Best Pet Insurance

If you're a pet owner, you probably agree there’s nothing worse than your dog or cat getting sick or hurt. But what happens when vet bills are sky high? Pet insurance can grant you peace of mind, helping your pet get the treatment they deserve, without sending you broke. Continue Reading...

89 listings
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Pet Insurance Australia
  • Award Winner 2022
  • 2021

Pet Insurance Australia

 · includes 3 listings
4.2 from 1,711 reviews

Featured review: Good value. Claims processed quickly. Had insurance for 7 years now. Always been a positive experience. Good communication. Online claims is very convenient. Premiums are priced competitively. Peace of mind.

3 types of insurance to suit a range of budgets
Impressive customer service
Saves money on vet bills
Some services are excluded
  • Transparency
    4.2 (593)
  • Customer Service
    4.3 (664)
  • Value for Money
    4.1 (659)
  • Claim ApprovedYes (583) · No (45)
  • UnderwriterHollard
  • Annual Benefit Limits$8,000 to $15,145
  • Amount of Vet Bill Covered Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded and Not Included
  • Routine Care CoverIncluded and Not Included
  • Tick Paralysis$1,000, $1,200 and Not Included

Best Pet Insurance

Petsy Pet Insurance

Petsy Pet Insurance

 · includes 11 listings
4.9 from 136 reviews

Latest review: I recently had to call and be added to the account for my daughter's policy. The customer service representatives that I've spoken to have been helpful. This is in contrast to the struggles I've had

  • Transparency
    4.9 (97)
  • Customer Service
    4.9 (128)
  • Value for Money
    4.9 (106)
  • Claim ApprovedYes (50) · No (3)
  • UnderwriterHollard
  • Annual Benefit Limits$6,000 to $25,000
  • Amount of Vet Bill Covered Up to 80% to Up to 100%
  • Accidental Injury Cover Included and Not Included
  • Illness CoverIncluded and Not Included
  • Routine Care CoverNot Included and Optional Extra
  • Tick Paralysis$1500, Included and Not Included
2nd Best Pet Insurance
Knose
4.5 from 155 reviews

Latest review: Very easy to make a claim and good communication throughout. If there are delays, this is due to the vet not sending in clinical notes

  • Transparency
    4.6 (132)
  • Customer Service
    4.6 (141)
  • Value for Money
    4.6 (139)
  • Claim ApprovedYes (92) · No (4)
  • UnderwriterAllied World
  • Annual Benefit Limits$25,000
  • Amount of Vet Bill Covered Up to 90%
  • Minimum Pet Age 8 weeks
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverNot Included
3rd Best Pet Insurance
Seniors Pet Insurance
  • Award Winner 2022
  • 2021

Seniors Pet Insurance

 · includes 3 listings
4.4 from 294 reviews

Whether it’s treating injury, sickness, or doing everyday treatments, Seniors Pet Insurance helps you take care of your pet’s health with 3 different levels of cover to suit different breeds and budgets.

Quick, simple claims process
Easy to set up
Helpful, caring customer service
  • Transparency
    4.4 (194)
  • Customer Service
    4.5 (221)
  • Value for Money
    4.3 (218)
  • Claim ApprovedYes (119) · No (12)
  • UnderwriterHollard
  • Annual Benefit Limits$12,000
  • Amount of Vet Bill Covered Up to 60% to Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverIncluded and Not Included
  • Tick Paralysis75% of Vet Expenses, 80% of Vet Expenses and Included
RSPCA Pet Insurance
  • Award Winner 2022

RSPCA Pet Insurance

 · includes 4 listings
4.2 from 5,558 reviews

With four different levels of cover for you to choose from, RSPCA lets you cover up to 80% of eligible vet bills with no excess to pay, so you can have some peace of mind for your furry friend.

Quick to process claims
Helpful, friendly customer service
Simple to set up
  • Transparency
    4.4 (3,893)
  • Customer Service
    4.4 (4,182)
  • Value for Money
    4.2 (4,173)
  • Claim ApprovedYes (2,532) · No (218)
  • UnderwriterHollard
  • Annual Benefit Limits$11,000 to $20,000
  • Amount of Vet Bill Covered Up to 60% to Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverNot Included and Optional Extra
  • Tick Paralysis$1,000, $1,200 and Included
Bow Wow Meow Pet Insurance
  • Award Winner 2022
  • 2021

Bow Wow Meow Pet Insurance

 · includes 3 listings
4.2 from 2,464 reviews

Bow Wow Meow Pet Insurance provides cover for cats and dogs, letting you get up to 80% of vet bills reimbursed, so that you can rest easy knowing your furry companion is protected.

