1300 489 873There’s no shortage of opinions on pet insurance — and not all of them are accurate. As more Australians bring home puppies, kittens, or adopt older pets, understanding how pet insurance really works has never been more important. We’re here to set the record straight and debunk the top misconceptions keeping Aussie pet parents from protecting their furry family members.
Myth 1: “It’s only worth it if your pet gets really sick.”
Truth: While pet insurance certainly helps with serious illnesses, it’s just as valuable for unexpected emergencies. A single trip to the emergency vet — such as for a snake bite, broken limb, or ingestion of a foreign object — can cost over $2,000. According to the Australian Veterinary Association, emergency procedures can reach up to $5,000 depending on severity and location.
With the right policy, you’re covered for both sudden events and chronic conditions like arthritis, diabetes, or allergies — especially if you start when your pet is young and healthy.
Myth 2: “It’s too expensive.”
Truth: Pet insurance is more affordable than most pet owners think. Basic accident-only cover can start from just $20/month, while comprehensive policies for younger pets often range between $30–$60/month. You can also customise premiums by adjusting your annual benefit limits, excess, and reimbursement level.
Plus, the financial relief at claim time can far outweigh the monthly cost — especially if you face a $3,000 surgery or recurring specialist fees.
Myth 3: “Claims are complicated.”
Truth: Modern insurers like PetsOnMe Insurance offer fast, online claim lodgement. With our simple upload process, many claims are reviewed and paid within one business day. There’s no paperwork, no postage, and no stress.
Pet owners can also track claim history and access policy details through their customer portal, making everything transparent and easy.
Myth 4: “My pet is healthy — I don’t need it.”
Truth: Pet insurance isn’t just for when things go wrong — it’s a proactive safety net. Insuring your dog or cat early, before they develop conditions, means better coverage and fewer exclusions. Once a condition is diagnosed, it may be considered pre-existing — and no longer claimable with most providers.
In fact, PetsOnMe offers generous coverage for new illnesses and injuries if your policy is active before symptoms appear. Don’t wait until it’s too late.
Myth 5: “Nothing will be covered.”
Truth: While each plan has its own limits and exclusions, most policies cover:
- Vet consultations and hospitalisation
- X-rays, ultrasounds and diagnostics
- Prescription medication
- Orthopaedic surgeries
- Behavioural therapy (with eligible policies)
Some policies even include optional extras for routine care — like vaccinations, worming, and dental checks. It all depends on your level of cover and insurer.
Final Thoughts: Don’t Let Myths Stop You from Protecting Your Pet
At the end of the day, pet insurance isn’t just about saving money — it’s about peace of mind. Knowing you can say “yes” to treatment without hesitation could save your pet’s life and protect your finances.
Whether you have a playful puppy, a curious kitten, or a senior rescue, there’s a policy to suit your needs.
