Best pet insurance in Australia | Top Ranking 2025
- Most comprehensive plan available.
- Includes dental illness cover.
- Covers hereditary conditions.
- Third-party liability included.
- Covers prescribed medications.
- Most comprehensive plan available.
- Includes dental illness cover.
- Covers hereditary conditions.
- Third-party liability included.
- Covers prescribed medications.
Pets On Me’s Deluxe Plan offers customizable reimbursement rates and per-event excesses. It provides comprehensive coverage for accidents and illnesses, including hereditary conditions with an annual sub-limit, and third-party liability. Dental illness cover is included for specific conditions like abscesses and gingivitis, contingent on annual vet dental checks. Preventive care is excluded. The plan's annual coverage limit is not specified in the provided documentation. Waiting periods include 21 days for illness and 180 days for cruciate, hereditary, and dental conditions.
Positioned as Pets On Me’s most extensive offering, the Deluxe Plan stands out for its inclusion of dental illness and hereditary condition coverage, often optional or excluded in basic plans. However, its strict exclusions for brachycephalic airway syndrome and the limitation on chronic conditions to the first year of diagnosis represent significant weaknesses compared to more inclusive market alternatives.
The insurer supports digital claims submission via its online portal. No advance payment service like Payvet is mentioned, nor is an average reimbursement processing time. Value-added services such as 24/7 vet helplines are not referenced.
This plan suits pet owners seeking broad accident and illness coverage, including specific dental and hereditary benefits, who are comfortable with defined exclusions and the necessity of regular veterinary dental examinations. It appeals to those who value the flexibility of selecting their reimbursement rate and excess.
- High $30,000 annual limit offers extensive cover.
- No sub-limits per condition, only annual cap.
- Excess applies once per condition for pet's life.
- Direct-to-vet claims possible for convenience.
- 24/7 in-app vet support for emergencies.
- High $30,000 annual limit offers extensive cover.
- No sub-limits per condition, only annual cap.
- Excess applies once per condition for pet's life.
- Direct-to-vet claims possible for convenience.
- 24/7 in-app vet support for emergencies.
Fetch Pet Insurance provides a comprehensive plan in Australia, featuring a $30,000 annual coverage limit without sub-limits on individual conditions. Policyholders customise their reimbursement rate (70%, 80%, or 90%) and excess, which applies once per condition for the pet's lifetime. The plan covers a broad spectrum of care, including accidents, illnesses, diagnostics, surgeries, hospitalisation, and prescribed medications. Dental injury and illness are covered under specific conditions, notably excluding routine cleanings and pre-existing issues. Preventive care is not included.
This plan's modularity allows precise customisation of financial contribution. Its high annual limit and absence of per-condition sub-limits position it strongly for extensive medical events in the Australian market. A key limitation is the exclusion of routine and preventive care, alongside strict dental and certain complementary therapy limitations.
Fetch operates as a fully digital, app-managed insurer. It offers 24/7 in-app vet support and facilitates digital claims submission, with pre-approvals available. Reimbursement processing is generally fast, as reported by customers, though no advance payment service is offered.
This plan suits pet owners prioritising substantial accident and illness coverage without per-condition caps. It appeals to those who value digital convenience and the flexibility to tailor their financial contribution, rather than seeking integrated routine care benefits.
- Illness cover included: Covers common pet illnesses.
- Hereditary conditions covered: Hereditary conditions covered with sub-limit.
- Third-party liability included: Protects against pet-caused damage/injury.
- Accident cover provided: Essential protection for unexpected injuries.
- Non-elective euthanasia: Covers end-of-life costs.
- Illness cover included: Covers common pet illnesses.
- Hereditary conditions covered: Hereditary conditions covered with sub-limit.
- Third-party liability included: Protects against pet-caused damage/injury.
- Accident cover provided: Essential protection for unexpected injuries.
- Non-elective euthanasia: Covers end-of-life costs.
Pets On Me's Classic Plan offers customizable reimbursement rates and per-event excesses, with the annual coverage limit not specified in the provided documentation. It comprehensively covers accidents and illnesses, including diagnostics, surgeries, hospitalizations, prescribed medications, and non-elective euthanasia. Hereditary conditions are covered, subject to an annual sub-limit and a 180-day waiting period. Third-party liability is also included. Preventive care and dental illness are explicitly excluded from this plan.