Great customer service
Quick, straightforward claims process
Competitive pricing
  • Transparency
    4.3 (725)
  • Customer Service
    4.4 (807)
  • Value for Money
    4.2 (819)
  • Claim ApprovedYes (710) · No (44)
  • UnderwriterHollard
  • Annual Benefit Limits$10,000 to $20,000
  • Amount of Vet Bill Covered Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded and Not Included
  • Routine Care CoverOptional Extra
  • Tick Paralysis$1,200, $2,000 and $3,000

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Pet Insurance Australia
  • Award Winner 2022
  • 2021

Pet Insurance Australia

 · includes 3 listings
4.2 from 1,711 reviews

With over 40,000 people signed up with Pet Insurance Australia, it’s clear that the insurer’s outstanding customer service, transparency, and value for money have hit a chord with reviewers.

3 types of insurance to suit a range of budgets
Impressive customer service
Saves money on vet bills
Some services are excluded
  • Transparency
    4.2 (593)
  • Customer Service
    4.3 (664)
  • Value for Money
    4.1 (659)
  • Claim ApprovedYes (583) · No (45)
  • UnderwriterHollard
  • Annual Benefit Limits$8,000 to $15,145
  • Amount of Vet Bill Covered Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded and Not Included
  • Routine Care CoverIncluded and Not Included
  • Tick Paralysis$1,000, $1,200 and Not Included
PetSecure

PetSecure

 · includes 2 listings
4.2 from 455 reviews

Latest review: We have been clients of PetSecure for the life of our pet, a pug, 11+years. With a number of claims submitted over that time, they have not yet let us down in their professionalism, and have

  • Transparency
    4.5 (119)
  • Customer Service
    4.6 (131)
  • Value for Money
    4.4 (134)
  • Claim ApprovedYes (134) · No (2)
  • UnderwriterHollard
  • Annual Benefit Limits$8,000 to $12,000
  • Amount of Vet Bill Covered Up to 85%
  • Accidental Injury Cover Included
  • Illness CoverIncluded and Not Included
  • Routine Care CoverOptional Extra
  • Tick Paralysis$500 and Not Included
Guide Dogs Pet Insurance

Guide Dogs Pet Insurance

 · includes 3 listings
4.1 from 419 reviews

Latest review: Have the top policy, have had multiple injuries, consults and illnesses covered. Never an issue, claims processed within a week. Phone wait can be long but they are always

  • Transparency
    3.9 (333)
  • Customer Service
    4.0 (347)
  • Value for Money
    3.9 (348)
  • Claim ApprovedYes (183) · No (29)
  • UnderwriterHollard
  • Annual Benefit Limits$15,000 to $20,000
  • Amount of Vet Bill Covered Up to 75% to Up to 85%
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverOptional Extra
  • Tick Paralysis$1,500 and $2,000
Trupanion
4.7 from 49 reviews

Unlike many other pet insurance companies, Trupanion gives pet owners with dogs and cats unlimited payouts, with no sub-limits for eligible claims.

No caps on claim amounts
Covers 90% of eligible costs
Speedy claims process
  • Transparency
    4.6 (45)
  • Customer Service
    4.7 (46)
  • Value for Money
    4.6 (47)
  • Claim ApprovedYes (40) · No (0)
  • UnderwriterHollard
  • Annual Benefit Limits$100,000
  • Amount of Vet Bill Covered Up to 90%
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverNot Included
  • Tick ParalysisIncluded
Real Pet Insurance

Real Pet Insurance

 · includes 3 listings
3.9 from 331 reviews

Latest review: Quick claim resolve. Good communication throughout. Prices go up well above CPI. BUT, given REAL is an insurance

