Vets Choice is a pet insurance product provided by Guild Insurance Ltd and recommended by the Australian Veterinary Association (AVA), the main body representing vets across Australia. It provides two levels of pet insurance - Pro Cover and Elite Cover.
- 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 — 100% of eligible vet bills are covered.
- Its $15,000 limit is similar to many other pet insurers.
Review by our insurance writer Gary Hunter
Vets Choice offers two pet insurance policy options to choose from and the option to add on dental cover. Keep in mind that waiting times apply and each policy comes with an excess charge as well as a sub and annual benefit limit.
You will receive 100% of approved claim costs, minus any relevant excess, up to the annual limit for most claims. 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:
- Cruciate ligament condition
- Cherry eye
- Non-diabetic cataracts
- Intervertebral disc disease (IVDD)
- Lumps, growths & 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
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:
- Ear conditions
- GI conditions
- Heart conditions
- Skin conditions
- All other illnesses
Vets Choice has a number of add-ons and additional benefits. These include:
- Dental: You can get cover for treatment of certain dental conditions such as gingivitis, abscesses or removal of teeth.
- Dental Plus: This pays for approved Vet costs for certain preventative dental treatments up to the applicable annual sub-limit. You don't need to pay any excess for these benefits and there is no waiting period either.
- Multi-pet discount: Vets Choice will take 5% off your premiums if you insure another pet.
- Essential Euthanasia: Vets Choice will pay the Vet costs to euthanise your pet if a Vet decides euthanasia is necessary.
- Lifetime cover. You can get guaranteed lifetime cover for your pet as long you join before they reach their 9th birthday and your policy remains active.
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 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).