The plan's flexibility allows policyholders to select their preferred reimbursement percentage and excess structure. Positioned as a mid-tier offering, it provides robust accident and illness protection, distinguishing itself from basic accident-only plans. However, its lack of preventive care and dental illness coverage, coupled with specific exclusions for brachycephalic airway syndrome and limitations on chronic condition coverage (first occurrence/year only), represent notable weaknesses compared to competitors offering more comprehensive or integrated wellness benefits.
Pets On Me supports digital claims submission via an online portal or email. No advance payment service like Payvet is available, and average reimbursement processing times are not specified.
This plan suits pet owners prioritizing core accident and illness coverage, who appreciate policy customization for reimbursement and excess, and who manage preventive and dental care costs outside of their insurance. It is relevant for owners whose pets are not affected by brachycephalic conditions and who are comfortable with digital claim processes.
- Up to $30,000 annual claim limit.
- Pay only the gap with GapOnly™ claims.
- Most claims processed within 1 day.
- Free 24/7 VetAssist for advice.
- 10% monthly Woolworths grocery discount.
- Up to $30,000 annual claim limit.
- Pay only the gap with GapOnly™ claims.
- Most claims processed within 1 day.
- Free 24/7 VetAssist for advice.
- 10% monthly Woolworths grocery discount.
Woolworths Comprehensive Plus offers an 80% reimbursement rate with an annual coverage limit up to $30,000. Deductibles are variable, specified on the Certificate. The plan covers specified accidental injuries, including cruciate ligament conditions after a 6-month waiting period, and a broad range of illnesses such as cancer and gastrointestinal issues. Preventive care, like vaccinations and dental scaling, is available as an optional Routine Care add-on.
This plan provides lifetime cover if initiated before the pet's ninth birthday and maintained without lapse. A 21-day cooling-off period is standard. Positioned competitively, its main advantages include the substantial $30,000 annual limit, a unique 10% monthly Woolworths grocery discount, and complimentary 24/7 VetAssist access. The GapOnly® service facilitates on-the-spot claims at participating veterinary clinics. Weaknesses include the absence of multi-pet discounts and potential premium increases for older pets or after claims.
The insurer supports digital claims through its portal. Claims are processed efficiently, with 90% within one day and 98% within five days. This plan is relevant for pet owners seeking robust financial protection against significant veterinary costs, who appreciate integrated loyalty benefits, and prefer digital tools for policy management and immediate claim processing.
- Highly customizable plan options.
- High annual benefit limit up to $25,000.
- Direct payment to vet available.
- Excellent customer satisfaction and fast claims.
- No sub-limits on covered conditions.
- Highly customizable plan options.
- High annual benefit limit up to $25,000.
- Direct payment to vet available.
- Excellent customer satisfaction and fast claims.
- No sub-limits on covered conditions.
Petsy Pet Protection Plus offers a highly customizable plan for Australian pet owners, allowing selection of an annual benefit limit up to $25,000, a benefit percentage of 80% or 90%, and an annual excess from $0 upwards. Core coverage includes vet costs for injuries, illnesses, essential euthanasia, and emergency pet boarding. Preventive care is not included. Optional benefits for dental illness, behavioural conditions, and specialised therapies are available, though restricted to pets under 3 years old at policy inception.
The plan's modularity allows policyholders to tailor coverage to their budget and needs. Petsy facilitates direct vet payments for approved claims and offers a transparent pre-existing condition review process. Compared to competitors, its strength lies in extensive customisation and a strong digital claims experience. A notable limitation is the absence of integrated wellness benefits and the age restriction on optional cover for dental and behavioural issues.
Petsy operates as a digital-first insurer. Claims are submitted online, and customer reviews frequently highlight a fast, seamless process with direct vet payment capabilities. While an average processing time isn't specified, feedback indicates efficiency.
This plan suits pet owners who prioritize flexibility in coverage design, possess younger pets for optional benefit eligibility, and appreciate a streamlined digital claims experience. It is also relevant for those who prefer to manage routine and preventive care outside their insurance policy.
- Why take out pet insurance?
- What does pet insurance cover?
- What does pet insurance usually not cover?
- How much does pet insurance cost?
- What are the best pet insurance plans?
- How to lower the cost of your pet insurance?
- FAQ
- On the same topic
Why trust HelloSafe?
At HelloSafe, our pet insurance expert analyses and reviews policy terms and pricing from major Australian insurers each year, delivering reliable and impartial advice. Thanks to this thorough process, tens of thousands of Australians rely on us every month to help them make their most important financial decisions.
Why take out pet insurance?
The cost of veterinary care in Australia has rapidly increased in recent years, rising by over 60% in the past decade due to advanced diagnostic tools like MRIs and life-saving treatments such as cancer care and complex surgeries.