  • Transparency
    4.4 (207)
  • Customer Service
    4.4 (229)
  • Value for Money
    4.2 (226)
  • Claim ApprovedYes (167) · No (12)
  • UnderwriterHollard
  • Annual Benefit Limits$12,000
  • Amount of Vet Bill Covered Up to 60% to Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverNot Included and Optional Extra
  • Tick Paralysis$1,000, $1,200 and Included
Petinsurance.com.au

Petinsurance.com.au

 · includes 7 listings
4.1 from 61 reviews

Latest review: Commencing my surender dog Zeus's insurance cover from 7th August 2022. Great cover, great $ price, featured all insured items covered and straight forward easy online

  • Transparency
    4.4 (41)
  • Customer Service
    4.3 (42)
  • Value for Money
    4.4 (41)
  • Claim ApprovedYes (21) · No (2)
  • UnderwriterHollard
  • Annual Benefit Limits$3,000 to $10,000
  • Amount of Vet Bill Covered Up to 80%
  • Accidental Injury Cover Included and Not Included
  • Illness CoverIncluded and Not Included
  • Routine Care CoverIncluded and Optional Extra
  • Tick Paralysis$1,000, $1,500 and $500
Bupa Pet Insurance

Bupa Pet Insurance

 · includes 3 listings
3.4 from 139 reviews

Latest review: Purpose of insurance is to have the protection in case something unfortunate happens to your pet, and Bupa is definitely a player who is solely in the market to profit, mislead and scam from its

  • Transparency
    2.7 (48)
  • Customer Service
    3.1 (61)
  • Value for Money
    3.0 (58)
  • Claim ApprovedYes (38) · No (13)
  • UnderwriterHollard
  • Annual Benefit Limits$6,000 to $20,000
  • Amount of Vet Bill Covered Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded and Not Included
  • Routine Care CoverNot Included and Optional Extra
  • Tick Paralysis$1,000, $1,500 and Not Included
Petcover

Petcover

 · includes 9 listings
2.9 from 1,186 reviews

Latest review: Although we have been with them since our dog was a puppy (previously Petplan before they were merged into Petcover), as soon as he turned 8 they: - spiked up the premium, - only pay out 80%

  • Transparency
    4.0 (484)
  • Customer Service
    3.9 (518)
  • Value for Money
    3.8 (521)
  • Claim ApprovedYes (462) · No (31)
  • UnderwriterLloyd's
  • Annual Benefit Limits$7,000 to $20,000
  • Amount of Vet Bill Covered Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverNot Included
  • Tick ParalysisNot Included
Prosure

Prosure

 · includes 3 listings
3.2 from 62 reviews

Latest review: Prosure have been amazing through the lives of my last 3 dogs. Over the last 12 months they have made allowances for late payments, been incredibly flexible about visitation notes, covered euthanasia

  • Transparency
    3.7 (19)
  • Customer Service
    3.5 (22)
  • Value for Money
    3.5 (21)
  • Claim ApprovedYes (12) · No (3)
  • UnderwriterHollard
  • Annual Benefit Limits$8,000 to $14,500
  • Amount of Vet Bill Covered Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded and Not Included
  • Tick Paralysis$1,000, $500 and Not Included
Guardian Pet Insurance

Guardian Pet Insurance

 · includes 3 listings
3.3 from 27 reviews

Latest review: My policy for my pet was just what I needed.My claims were usually promptly solved.Have been with company for quite a few years.Can't remember how many. Thank-you for your professional years of

  • Transparency
    4.2 (14)
  • Customer Service
    4.2 (14)
  • Value for Money
    4.1 (15)
  • Claim ApprovedYes (12) · No (2)
  • UnderwriterHollard
  • Annual Benefit Limits$12,000
  • Amount of Vet Bill Covered Up to 60% to Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverIncluded and Not Included
  • Tick Paralysis$1,000, $1,200 and Included
Petmed

Petmed

 · includes 2 listings
2.6 from 66 reviews

Latest review: the Premium is off the charts. for comparison my premium is set at $112 a month compared the alternate provider at exactly half is $56 . the process of cancellation is a nightmare. they have a

  • Transparency
    3.5 (11)
  • Customer Service
    3.4 (12)
  • Value for Money
    3.2 (12)
  • Claim ApprovedYes (6) · No (2)
  • UnderwriterHollard
  • Annual Benefit Limits$15,000 to $18,000
  • Amount of Vet Bill Covered Up to 65% to Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverOptional Extra
  • Tick Paralysis$500 and $500 or $1,000
Woolworths Pet Insurance

