1300 489 873Whether you’re a new pet parent or looking to switch providers, understanding pet insurance plans in Australia is a smart step toward protecting your furry companion. Vet care costs in Australia are on the rise, and a single emergency visit can cost thousands. That’s where pet insurance steps in—to help cover the costs of unexpected accidents, illnesses, and even routine care depending on your plan.
What Is Pet Insurance?
Pet insurance helps cover the cost of veterinary treatment for your pet when they get sick or injured. In Australia, most providers reimburse between 70% and 90% of eligible vet bills, up to an annual limit. Some plans also include cover for routine care, behavioural therapy, and even dental.
What Do Pet Insurance Plans Cover?
While cover varies by provider, most pet insurance policies in Australia include:
- Accidents: Like broken bones, lacerations, poisoning, and car accidents.
- Illnesses: Including infections, digestive issues, arthritis, and cancer.
- Surgery and hospitalisation
- Specialist and emergency care
- Prescribed medications and tests
- Optional routine care (vaccinations, desexing, flea and worming)
Some comprehensive pet insurance plans also offer:
- Dental illness cover
- Alternative therapies like acupuncture or physiotherapy
- Behavioural therapy
- Third-party liability cover (especially useful for dog owners)
Common Exclusions
Like all insurance, pet cover comes with exclusions. Common exclusions include:
- Pre-existing conditions
- Elective or cosmetic procedures
- Pregnancy or breeding-related costs
- Pet accessories, grooming, and food
- Injuries caused during unregistered or commercial use (e.g. racing)
Types of Pet Insurance Plans in Australia
Accident-Only Cover
- Lowest premiums
- Covers only accidental injuries
- Ideal for young, healthy pets
Accident and Illness Cover
- Covers accidents plus common illnesses
- Most popular option in Australia
- Balanced protection for most pet owners
Comprehensive Cover
- Includes accidents, illness, and extras like routine care
- Great for senior pets or pets with known risks
- Higher premiums, but broader protection
Comparing plans is key to finding the perfect cover for you and your pet!
How to Choose the Right Pet Insurance Plan
1. Know Your Pet’s Risk Profile
Different breeds have different risk levels. For example, Labradors are prone to hip dysplasia, while Persian cats may face kidney issues. Insure early to avoid pre-existing condition exclusions.
2. Compare Annual Limits and Sub-Limits
Look beyond the overall annual limit—some policies cap pay-outs for certain treatments like tick paralysis or cruciate ligament surgery.
3. Consider Reimbursement Rates and Excess Options
Higher reimbursement means lower out-of-pocket costs but typically comes with higher premiums. Choose a plan that balances cost with peace of mind.
4. Understand Waiting Periods
All pet insurance plans have waiting periods, usually 30 days for illness and up to 6 months for specific conditions. Some providers waive these for customers switching from another insurer.
5. Check the Claims Process
Choose a provider with a simple online claims process and fast reimbursements. Some, like PetsOnMe, offer next-business-day processing and no paper forms.
Is It Worth Switching Pet Insurance Providers?
Absolutely—especially if you’re not happy with your current cover, costs, or service. PetsOnMe even waives waiting periods for customers who’ve had continuous cover with another insurer.
Other reasons to switch:
- Your current policy doesn’t cover hereditary conditions
- Premiums have increased year over year
- Claims take too long to process
- You want more flexible excess or plan options
Why Pet Owners Trust PetsOnMe Insurance
- No lock-in contracts or cancellation fees
- Fast online claims with same-day processing
- Coverage for dogs and cats of all breeds and ages
- Plans that fit your budget—from basic to comprehensive
- 5% multi-pet discounts and rewards for annual payment
Make sure your fur-baby is covered by getting trustworthy insurance today.
