out in a 12 month period.

Shop around. Different insurers might assess dogs differently based on their breed and age, so the cheapest option for one person is not necessarily the cheapest for another. It's always worth shopping around to see if you can find better value dog insurance.

Frequently asked questions

Sources

Thank you for your feedback!

Written by

Francesca Guerrera

Publisher

Francesca Guerrera was a Publisher at Finder, helping Aussies find the best deals when it comes to getting pet insurance for their fur babies or taking out life insurance. She has a Bachelor of Communications in Journalism from the University of New South Wales. See full bio

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