Woolworths Pet Insurance

 · includes 5 listings
2.3 from 519 reviews

Latest review: No! I missed a payment due to the fact they never take out my premium via direct debit so have to call them to pay. I was in England and forgot to call. They emailed a “good will gesture” they call i

  • Transparency
    2.2 (178)
  • Customer Service
    2.4 (197)
  • Value for Money
    2.2 (194)
  • Claim ApprovedYes (66) · No (72)
  • UnderwriterHollard
  • Annual Benefit Limits$5,000 to $30,000
  • Amount of Vet Bill Covered Up to 80%
  • Accidental Injury Cover Included and Not Included
  • Illness CoverIncluded and Optional Extra
  • Routine Care CoverNot Included and Optional Extra
  • Tick Paralysis$1,500, $2,000, $3,000 and Not Included
Budget Direct Pet Insurance
4.4 from 9 reviews

Latest review: My dog Winston ended up in and out of hospital for ingesting a bone. There was three different claims made in total and I was only charged the excess once. I also got back 80 percent of everything

  • Transparency
    4.3 (7)
  • Customer Service
    4.3 (7)
  • Value for Money
    4.1 (8)
  • Claim ApprovedYes (3) · No (0)
  • UnderwriterAuto & General Services
  • Annual Benefit Limits$12,000
  • Amount of Vet Bill Covered Up to 80%
  • Minimum Pet Age 8 weeks
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverNot Included
  • Tick Paralysis$1,500
RACQ Pet Insurance
2.4 from 59 reviews

Latest review: Signing up was a great experience: the person really listened to me, we chatted and laughed, and I felt I had been sold a quality product. Now I have made a claim however..... what an absolute joke.

  • Transparency
    2.5 (22)
  • Customer Service
    2.7 (26)
  • Value for Money
    2.7 (24)
  • Claim ApprovedYes (10) · No (9)
  • UnderwriterRACQ Insurance Limited
  • Annual Benefit Limits$12,000
  • Amount of Vet Bill Covered Up to 80%
  • Minimum Pet Age 8 weeks
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverOptional Extra
  • Tick ParalysisNot Included
Medibank Pet Insurance

Medibank Pet Insurance

 · includes 3 listings
2.1 from 381 reviews

Latest review: We signed up to Medibank pet insurance when we rescued our one year old staffy cross back in 2018, and I couldn't be happier with our decision. Around a year later, our formerly perfectly healthy dog

  • Transparency
    2.1 (110)
  • Customer Service
    2.4 (122)
  • Value for Money
    2.1 (119)
  • Claim ApprovedYes (50) · No (33)
  • UnderwriterHollard
  • Annual Benefit Limits$4,000 to $15,000
  • Amount of Vet Bill Covered Up to 70% to Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded
  • Routine Care CoverIncluded and Optional Extra
  • Tick Paralysis$1,000 and $1,200
Ad
Pet Insurance Australia
  • Award Winner 2022
  • 2021

Pet Insurance Australia

 · includes 3 listings
4.2 from 1,711 reviews

Featured review: Good value. Claims processed quickly. Had insurance for 7 years now. Always been a positive experience. Good communication. Online claims is very convenient. Premiums are priced competitively. Peace of mind.

3 types of insurance to suit a range of budgets
Impressive customer service
Saves money on vet bills
Some services are excluded
  • Transparency
    4.2 (593)
  • Customer Service
    4.3 (664)
  • Value for Money
    4.1 (659)
  • Claim ApprovedYes (583) · No (45)
  • UnderwriterHollard
  • Annual Benefit Limits$8,000 to $15,145
  • Amount of Vet Bill Covered Up to 80%
  • Accidental Injury Cover Included
  • Illness CoverIncluded and Not Included
  • Routine Care CoverIncluded and Not Included
  • Tick Paralysis$1,000, $1,200 and Not Included
Page 1 of 2

A man and his dog spending quality time at the park

Is pet insurance worth it?

Pet insurance may be worth it if you don't think you'll be able to afford the upfront costs of paying for veterinary treatment when your dog or cat is sick or injured.

