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Whether you’ve just welcomed a new puppy or kitten, or you’re thinking about switching from your current provider, finding the right pet insurance plan in Australia can be overwhelming. Vet bills are rising, and not all policies offer the same protection. In this guide, we’ll break down what pet insurance plans typically cover, how they work, and how to choose the best one for your dog or cat.
What Are Pet Insurance Plans?
Pet insurance plans help cover the cost of unexpected vet bills caused by accidents or illness. Most Australian policies allow you to claim back a percentage (usually 70–85%) of eligible expenses. You’ll pay your vet upfront, then lodge a claim online or through an app. Providers like PetsOnMe make this easy with fast reimbursements, flexible cover, and no lock-in contracts.
What’s Covered?
A typical pet insurance plan in Australia includes:
- Accidents: Like broken bones, car accidents, or bite wounds.
- Illnesses: Such as skin infections, ear problems, or serious diseases like cancer or diabetes.
- Surgery and hospitalisation
- Diagnostic tests and imaging
- Prescribed medications
- Optional routine care (e.g., vaccinations, dental, desexing – depending on your plan)
Exclusions often include pre-existing conditions, pregnancy-related care, or elective procedures.
Choosing the Right Plan
Consider Your Pet’s Needs
Puppies and kittens benefit from early cover before any conditions arise. Breed-specific needs (e.g. Bulldogs and respiratory issues, or Maine Coons and heart disease) may require more comprehensive plans.
Balance Budget and Benefits
Cheaper accident-only plans suit young, healthy pets. More inclusive accident & illness plans are ideal for older pets or high-risk breeds. Be sure to check annual benefit limits, reimbursement percentages, and excess amounts.
Check Waiting Periods and Exclusions
Waiting periods apply when a policy starts – usually 1-2 days for accidents and up to 30 days for illnesses. Some conditions (like cruciate ligament injuries) may have longer waits.
Make sure you compare different plans to ensure you choose the best fit for your pet!
Thinking About Switching Providers?
Switching can give you better value or service – just ensure there’s no gap in coverage. At PetsOnMe, we waive standard waiting periods if you’ve had continuous cover with another provider.
Why Pet Owners Choose PetsOnMe:
- Award-winning Aussie-owned cover
- Choice of three plans: Accident, Classic, Deluxe
- Up to 80% back on eligible vet bills
- No lock-in contracts or cancellation fees
- Discounts for multiple pets
Get your Quote today to make sure your furry friend is covered the best.
