Vets Choice Pet Insurance
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Vets Choice Pet Insurance Review

Vets Choice pet insurance is the only insurer to be endorsed by the Australian Veterinary Association, so it could be good if you want a provider that vets trust.

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Pros

  • It's the only insurer to be endorsed by the Australian Veterinary Association (AVA).
  • Unlike the majority of pet insurance policies, there are no gap payments – 80% or 100% of eligible vet bills are covered.
  • It comes with a $2,500 paralysis tick benefit which is higher than 6 of the 10 insurers we looked at.

Cons

  • Its $15,000 limit is similar to many other pet insurers.
  • Its 5% multi-policy discount is no good to people who just have one pet.
Deal

5% Multi-pet Discount

Save 5% when you insure multiple pets with Vets Choice Pet Insurance.

Compare pet insurance from Vets Choice

Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Vets Choice Elite Cover
$15,000
$2,500
80% or 100%
Yes
Get a 5% discount when you insure more than one pet.
Vets Choice Pro Cover
$12,000
$2,500
80% or 100%
Yes
Get a 5% discount when you insure more than one pet.
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  • You pay the same price as buying directly from the pet insurer.

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What policies does Vets Choice offer?

Vets Choice offers 2 pet insurance policy options to choose from. You have the option to add on dental cover and extra cover for cruciate ligament. Keep in mind that waiting times apply and each policy comes with an excess charge as well as a sub and annual benefit limit.

Pro Cover

You will receive 80% or 100% of approved claim costs depending on your choice of benefit level at the point of purchase. The annual limit is $12,000, though sub-limits may also apply. Cover with a Pro Cover policy includes cover for accidents and illnesses such as:

  • Cancer
  • Cruciate ligament condition
  • Cherry eye
  • Non-diabetic cataracts
  • Intervertebral disc disease (IVDD)
  • Lumps, growths and cyst removal
  • Hip dysplasia including hip replacement
  • Urinary tract infections, diseases and obstructions
  • Bone fractures
  • Heat stroke
  • Tick paralysis
  • Snake bite toxicity
  • Ingestion of a foreign object
  • An embedded grass seed
  • Anaphylactic shock
  • Torn nail

Elite Cover

As well as cover for everything that you get with a Pro Cover policy – and a higher annual limit of $15,000 – Elite Cover also includes cover for accidents and illnesses including:

  • Arthritis
  • Diabetes
  • Epilepsy
  • Ear conditions
  • GI conditions
  • Heart conditions
  • Skin conditions
  • All other illnesses

🏥 Here's a breakdown of what Vets Choice covers

Here's an overview of what your pet will be covered for with Vets Choice.

Ambulance vehicle with pet paw on the front

Accidental injuries

Vets Choice can pay 80% or 100% of vet bills if your pet suffers from an accident such as a:

  • Bone fracture
  • Heat stroke
  • Tick paralysis
  • Snake bite toxicity
  • Ingestion of a foreign object
  • An embedded grass seed
  • Anaphylactic shock
  • Torn nail

Vet building with pet paw on the front

Illnesses

If your cat or dog falls ill, Vets Choice can pay 80% or 100% of eligible vet bills towards illnesses such as:

  • Cancer
  • Cruciate ligament condition
  • Cherry eye
  • Non-diabetic cataracts
  • Intervertebral disc disease (IVDD)
  • Lumps, growths and cyst removal
  • Hip dysplasia including hip replacement
  • Urinary tract infections, diseases and obstructions

Pet toothbrush and scissors

Dental

Vets Choice comes with the option to add on dental cover or dental plus. Dental cover can help pay for dental injuries and illnesses such as gingivitis, abscesses, cavities or dental disease from infection. Dental plus covers routine care such as:

  • Dental check-ups
  • Teeth clean and polish
  • Dental diets, chews, treats and toothbrushes
  • Certain preventative items

What is not covered by Vets Choice?

Here are some of the services excluded from a Vets Choice pet insurance policy.

  • Vaccinations and regular check-ups. Routine care is not generally covered. Some of the treatments excluded include:
  • General consultations
  • Dental treatment (unless you have selected the optional dental add-on)
  • Pre-existing conditions. Vets Choice won't cover your pet for the cost of any treatment related to a pre-existing condition.
  • Alternative treatments. You are only covered for the treatments outlined in your policy, even if the alternative treatment is done by a vet.
  • Elective treatment. Treatment for accidental injuries or illnesses that are not covered under your policy even if they may be beneficial to your dog or cat but are not essential to their survival.
  • Age restrictions. Keep in mind that, like many insurers, Vets Choice will only insure dogs and cats between the ages of 8 weeks and 8 years.

To ensure you know exactly what is and isn't covered, always read the product disclosure statement (PDS).

Why you can trust Finder's pet insurance experts

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Vets Choice frequently asked questions

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