This is the primary reason pet insurance exists - to help you afford veterinary costs. The nature of an accident or even an unexpected illness is that it's sudden and unplanned. If you don't have enough money saved up for a rainy day, you could find yourself in a stressful situation, prolonging treatment for your pet until you figure out how to get the money.

How does pet insurance work?

Pet owners pay an insurance premium, which is usually deducted monthly. When the time comes for you to claim, your pet insurer will cover a certain percentage of eligible vet bills, up to the annual limit specified by your policy.

This usually falls within the gambit of 65-85% of the bill, depending on the level of cover you've chosen. For certain conditions, you may have to pay both an excess and a co-payment.

How much is pet insurance in Australia?

MoneySmart estimates that the cost of a monthly pet insurance premium is around $20-60, which amounts to a higher-end figure of $720 per year. This is comparable to the sum you’d spend on ‘premium dog food, plus treats’ which MoneySmart ballparks at $800 per year.

The exact price of a pet insurance premium is tricky to zero in on, as it depends on several factors that make each pet insurance quote unique. Here are some of the primary factors that will affect the price of your premium.

Your pet’s age, breed and species

Cute French Bulldog pup
A French Bulldog puppy.

Age: The best time to insure your pet is when they’re still a puppy or a kitten. Many policies allow coverage from 8 weeks old. Insuring your pet while they're young means they're less likely to develop a pre-existing condition that's excluded from coverage. The older your pet becomes, the more expensive pet insurance becomes, too.

Species: Pet insurance is mainly available for dogs and cats, however some insurers offer coverage for other animals, too (like 'exotic' pet insurance for rabbits or birds).

Cat insurance is generally cheaper than dog insurance, and there’s less of a price discrepancy between cat breeds, whereas for dogs the cost of a premium will fluctuate greatly depending on their breed.

Breed: Some breeds have inherent health conditions that make them more expensive to insure. For example, the average cost of insuring a 1-year old French Bulldog on an annual comprehensive policy is around $1,456, compared to $610 for a Jack Russell terrier.

Excess

The amount of excess you choose to pay also effects the price of your premium (a lower excess equals a higher premium). Some pet insurance plans are 'no excess,' but will cost more each month.

Excesses may be charged as a one-off per condition - letting you claim on the same condition multiple times in a year, while only paying an excess once. They can alterntively be charged each time you claim for that condition. Sometimes an insurer will require a co-payment along with an excess fee.

Discounts

Some pet insurers offer discounts as incentives. For example, you may receive a discount if your pet is desexed and microchipped, if you have multiple pets insured with the same provider (a 'multi-pet policy,') or if you have other active policies with the insurer. For example, some companies offer pet insurance as an add-on to home and contents insurance - however coverage is usually limited.

Your chosen level of cover

There are usually three tiers of pet insurance you can opt for, discussed below. Accident-only coverage is the budget option, whereas a comprehensive policy equates to a higher premium.

Types of Pet Insurance

A dog and a cat resting and cuddling together at home

Accident-only coverage

This most basic policy type covers your pet for accidental injury, but excludes coverage if they become ill. Note that some insurers don’t offer this policy type. Instead, they skip straight up to the next level, which is the case with Seniors Pet Insurance.

Accident and Illness coverage

This provides coverage in the event of accidental injury or illness. This is the mid-tier level of coverage, and often the most popular policy with pet owners in Australia.

Comprehensive Pet Insurance

Comprehensive policies offer coverage for all manner of misfortunes that could befall your pet, including accidents and illnesses. This includes the costs of surgery, hospitalisation, and medication.

Routine care, also called preventative care, may be offered as a standard inclusion or an optional extra as part of a comprehensive policy. The benefit amount isn’t usually very high, and may or may not include treatments or procedures like dental care, vaccinations, flea, tick and worm control.

Note that a routine care benefit is often differentiated from vet’s consultation visits in a policy. Make sure to clarify the difference between them with your insurer before signing up.

Is there anything a pet insurance policy won't cover the cost of?

Yes - there are actually several types of conditions, treatments or circumstances that may exclude you from being reimbursed by a pet insurance provider.

Pet insurance policies can be tricky to navigate, because of the sheer number of exclusions and trying to understand the differences in wording. Make sure to scour a Product Disclosure Statement and know the terms and conditions before committing, to ensure you’re getting the optimum protection for your animal companion.

