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Access quality pet insurance reviews to find the right cover for your pet

Pet insurance is designed to help make essential treatment for your pet’s injuries and illnesses much more affordable. When you’re faced with expensive vet bills, pet insurance helps cover the cost involved so that your four-legged friend gets the best possible care.

However, it’s important that you do your research and shop around to find the right policy for your needs. In order to compare the features and benefits of policies, you can gain plenty of useful information by reading pet insurance reviews. You can find a wealth of insurance product reviews online to help you find out all the useful details of competing policies and learn of any traps or pitfalls to avoid.

Of course, you need to assess the accuracy and veracity of each review before deciding just how valuable the information provided truly is. Read on to find out how to find the best* pet insurance reviews online.

Receive quotes for pet insurance from these Australian brands

Details Features
Major Medical Cover
Major Medical Cover
Reimburses 80% of veterinary treatment related to Accidental Injury and Illness.
  • $15,000 annual benefit limit
  • 80% of vet bill covered subject to terms and conditions
  • $1200 emergency boarding fees per year
  • 5% discount for each additional pet insured up to 15%
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Comprehensive Cover
Comprehensive Cover
Price Beat guarantee on comparable pet insurance policies.
  • Accidental Injury and Illness Cover Plus Routine Care
  • $12,000 annual benefit limit
  • $1,500 annual tick paralysis benefit
  • Up to $1,200 emergency boarding fees
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Ultimate Cover (Accident & Illness)
Ultimate Cover (Accident & Illness)
Get up to $11,000 cover every year on eligible bills. Benefit from a 10% multi-pet discount.
  • $11,000 annual claim limit
  • Up to 80% of eligible vet bills back*
  • No excess
  • Premiums go towards supporting the RSPCA
  • Optional routine care cover
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Premium Accident & Illness Cover
Premium Accident & Illness Cover
Get 10% of the premiums you’ve paid back after the first 12 months with The Real Reward.
  • $12,000 annual claim limit
  • Up to 80% of vet bill covered subject to terms and conditions
  • Take your pet to any licensed vet practice in Australia
  • Optional routine care benefit
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Comprehensive Plan
Comprehensive Plan
FREE personalised ID tag for all new policy holders
  • $8,000 or $12,000 annual benefit limit
  • Up to 80% of vet bill covered
  • Excess of $0, $100 or $200 per each unrelated condition
  • Optional Routine Care Cover
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Sovereign Accident & Illness Cover
Sovereign Accident & Illness Cover
With every additional pet, you get a 10% discount. Offers optional coverage for routine care.
  • Cover up to 85% of eligible vet bills*
  • Claim up to 14,000 per year
  • Optional routine care
  • No excess
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Gold Accident and Illness
Gold Accident and Illness
With no joining fee and no excess to pay, it’s affordable protection for your four-legged friend.
  • Cover up to 75% of eligible vet bills*
  • Maximum claim of $12,000 per year
  • You’re free to choose any licenced vet in Australia
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Accident and Illness Cover
Accident and Illness Cover
Cover 75% - 85% of your veterinary treatment costs up to $12,000. Multi-pet discount up to 10%.
  • Annual limit up to $12,000
  • $500 tick paralysis treatment cover
  • 10% multi-pet discount
  • $300 in consultations covered per annum
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Be critical

When you’re reading pet insurance reviews to help you make an informed choice about a policy, keep the following pointers in mind:

  • Read multiple reviews. Don’t make up your mind based on one review. Read a number of reviews to get a more complete picture of the features of a policy and the strengths and weaknesses of an insurer.
  • Be wary of reviews written by angry customers. If a customer has had a bad experience with an insurer, fair enough — it’s certainly information that could help you make a choice. However, make sure to check that the customer has a legitimate reason to be disgruntled, as many customers complain about dodgy service from insurers when it is actually the customer who was in the wrong.
  • Examine who wrote the review. Was the review written by a so-called industry expert? If so, what are their qualifications? Was it written by a former customer? Look for any vested interests a reviewer might have that could influence their review.
  • Watch out for reviews on the insurer’s website. No insurer is going to post negative product reviews on its own website, so don’t take these types of reviews as a completely accurate portrayal of a policy.
  • Watch out for fake reviews. Use your wits and don’t be sucked in by any reviews that sound too good to be true.

Is a policy right for you?

You can garner a great deal of useful information about pet insurance policies by reading reviews. Any decent review will detail the features and benefits of a policy, but knowing what to look for in a review can help you make sense of the technical jargon.

What is covered?

