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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.
You pay the same price as buying directly from the pet insurer.
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We've reviewed over 35 policies on the market, so you don't have to.
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.
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
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
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)
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
We're free
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
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.
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 as you join before they reach their 9th birthday and your policy remains active.
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% or 100% 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 is 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 news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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