Just like having private health insurance for yourself, pet insurance helps reduce unexpected out-of-pocket expenses and protects your finances from the high costs of accidents and illness.
Without insurance, many pet owners face difficult choices or substantial bills—having cover means you can say ‘yes’ to the best treatment for your pet when it matters most.
| Treatment | Estimated Cost (AUD) | % covered with Basic Plan | % covered with Premium Plan |
|---|---|---|---|
| Digestive surgery (blockage) | $2,500–$4,000 | Covered up to $2,000 | Up to 100% (annual limit applies) |
| Spaying/neutering | $250–$500 | Usually excluded | Up to 80% (wellness add-on available) |
| X-ray | $220–$400 | 30–60% reimbursement | Up to 100% |
| Dental scaling | $600–$1,200 | Rarely covered | Up to $300/year (with add-on) |
| Hospitalisation (per night) | $250–$600 | 30–60% reimbursement | Up to 100% |
| Ear infection treatment | $120–$250 | 30–60% reimbursement | Up to 90% |
| Blood test | $150–$250 | About 50% | Up to 100% |
| Annual vaccination | $90–$120 | Not covered or capped at $30 | Up to 100% (wellness plan) |
| Standard vet consultation | $70–$95 | 30–60% reimbursement | Up to 100% |
| Deworming treatment | $20–$40 | Not covered | Included up to 2 times/year (premium) |
What does pet insurance cover?
Pet insurance in Australia typically covers veterinary costs for accidents and illnesses, including consultations, hospitalisation, surgery, and prescription medication.
Most policies provide essential cover for unexpected events, while optional add-ons include routine or preventive care (like vaccinations and dental), which can be bundled for extra protection.
Cover limits and benefits vary: some policies apply annual deductibles (e.g. first $100–$200 paid per year), while others use per-claim excesses (e.g. you pay the first $100 of each claim).
Australians can choose from accident-only, accident and illness, or comprehensive policies—with the latter offering the broadest protection.
| Name of coverage | Essential / Recommended | Coverage (Basic Plan) | Coverage (Premium Plan) |
|---|---|---|---|
| Vet consultations (GP & emergency) | 🟢 Essential | Capped per visit (e.g. $50/consult) | Fully covered (up to annual limit) |
| Medications (prescription only) | 🟢 Essential | Partial reimbursement (around 50%) | Up to 100% |
| Hospitalisation | 🟢 Essential | Capped per day (e.g. $200/day) | Fully covered |
| Surgery & anesthesia | 🟢 Essential | 70–80% reimbursement, with annual cap | Up to 100% |
| Lab tests (blood, urine) | 🟢 Essential | Up to 50% | Up to 100% |
| Reimbursement rate (%) | 🟢 Essential | 60–80% | 85–100% |
| Annual reimbursement limit | 🟢 Essential | $3,000–$8,000/year | $10,000–$25,000/year |
| Deductible (per year or per claim) | 🟢 Essential | $100–$200/claim | $0–$100/year |
| Euthanasia (vet decision) | 🟢 Essential | Partially covered (e.g. $100–$200) | Fully covered |
| Dental accidents (trauma, fracture) | 🟢 Essential | Sometimes excluded | Often included ($500–$1,000 cap) |
| Wellness care (vaccines, deworming) | 🟠 Recommended | Not available | Included via wellness package |
| Routine dental scaling | 🟠 Recommended | Not covered | Up to $300/year (add-on) |
| Radiography, ultrasound, MRI | 🟠 Recommended | Sometimes capped ($300–$500/year) | Fully included (annual cap applies) |
| Ambulance transport | 🟠 Recommended | Rarely covered | Included in specific cases |
| Alternative medicine (acupuncture, physio) | 🟠 Recommended | Not covered | Sometimes covered (annual limit) |
| Therapeutic diet (if prescribed) | 🟠 Recommended | Not covered | Occasionally reimbursed |
| International travel cover | 🟠 Recommended | Local only | Worldwide/Emergency cover (some policies) |
| Death / cremation costs | 🟠 Recommended | Not included | Partial cover ($100–$500 cap) |
| Theft, loss, search expenses | 🟠 Recommended | Not included | Sometimes included |
| Boarding fees (owner hospitalised) | 🟠 Recommended | Not included | Covered up to $500/year |
What does pet insurance usually not cover?
Pet insurance in Australia, like in most countries, commonly excludes pre-existing conditions, routine and preventive care (unless you buy a special add-on), and expenses related to elective procedures or breeding.