The first piece of information to look for is exactly what a policy covers you for. Items to look for include:

  • Are accidents and illnesses covered or is it an accident only policy?
  • Can you add a benefit for routine care procedures (for example vaccinations)?
  • What optional extras are available with your policy?
  • What is the maximum amount you can claim against your policy each year and what percentage of your eligible vet bills will the insurer pay?

What is excluded?

Look for the section of the review that refers to a policy’s exclusions. Common exclusions include:

  • Pre-existing conditions. However some insurers make it possible to take out coverage for certain pre-existing conditions once your pet has recovered from them.
  • Illnesses for which there is a known vaccine
  • Breeding and pregnancy
  • Failing to take proper care to look after your pet.

Consider your own needs

It’s your job as a savvy consumer to use online pet insurance reviews to help you find value when it comes to choosing your policy. While the cover provided across the industry is roughly similar between all insurers, no two policies are exactly the same. This means you’ll need to make the most of pet insurance reviews to ensure that you end up with the right policy.

  • Know the cover you need. Look at the cost of accident cover as compared to the increased cost attached to a combined accident and illness policy. Are you looking for basic or comprehensive cover, and how does the protection offered by each policy stack up against the competition?
  • Know what is covered. Look for information on exactly which injuries and illnesses each policy covers. Does one policy cover a larger number of conditions than the rest of the competition? Or is there one particular policy that covers all the injuries you fear your pet is most likely to ever sustain?
  • Check the maximum benefit. You also need to examine the maximum benefit limit per year on each policy. As pet insurance will only cover a certain percentage of your eligible vet bills, usually ranging from 50-80%, you need to look for a policy that will provide as much coverage as possible.

Other features to look for in a review include exclusions, sub-limits, excess amounts, average premium costs and any waiting periods that may apply.

Take note of different levels of cover

Before you start reading pet insurance policies it’s a good idea to consider the exact level of cover you require.

  • Accident Only. If you’re on a tighter budget and only want protection for some of the worst-case scenarios your pet might encounter, an accident only policy may be a good option. This offers protection for the medicine and treatment costs for a range of injuries, including injuries caused by car accidents, falls, burns, insect bites and snake bites.
  • Accident and Illness. If you want an increased level of cover, a combined accident and illness policy will offer cover for the treatment costs when your pet suffers one of a wide range of illnesses. These include cancer, skin conditions, hereditary problems and other infectious diseases.
  • Comprehensive. A comprehensive policy offers an increased level of cover, typically featuring a higher benefit limit and the option to include cover for routine care procedures. However, in order to decide on which type of policy is right for you, you’ll need to consider how important it is to you that your pet is covered and how much insurance you can afford.

Once you know what features you want in a policy, you can then start examining pet insurance reviews to find the best* policy option.

Protect your pooch

Dogs are wonderful animals. Loving and enthusiastic, it’s no wonder they’re known as man’s best friend. Every dog lover wants to give their furry friend the care it deserves, but sometimes the restraints of your budget can prevent you from doing so.

Did you know?

  • Dogs are Australia's most popular pet.
  • 64% of people said their dog was a member of the family.
  • The average dog-owning household spends $1,975 per year on their dogs.^

With this in mind, taking out dog insurance is a wise financial investment for many. It provides the cover you need to help you take care of those expensive vet bills when your dog is ill or injured. This allows you to give your dog the treatment and care he needs, rather than having to compromise or even forego care altogether.

When comparing policies, look for an insurer that covers the injuries and illnesses your pooch is most likely to face. Examine benefit limits and rebate percentages to find a policy that offers the right cover for your dog and your hip pocket.

Care for your kitty

If you’re a cat person, you’ll want to do everything you can to look after your feline friend. Pet insurance for cats is designed to do just that.

Did you know?

  • Cats are found in 19% of Australian households.
  • Over half of cats in Australia were acquired for free.
  • The average cat-owning household spends $1,480 per year on cats.^

Sadly, many people simply can’t fork out this type of money at a moment’s notice, which is why pet insurance for cats is becoming increasingly popular. It covers up to 80% of your vet bills, up to a maximum limit of around $14,000 or $15,000 each year, so that you can give your cat the highest quality care possible.

When comparing policies, consider whether you want accident and illness cover or just cover for accidents. Do you want cover for routine care so that you can claim for things like vaccinations and desexing?

Pet insurance reviews: where to find them

Once you’ve decided on your cover requirements, it’s time to start hunting for reviews of cover. The Internet is your friend for this process. There’s a wealth of information out there on a number of insurers.

