1300 489 873For many Australians, pets are more than companions — they’re family. As vet care becomes more advanced and expensive, an increasing number of pet owners are exploring how insurance can help them stay prepared and avoid bill shock.
But pet insurance isn’t just for emergencies. It’s about giving your pet the best life possible — and giving yourself peace of mind.
What’s Driving the Rise in Pet Insurance in Australia?
According to Animal Medicines Australia, nearly 70% of households in Australia own a pet, with spending on veterinary care reaching over $3 billion annually. Vet bills can easily reach thousands of dollars for surgery, diagnostic imaging, or specialist care. Pet insurance is helping thousands of Aussies avoid financial stress when it matters most.
What Do Most Policies Include?
While inclusions vary by provider, most pet insurance plans cover:
- Emergency accidents and injuries
- Common illnesses like ear infections or upset stomachs
- Hospitalisation and overnight stays
- X-rays, ultrasounds and pathology tests
- Prescription medications
Higher-tier or comprehensive policies may also include:
- Dental illness cover
- Routine care such as vaccinations or desexing
- Behavioural therapy
- Physiotherapy or acupuncture
- Third-party liability (dogs only)
Common Reasons Pet Owners Are Taking Out Cover
1. Peace of Mind in an Emergency
A sudden illness or injury can lead to tough decisions if you’re unprepared. With pet insurance, you’re better equipped to focus on care, not costs.
2. Better Access to Treatment
Having cover allows you to consider advanced treatment options or referrals to veterinary specialists without delay.
3. Managing Chronic Conditions
If your dog develops arthritis or your cat is diagnosed with diabetes, ongoing treatment is far more affordable with insurance.
Tips to Get the Most Value Out of Pet Insurance
- Insure early — most policies don’t cover pre-existing conditions
- Choose a provider that lets you tailor your cover and excess
- Compare claim limits and exclusions carefully
- Look for fast claims turnaround and local customer support
Don’t Fall for These Common Pet Insurance Myths
“It’s only worth it for older pets.”
False. Younger pets get more comprehensive cover with fewer exclusions when insured early.
“It won’t cover what I need.”
Many providers now offer flexible plans with options like dental, wellness cover, and alternative therapies.
“Claims take forever.”
Modern providers like PetsOnMe process most approved claims the next business day.
Why Choose PetsOnMe Insurance?
PetsOnMe offers simple, flexible plans made for Australian pet owners:
- Up to 80% back on eligible vet bills
- No lock-in contracts
- Discounts for multiple pets
- 3 plan levels designed to suit every budget
Plus, we’re Aussie-owned and based — we know what local pet owners need.
Still on the fence?
Get a quote in just 2 minutes or explore our plan comparison page to find the right cover for your furry mate.
Pet insurance isn’t just a safety net — it’s a smart way to protect your pet’s health and your wallet.
