Compare pet insurance in Australia

What should I compare before choosing pet insurance?

Start with the maximum yearly benefit, reimbursement rate, accidental injury cover and illness cover, then review waiting periods, sub-limits and exclusions before you request a quote.

Why does the reimbursement rate matter on a pet insurance policy?

The reimbursement rate helps show how much of an eligible vet bill may be paid back after your excess and policy terms are applied, so it can have a big effect on out-of-pocket costs.

Is a higher yearly benefit always better?

Not always. A higher annual limit can be useful, but it still helps to compare reimbursement rates, waiting periods, exclusions and any treatment-specific sub-limits.

What is the difference between accident cover and illness cover?

Accident cover is designed around injuries from sudden incidents, while illness cover extends protection to sickness and more complex medical conditions subject to the policy terms.

What should I check before clicking through to a pet insurer?

Review the product disclosure statement, check waiting periods, annual limits, claim exclusions and any treatment-specific sub-limits that matter for your pet.

Is the cheapest pet insurance policy always the best option?

Not always. Lower premiums can come with lower annual limits, narrower cover or more exclusions, so it helps to compare value as well as price.