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Routine care pet insurance

Getting pet insurance with routine care means you have financial help with more everyday expenses.

Top pick: Routine care
  • The only insurer to include routine care treatment
  • High annual claim limit – $30,145
How we chose this
1 - 10 of 16
Name Product Routine Care Dental Care Micro-chipping Alternative Therapies
PIA Major Medical Cover
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
RSPCA Ultimate Accident & Illness Cover
RSPCA's second most comprehensive policy. For extra protection, you can add on Routine Care Cover. Get 1 month free for the first year of new policies. T&C's apply.
Everyday Comprehensive Plus Cover
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Coles Premium Cover
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Everyday Comprehensive Cover
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Medibank Pet Plus Cover
Get your first month free if you sign-up by 19 August 2024. Use promocode 1FREE. T&Cs Apply.
Guardian Platinum Accident & Illness Cover
Lifetime cover for cats and dogs, up to 80% covered.
RSPCA Ultimate Plus Accident and Illness Cover
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Budget Direct Plus Cover
Budget Direct Plus Cover
Apply online and get 15% off your first year's premium. T&Cs apply.
Guide Dogs Premium Care
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.

Top pick for routine care: PIA Major Medical Cover

Pet insurance australia

Our verdict:

  • The only policy out of 60+ to automatically cover routine care e.g desexing, microchipping, council registration fees and vaccinations.
  • Claim up to $30,145 per year, the highest annual limit out of all Australian pet insurers.
  • First 2 months free. Based on average pet insurance costs, this could knock $160 off your bill.
    • You get 80% back on vet bills. Insurers including PD, Coles and Vets Choice all offer up to 100% back.
    • It has some sub-limits, a $3,000 cap on tick paralysis and $1,200 for emergency boarding.
    • The $145 routine care benefit might not be enough for everyone.

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How does routine care pet insurance work?

From puppy training to prescription diets, keeping your pet healthy and happy can be expensive; routine care cover is designed to help with some of those costs.

While your standard pet insurance policy will kick in if your pet suddenly gets sick or injured, routine care cover is designed to help with the things that are more routine when it comes to caring for your pet, such as registering your dog with the council or cleaning your cat's teeth.

Sometimes, routine care cover is already included in your pet insurance policy as standard, but it's more likely that you'll be given the option to add the benefit on for an additional fee.

However, there are pretty strict limits to how much you can claim and how often – usually, you'll only be able to claim for routine treatments once or twice a year, depending on how much you've paid for your benefit.

The good news is that this is completely separate to your standard pet insurance policy, so if you reach the maximum amount of claims for routine care cover and then your fur baby swallows a sock and needs emergency surgery, you'll still be able to make a claim.

What's included under routine care cover?

Heaps of different things! The specifics will vary from insurer to insurer but, generally, you can expect to get between $50 and $120 every year to spend on any of the following treatments:

  • Microchipping and desexing
  • General health checks
  • Vaccinations
  • Obedience training
  • Flea and worming treatments
  • Removing dew claws
  • Council registration fees
  • Controlling heartworm
  • Teeth cleaning
  • Alternative therapies
  • Prescription diets
  • Cremation or burial

You'll also get an additional allowance of at least $30 to pay for other specific treatments or procedures, like urinalysis and blood testing.

What isn't included under routine care cover?

Lots of regular expenses are covered under routine care cover but, usually, you'll only be able to claim from the benefit once or twice a year.

So if you spend $5 a month adding routine care cover to your pet insurance policy, you'll probably get up to $50 every year to spend – but you can only spend it on one treatment. This means if you spend $35 on a teeth cleaning treatment, you won't be able to use the other $15.

You're also likely to get at least $30 to spend on specific tests, like blood screens and urinalysis. In this case, you're getting a maximum annual value of $80 for a package which cost $60 – great! But be aware: if you don't claim benefits worth at least $60, you'd be out of pocket.

How much does routine care cover usually cost?

Unless routine care cover is included as standard, you can expect to pay between $5 and $12 a month, on top of what you're already paying for your insurance policy. It's typically a flat-rate benefit, regardless of age or breed, but the more you pay for routine care cover, the more you'll be able to claim back.

Policies that include routine care cover as standard will likely be more expensive because you don't have to pay an additional fee for the benefit. This is an important point to remember when comparing prices and choosing your provider, as the premium may look pricier, but you'll be getting more bang for your buck.

Is routine care pet insurance worth it?

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Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

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