1300 489 873In Australia, our pets are part of the family. Whether it’s a dog that follows you everywhere or a cat that rules the household, their health is a priority. And just like human healthcare, veterinary care can be expensive. That’s why more Australian pet owners are turning to pet insurance.
But pet insurance isn’t just about comparing prices or plans — it’s about understanding what it can do for your pet and your peace of mind.
What Is Pet Insurance in Australia?
Pet insurance is a policy that reimburses you for some or most of the cost of eligible veterinary treatment. From unexpected accidents like snake bites or broken bones to chronic illnesses such as diabetes or skin conditions, having cover means you’re not faced with tough financial decisions when your pet needs help most.
According to the RSPCA, the average vet bill in Australia ranges from $500 to $1,200 for common treatments, while emergency procedures can exceed $5,000.
What Does Pet Insurance Actually Cover?
Most Australian pet insurance providers offer plans that fall into three categories:
- Accident Only: Covers injuries caused by mishaps like car accidents or bites.
- Accident & Illness: Adds coverage for common illnesses and infections.
- Comprehensive Plans: May include dental, routine care, and wellness extras.
It’s important to note that not everything is covered. Pre-existing conditions are generally excluded, and optional extras (like dental or routine care) may cost more.
Why Pet Insurance Is More Than a Financial Product
1. It Gives You Freedom of Choice
When your pet is sick, the last thing you want to worry about is cost. Pet insurance helps ensure you can choose the best treatment available — whether it’s a specialist or advanced surgery — without delay.
2. It Encourages Preventative Health
Many policies now offer benefits for preventative care. That means you’re more likely to keep up with check-ups, vaccinations, and dental cleanings — all of which reduce the chance of major problems down the track.
3. It Supports Long-Term Pet Health
As pets age, they’re more likely to develop chronic conditions like arthritis, kidney disease, or diabetes. The right insurance means those conditions are manageable — not financially draining.
Common Myths About Pet Insurance
“I’ll just pay out of pocket if something happens.”
Vet bills can escalate quickly. A surgery for a torn ligament or the removal of a foreign object can cost thousands. Pet insurance spreads the risk and cost out over time.
“It’s only worth it for sick pets.”
Actually, insurance is most effective when taken out early — before any conditions arise. This ensures broader coverage and fewer exclusions.
“Claims are too hard.”
Today’s providers have simplified the process with mobile apps, fast payouts, and no paperwork. PetsOnMe, for example, offers next-business-day processing on approved claims.
How Aussies Are Using Pet Insurance Today
Research shows that about 32% of dog owners and 18% of cat owners in Australia currently have pet insurance. This number is growing as more people realise the financial protection and health benefits it provides.
They’ve experienced:
- The peace of mind that comes with knowing their pet is protected
- The relief of not having to dip into savings during a pet emergency
- The convenience of claiming vet bills online in minutes
Choosing a Provider That Understands Aussie Pets
PetsOnMe is an Australian-owned pet insurer that puts pets (and their people) first. With no lock-in contracts, simple plans, and coverage tailored to your pet’s needs, it’s never been easier to get started.
Want to learn more?
Get a quote in under two minutes or explore our comparing policies page to find the right cover for your pet.
Don’t wait for something to go wrong — be ready when it does.
