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Pet Insurance

What is pet insurance?

If your pet has an accident or serious illness, you might need to find some funds in a hurry for medical costs. Owning a pet is a privilege and providing health care is just one of the expenses you need to be prepared for, just like providing food. The Australian Veterinary Association strongly supports pet insurance. We don’t recommend any specific scheme, as all policies are different. Check the details of each option to see whether it meets your needs, or ask a qualified insurance adviser about what will suit you best.

Pet insurance mainly provides cover for veterinary fees if your pet is injured or becomes ill. It can give you peace of mind that you’re in a position to afford all the veterinary care that your pet might need.

What are the benefits of taking out pet insurance?

Pet insurance mainly provides cover for veterinary fees if your pet is injured or becomes ill. Other benefits may include:

  • Paying the costs of looking after your pet if you are to go into hospital for emergency medical treatment.
  • The cost of emergency veterinary treatment if you take your pet abroad.


There are different types of pet insurance policies available to pet owners in what is becoming an increasingly competitive industry.


Types of Cover

Accident cover is a level of insurance that covers problems or injuries caused by some sort of accident only – such incidents as being hit by a car. Realistically, it is accidents that are most likely to cause you sudden financial pain. Accidents can happen anywhere and don’t necessarily involve a road – the Australian Veterinary Association, for example, is currently warning pet owners to be aware that warmer weather and dryer conditions herald the arrival of snakes, which are a serious risk for dogs in particular.

Accident and illness cover provides insurance not only for accidents but also sickness or disease diagnosed by a vet. Examples of illnesses covered are cancer, infectious diseases, hereditary conditions and skin conditions.

Comprehensive Cover. This level of insurance covers animals for accidents and illness but also includes a component of insurance for “routine care”, which can provide pets with access to some preventative health treatments, including behavioural therapy, de-sexing, dental and vaccinations.


Check out the Canstar Pet Insurance Report here where they researched and rated 83 insurance products from 18 providers to ascertain which policies offer outstanding value for pet owners.