There are plenty of other places online where you can find pet insurance reviews. Start by doing a simple Google search for insurance review websites and more generalised product review sites. Look for reputable operations so you know exactly how accurate and trustworthy the reviews you are reading actually are, and examine multiple reviews for each policy to form an accurate overall picture.

Another great place to look for pet insurance reviews is in online forums. There is no shortage of forums for pet lovers on the world wide web, and you can bet your bottom dollar that the subject of pet insurance regularly comes up in such portals. This will give you a chance to find out about the experiences and recommendations of dog and cat lovers just like you, who want insurance that offers similar cover to what you will want for your pet.

Know what you want to find out when you start reading reviews, and remember to make your own assessment about each policy — don’t simply swallow everything a review tells you word for word.

Regardless of whether you’re a cat person or a dog lover, pet insurance can offer much-need protection for your pet and your hip pocket. To find the best* policy for your needs, seeking out pet insurance reviews can give you plenty of useful information and point you in the right direction.

* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.
^ Source: Animal Medicines Australia 2016 Pet Ownership in Australia Report

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10 Responses

  1. Default Gravatar
    williamNovember 17, 2017

    What is the most popular dog insurance that offer best benefits and good cost, and little excess and quick to pay out claims

    • Staff
      JudithNovember 18, 2017Staff

      Hi William,

      Thanks for your question. As we are a comparison website, I’m afraid I cannot recommend or suggest a specific dog insurance for you, as your option would entirely depend on your needs.

      You may, however, check a list of dog insurance options on this page. Kindly click “Get Quote” or “More Info” for you to be able to read more information about each insurer and/or policy.

      Please take time to review the relevant details as well as the Product Disclosure Statements / Terms & Conditions of each option so you would be able to choose the one which would suit your needs.

      I hope this helps.

      Best regards,
      Judith

  2. Default Gravatar
    LyndaNovember 20, 2016

    I’m looking for pet insurance for birds. Vet bills for birds is just as expensive for birds as they are for dogs and cats – as the tests and antibiotics to get them through a virus and overnight stays at GreenCross Vets (the only places which have bird vets available) cost a fortune!

    So, I’ve been looking around for pet insurance for pet insurance for birds, but it’s non-existent, so do I just let my bird die next time because I can’t afford the bill? I’m not allowed a dog or cat in my townhouse complex because of Body Corporate Laws and Bylaws – besides I’m heavily allergic to both. But I’m not allergic to birds.

    Help!

    • Staff
      RichardNovember 21, 2016Staff

      Hi Lynda,

      Thanks for getting in touch. It looks like Remington Insurance Brokers do offer a product called aviary bird insurance but this seems to be the only bird related pet insurance policy on the market.

      I hope this was helpful,
      Richard

  3. Default Gravatar
    BarbaraSeptember 13, 2016

    I have two cats that are fully enclosed in house or a secure enclosure do I get a cheaper insurance for this ?

    • Staff
      RichardSeptember 14, 2016Staff

      Hi Barbara,

      Thanks for getting in touch. Generally, pet insurers only take into consideration the breed and age of your pet when calculating your premiums.

      All the best,
      Richard

  4. Default Gravatar
    MarjAugust 27, 2016

    Do any pet insurance cover dental problems?

    • Staff
      RichardAugust 29, 2016Staff

      Hi Marj,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. Unfortunately, none of the brands in our panel currently offer dental cover. However, there are brands that do offer this service including Prime Pet Insurance, PROSURE, Bupa Pet Insurance and HCF. Be sure to check the conditions with dental cover for pets. Conditions to be aware of include:

      • Cover available as an optional extra on top cover
      • Does not cover routine dental care
      • Your pet must have routine dental check-ups
      • You must have cover for a minimum amount of time (2 years) before you can claim

      I hope this was helpful,
      Richard

  5. Default Gravatar
    sharonApril 10, 2016

    What is not covered in pet insurance. They say eligible vet bills. What does this cover please

    • Staff
      RichardApril 10, 2016Staff

      Hi Sharon,

      Thanks for your question. Exclusions vary from insurer to insurer. You will need contact your insurer for a full list of their exclusions. Conditions excluded include:
      Pet grooming or bathing
      Ambulance fees and non-essential hospitalisation
      Behavioural problems
      Training, socialisation, therapy and alternative therapies
      Pet food, vitamins and dietary supplements
      Elective treatments such as desexing
      Unapproved medications
      Organ transplant surgery
      Prosthetics or artificial limbs
      Cell replacement therapies
      Pre-existing conditions
      Malicious acts
      Lack of care
      Cruciate ligament conditions
      Preventable diseases
      Breeding or obstetrics
      Dental problems or oral disease

      I hope this was helpful,
      Richard

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