Vets Choice pet insurance is the only insurer to be endorsed by the Australian Veterinary Association.
It offers cover for 80% of eligible bills.
Pros
It's the only insurer to be endorsed by the Australian Veterinary Association (AVA).
Unlike the majority of pet insurance policies, 80% 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.
Compare pet insurance from Vets Choice
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How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
No claims discount. Your premium can be reduced if you do not make a claim during your policy year.
Official veterinary endorsement. This is the only pet insurance provider endorsed by the Australian Veterinary Association, ensuring clinical expertise is at the core of your policy.
High reimbursement options. You can select a 80% benefit percentage for eligible vet bills after your excess, providing more financial peace of mind than many standard plans.
Vets Choice pet insurance costs
To help give you an idea about costs for Vets Choice pet insurance, we gathered quotes for a few of Australia's favorite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Premium, Standard & Classic Accident & Illness Cover
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
What is not covered by Vets Choice?
The following are some of the exclusions under a Vets Choice pet insurance policy:
Alternative or Complementary Treatments
Ancillary Costs
Business, Occupation, Profession or Trade
Consequential Loss
Costs Incurred After the Period of Cover has Expired
Costs Incurred Prior to Commencement of Cover or During the Waiting Period
Dental Care, Injuries or Disease
Elective Treatment
Fraudulent, Dishonest, Criminal, Malicious, Wilful or Intentional Acts
Mistreatment of Your Pet
Pandemic Disease
Pre-existing Condition
Sanctions
Terrorism
To ensure you know exactly what is and isn't covered, always read the product disclosure statement (PDS).
How to make a claim
You can submit your claim online through the Vets Choice website. Follow these steps for a prompt assessment:
Select your claim type. Visit the Vets Choice claims page and choose between the "Accident & Illness" or "Third-Party Liability" online notification forms.
Provide policy and pet details. Enter your policy number, personal contact information, and the name of the pet you are claiming for.
Describe the event. Answer the guided questions about your pet's visit, including the name of the veterinary practice, the date of treatment, and a description of the illness or injury.
Upload documentation. Attach a clear photo or PDF of your itemized tax invoice and proof of payment. If this is your first claim, you may also need to upload your pet's full clinical history.
Submit bank details. Enter your account name, BSB, and account number to ensure your reimbursement is paid directly into your nominated bank account once approved.
Vets Choice frequently asked questions
Vets Choice has a number of add-ons and additional benefits. These include:
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.
You'll need to serve a 21-day waiting period for most accidental injuries and illnesses. In some instances, Vets Choice will waive waiting periods for accidental injuries. There's also a 6-month waiting period for cruciate ligament conditions.
Vets Choice will cover 80% of eligible vet bills depending on the benefit level chosen at point of purchase – it's one of the few insurers to do so. However, you will have to pay an excess when you make a claim. The amount will be outlined to you when you take out a policy.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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