General Exclusions

While these will be covered in your specific policy, here are some examples of general exclusions commonly found in pet insurance policies:

  • Bilateral conditions: These refer to pre-existing conditions that affect two parts of the body. For example, if your pet had a condition in their left eye, they won't be covered if they later develop that same condition in their right eye.
  • Elective treatments: These may actually be included - but only in some comprehensive policies. They refer to any treatments that are 'not medically necessary,’ such as de-sexing, orthodontics and check-ups.
  • Diseases with a known vaccine: If the disease could have been preventied by a vaccinaton (such as kennel cough) it's excluded.
  • Dental treatments: While dental disease is one of the most common medical conditions in dogs over four years old, most pet insurance policies exclude it. This includes cleaning, orthodontics and treatment for gum disease.

Other Exclusions

Pre-existing conditions

This refers to any illnesses or injuries that your pet has, which you’re aware of. You’re required to disclose these to your insurer when applying for pet insurance. They will make the cost of your premium higher.

Pretty much all pet insurance companies will exclude pre-existing conditions from being covered. This is another reason why it’s important to get pet insurance as early as possible into the life of your pet, when they have few to no pre-existing conditions.

Waiting periods

Just like human health insurance, waiting periods also apply for pet insurance. In most cases, for routine treatments you can make a claim after serving a 30-day waiting period. However for more serious health conditions like tick paralysis and cruciate ligament problems, you might have to wait up to 6 months.

Sub-limits

While you'll have an annual benefit limit, which caps the costs you can claim, there are also sub-limits. For certain conditions, you can only claim up to a certain amount each year - even if you have 'spare' money in your overall benefit limit. These include conditions such as tick paralysis and cruciate ligament issues.

Age restrictions on illness cover

Many pet insurers exclude illness coverage for pets nine years and older (however accident cover is always available, regardless of age).

Switching insurance providers when your pet is a senior is often a headache. You'll have to list their medical history as pre-conditions, which makes coverage much more expensive than if you'd stayed on the same policy from the get-go.

Sometimes the only way to avoid this is to sign up to a lifetime pet insurance policy, as opposed to an annual policy, referred to as a time-limited policy. This means your pet will be comprehensively insured throughout their lifetime. Keep in mind though that lifetime policies are dearer than time-limited ones.

Alternatives to Pet Insurance

If the idea of being locked into a monthly pet insurance premium seems daunting, you're not alone. According to the RSPCA, only 30% of dog owners and 21% of cat owners had pet insurance in 2019.

So what are the alternatives?

Dedicated savings account

Some families set money aside into a special savings account for their pet. Whether you'll have enough saved up when the time comes can be hard to predict with this contingency plan. For some pet owners, a temporary savings accounts may be a good option while they sit through longer, 6-month waiting periods at the start of their policies.

Vet payment plans

Some vets offer these, but they exclude a number of the benefits afforded by insurance, such as expensive surgery costs.

Ultimately, while pet insurance can be expensive and confusing, the truth is that some accidents can throw you a real curve ball, like your dog ingesting a foreign object, or your cat falling from a height. It can be heartbreaking to watch your pet suffer without having a means of helping them.

Many pet insurance reviews on ProductReview noted that without pet insurance they might not have been able to ‘keep' their pet. Since around 10% of vet visits result in pets being put to sleep according to Pet Insurance Australia, paying a monthly premium seems like a small price to pay to safeguard the precious life of your fur baby.

The bottom line

Pet insurance can really help ease some of the burden associated with your pet becoming sick or injured unexpectedly. There are different levels of cover that can cater to your budget, however always make sure that the policy you choose is the right match for your pet's age, breed and any existing or foreseeable health conditions.

Know your non-negotiables when it comes to what you want to claim, and always read the PDS carefully to ensure that these benefits are not ruled out by any policy exclusions.

Disclaimer: The information on this website is for general information only. It should not be taken as constituting professional advice from the website owner - ProductReview.com.au. ProductReview.com.au is not a financial adviser. You should consider seeking independent legal, financial, taxation or other advice to check how the website information relates to your unique circumstances. ProductReview.com.au is not liable for any loss caused, whether due to negligence or otherwise arising from the use of, or reliance on, the information provided directly or indirectly, by use of this website.