1300 489 873
What are the top pet insurance options for active adult dogs? The strongest options combine solid accident cover with illness cover, a high enough annual limit for surgery, and cover for cruciate ligament injuries. For most active dogs, a mid-level plan such as the PetsOnMe Classic Plan, or the Deluxe Plan for extra headroom, is the sweet spot.
What makes active adult dogs different to insure
Dogs that run, swim, hike and chase balls every day live a great life. They also meet more risk. Sprains, cuts, torn nails, swallowed sticks and ligament injuries are all more likely when a dog spends hours on the move.
Adult dogs are also at an age where some illnesses start to show. A plan that only covers accidents may leave gaps. Vet bills for surgery, imaging and hospital stays can run into the thousands, so the right cover matters.
The top options to look for
Rather than chasing a brand name, look for these features. Together they form the strongest options for an active dog.
- Accident and illness cover. Active dogs get hurt, and they also get sick. Cover for both keeps you protected either way.
- Cruciate ligament cover. Cruciate injuries are common in energetic dogs. Check the plan names them and note the longer waiting period.
- A generous annual limit. Surgery plus rehab can add up fast. A higher limit gives you breathing room.
- Tests, surgery and hospitalisation. X-rays, pathology, theatre fees and overnight care are where big vet bills come from.
- Third party liability. If an excited dog causes damage or injury to someone else, this cover can help.
- Tick paralysis cover. Dogs that explore bush, beaches and long grass face a higher tick risk.
- Freedom to choose your vet. When you are on a trip or far from home, you want to see the nearest registered vet.
How the PetsOnMe plans compare for active dogs
PetsOnMe offers three plans. All of them pay back 80% of eligible vet bills, less your excess, and let you visit any registered vet in Australia.
For a young, fit adult dog, the Classic Plan covers the big risks: accidents, illness, cruciate injuries, tests, surgery and hospitalisation. The Deluxe Plan doubles the annual limit and adds select dental illness cover, which suits owners who want the most protection. The Accidental Plan is an option for owners who only want accident cover, or for older dogs who may only qualify for it.
Choosing your excess and payment options
You can choose a $100, $200 or $300 excess. A higher excess lowers your ongoing investment, while a lower excess means you pay less when you claim. Active dogs tend to visit the vet more often, so many owners prefer a lower excess.
You can pay fortnightly, monthly or annually. Paying annually gives you 5% off, and covering two or more pets gives a further 5% off. That helps households with more than one adventure buddy.
What is not covered
No plan covers everything. With PetsOnMe, these are excluded:
- Pre-existing and congenital conditions
- Routine and preventative care, such as vaccinations and check-ups
- Elective procedures
- Breeding and pregnancy
- Behavioural problems
- Dental illness, except the select dental cover in the Deluxe Plan
Waiting periods also apply before some cover starts, and cruciate and hereditary conditions have longer ones. Getting covered before an injury happens is the smart move. Full details are in the Product Disclosure Statement.
Tips to keep an active dog safe
Good cover works best alongside good habits. Warm your dog up with a walk before hard running. Build fitness slowly, avoid exercise in the heat of the day, and check paws and coat for ticks after every outing. See your vet if your dog limps, seems sore or acts out of character.
Frequently asked questions
Which PetsOnMe plan suits an active adult dog?
Most active adult dogs are well served by the Classic Plan, which covers accidents, illness and cruciate ligament injuries. The Deluxe Plan offers a higher annual limit and select dental illness cover.
Does pet insurance cover cruciate ligament injuries?
The PetsOnMe Classic and Deluxe Plans cover eligible cruciate ligament injuries after a longer waiting period. The Accidental Plan does not include this cover.
Can I switch insurers without new waiting periods?
Yes. If you have been with another insurer for 12 months or more with no break in cover, PetsOnMe waives waiting periods for a similar level of cover.
How fast are claims paid?
You can lodge a claim online in a few minutes, and most eligible claims are reimbursed as soon as the next business day, subject to the terms in the PDS.
Ready to get covered?
Give your active dog protection that keeps up with them. compare PetsOnMe plans online or call 1300 489 873 to talk through the right plan.
This article is general information only and isn’t a substitute for advice from your vet. If you’re worried about your pet’s health, contact your vet or an emergency animal hospital straight away.
This article is general information only and doesn’t take into account your objectives, financial situation or needs. PetsOnMe pet insurance is issued by Pacific International Insurance Pty Ltd (ABN 83 169 311 193, AFSL 523921) and distributed by Pets On Me Insurance Pty Limited (ABN 42 650 975 554, AR 1288975), an Authorised Representative of POMI Financial Services Pty Ltd (AFSL 700171). Limits, sub-limits, exclusions and waiting periods apply. Read the Product Disclosure Statement and Target Market Determination at petsonme.com.au before deciding.
