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*iSelect's partnered with Choosi Pty Ltd to compare a range of pet insurers and policies. Not all policies are available at all times or in all areas. Our advice on this website is general in nature and does not consider your situation or needs. Consider if any advice is appropriate for you before acting on it. Learn more.
Get The Facts On Pet Insurance
Get The Facts On Pet Insurance
What is pet insurance?
Pet insurance is designed to help cover unexpected veterinary expenses when your pet is sick or injured. Some home insurance policies offer limited pet insurance bundles. But you can also purchase an individual policy for your pet.What does pet insurance cover?
Like with most insurance policies, you can choose your level of cover. The varying levels of pet insurance can include accidental injury or illness. Your policy might also include desexing, microchipping and annual vaccinations. Some providers even cover dental procedures. It'sWhat isn't covered when it comes to pet insurance?
Pet insurance policies don’t usually provide cover for things like pre-existing conditions that your pet experienced before you took out the insurance or during the waiting period, behavioural problems, pregnancy, grooming and food and diet products and services.What is dog insurance?
Dog insurance, also known as pet insurance, helps you cover the cost of an unexpected trip to the vet. It can give you peace of mind when your four-legged friend is sick or injured, and reduce some of the financial strain.What is cat insurance?
Cat insurance helps reduce the financial stress of any emergencies or unexpected trips to the vet when your cat is injured or ill. You'll usually need to pay the bill upfront, then your provider can reimburse you.Select cover for your pet from our range of brands through Choosi.*
Pets can be like members of the family, and when they’re sick or injured, we want to take care of them.
Unfortunately, vet bills and medical treatment costs can add up, especially if surgical or hospital care is needed. Pet insurance can give you peace of mind and reduce some of the financial burden when your pet needs help.
Pet Insurance FAQs
What is pet insurance?
Pet insurance is similar to health insurance, but for your pets. Like health insurance, there are different levels of cover which pay up to 80% of the cost of certain vet bills, depending on the insurer. Pet insurance helps you cover the cost of treating an injured or sick pet, reducing your out-of-pocket expense. There are typically three levels of cover offered:
• Accidental injury
• Illness
• Accident and illness: a comprehensive plan covering both injuries and illnesses
• Accidental injury
• Illness
• Accident and illness: a comprehensive plan covering both injuries and illnesses
How much is pet insurance in Australia?
The cost of pet insurance will vary based on the type of cover you select. It’ll also depend on the breed and age of your pet. For example, the average cost of pet insurance per year is $293 for dogs, and $246 for cats1.
How much is pet insurance for a dog?
The cost of pet insurance for dogs is influenced by several factors. As mentioned earlier, these include the level of cover you select, as well as the age and breed of your dog. Average yearly costs for dog insurance come to about $293 per year. However, this figure is just an average figure. In addition to this, older pets and some premium breeds typically attract a higher premium. This is because they’re more susceptible to some health conditions.
What’s the best pet insurance for dogs?
Rating the best pet insurance for dogs is subjective, and changes depending on your individual needs. As with most insurance products, don't just consider the premiums, but also factors such as:
• What the maximum annual benefits are
• What the benefit limits are
• What percentage of vet bills are covered
• Is any excess payable?
• What conditions are covered (including chronic conditions and routine care)
• Are there any waiting periods?
• What the maximum annual benefits are
• What the benefit limits are
• What percentage of vet bills are covered
• Is any excess payable?
• What conditions are covered (including chronic conditions and routine care)
• Are there any waiting periods?
Should I get pet insurance?
If you have a pet, or you’re thinking of getting one, then pet insurance is a worthwhile investment. It’s especially worthwhile when you consider the low monthly premiums in comparison to the actual cost of vet bills, which can easily exceed $3,000 for some treatments. Pet insurance offers peace-of-mind, assuring you that if your pet becomes ill or becomes injured in an accident, you’ll be able to afford the best treatment possible.
Where can I get pet insurance?
iSelect will help you compare a range of pet insurance products, making it easier for you to select the right cover for your specific needs. You can compare and purchase pet insurance online, or speak with our trusted partner on the phone.
Which pet insurance is best?
Picking the best pet insurance is largely influenced by your individual needs, as well as where you’re located. The monthly premium is not the most important factor, since you also need to consider:
• Do any maximum annual benefits apply?
• Are there any benefit limits?
• What percentage of vet bills is covered?
• Is there any excess payable for each treatment?
• What is covered: including chronic conditions and routine care?
• Do waiting periods apply?
• Do any maximum annual benefits apply?
• Are there any benefit limits?
• What percentage of vet bills is covered?
• Is there any excess payable for each treatment?
• What is covered: including chronic conditions and routine care?
• Do waiting periods apply?
How much is pet insurance for cats?
The cost of pet insurance for cats will vary according to the type of cover you decide on, as well as the age of your cat. You could pay up to $246 per year for cat insurance, however this is merely an Australian average. As with dogs, this figure may change depending on the age and breed of your cat.
Do all vets accept pet insurance?
Most pet insurance policies expect you to settle the vet's bill upfront, and then claim back a portion of the cost directly from your insurer. This means you’re able to choose any vet to treat your pet, as long as they’re licensed in Australia. However, you always want to pay careful attention to the policy wording and terms for any exclusions.
What does pet insurance cover?
Pet insurance is typically available in three levels: accident only, illness only, and accident and illness (or comprehensive). Accident cover usually covers broken bones following a car accident, scratches and bites from fighting, and sometimes even snake bites.
Illness cover includes a variety of illnesses and diseases diagnosed by a licensed vet. This can include cancer, infectious diseases, hereditary conditions, and some skin conditions.
Comprehensive, or accident and illness, is a wider ranging form of cover. However, it doesn't always include routine care such as vaccinations, teeth cleaning, and pregnancy. Always check the policy wording for details of what’s included.
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*iSelect's partnered with Choosi Pty Ltd (ABN 15 147 630 886) to help you compare pet insurance policies. iSelect earns a commission from Choosi for every policy sold through the website or contact centre. iSelect and Choosi do not compare all providers or policies in the market.
Any advice provided by iSelect on this website is of a general nature and does not take into account your objectives, financial situation or needs. You need to consider the appropriateness of any information or general advice we give you, having regard to your personal situation, before acting on our advice or purchasing any policy. You should consider iSelect's Financial Services Guide which provides information about our services and your rights as a client of iSelect. iSelect receives commission for each policy sold by Choosi.
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