Most policies also set age limits for new enrolments, and may exclude certain hereditary or breed-specific health issues, especially for high-risk breeds.
Pet owners should closely review the policy’s Product Disclosure Statement (PDS) to check for exclusions tied to age, breed, and medical history, as well as any waiting periods for specific conditions.
It’s important to match the policy to your pet’s profile and health risks, to ensure you’re well protected where it matters most.
| Exclusions type | Healthcare not covered | Good to know |
|---|---|---|
| Medical exclusions | Pre-existing conditions, hereditary/congenital disorders, chronic health issues diagnosed before cover | Some insurers exclude breed-specific conditions (e.g. hip dysplasia, heart disease) |
| Geographic exclusions | Treatment outside Australia, non-accredited overseas clinics | Emergency overseas cover may be optional or excluded |
| Legal / Identification exclusions | Unregistered pets, pets not microchipped or unvaccinated | Ensure pets are microchipped and registered as per local laws |
| Preventive/non-urgent exclusions | Vaccinations*, desexing, dental cleans, flea/worm treatments *unless wellness add-on purchased | Routine check-ups usually not covered |
| Reproduction & pregnancy exclusions | Breeding, pregnancy, whelping, caesarean section | Strictly excluded by all major Australian insurers |
| Behavioural exclusions | Behavioural training, non-medical behavioural issues | Only some policies cover vet-prescribed behavioural therapy |
| Cosmetic/Elective exclusions | Cosmetic, grooming, elective/optional procedures | Non-essential surgeries always excluded |
How much does pet insurance cost?
Premiums for pet insurance in Australia vary based on your pet’s breed, age, type of plan, location, and any pre-existing health conditions.
Typically, older pets, certain breeds and higher coverage levels result in higher monthly costs, while introductory rates can increase as your pet ages or after claims.
Key factors impacting pet insurance premiums in Australia:
- Breed – Some purebreds (e.g. Bulldogs, Labradors) cost more due to higher health risks.
- Age – Kittens/puppies are usually cheaper; premiums rise as pets get older.
- Location – Vet costs and accident rates can vary by state and city.
- Policy type – Basic (accident only), mid-level (accident & illness), or premium (comprehensive) cover has a significant price difference.
- Health/claims history – Past claims or chronic illnesses may lead to premium increases.
- Annual limits, excess/deductible and optional add-ons – Higher limits and more extras increase costs.
- Premiums often rise each year with your pet’s age or rising vet costs, so insuring young and healthy pets locks in lower base pricing.
Dog insurance cost
| Dog profile | Common conditions or care needs | Monthly premium (basic plan) | Monthly premium (premium plan) |
|---|---|---|---|
| Labrador Retriever – 2 y/o | Joint issues, obesity | $28–$40 | $70–$95 |
| Labrador Retriever – 10 y/o | Osteoarthritis, cancer | $60–$85 | $130–$170 |
| French Bulldog – 1 y/o | Respiratory, skin issues | $35–$50 | $90–$120 |
| French Bulldog – 9 y/o | Brachycephalic syndrome, IVDD | $78–$100 | $180–$225 |
| Miniature Dachshund – 2 y/o | IVDD (spinal), dental disease | $25–$38 | $65–$85 |
| Miniature Dachshund – 11 y/o | Back injuries, dental, Cushing’s | $55–$70 | $120–$160 |
Cat insurance cost
| Cat profile | Common conditions or care needs | Monthly premium (basic plan) | Monthly premium (premium plan) |
|---|---|---|---|
| Domestic Shorthair – 2 y/o | Accident, minor illness | $18–$25 | $45–$60 |
| Domestic Shorthair – 10 y/o | Kidney disease, diabetes | $37–$55 | $90–$120 |
| Ragdoll – 1 y/o | HCM risk, respiratory infections | $22–$32 | $55–$75 |
| Ragdoll – 10 y/o | Heart, dental, arthritis | $45–$65 | $115–$130 |
| Bengal – 3 y/o | Allergies, joint issues | $20–$28 | $50–$70 |
| Bengal – 11 y/o | Kidney, thyroid, senior health | $40–$60 | $105–$125 |
What are the best pet insurance plans?
1. Petinsurance.com.au – Best for vet consult reimbursements
Petinsurance.com.au’s Classic and Ultimate plans feature high annual limits (up to $20,000) and strong coverage for vet consultations, hospitalisation, and specialist referrals.
Vet consults are typically reimbursed up to 100% (after excess), making these policies ideal for pet owners wanting predictability in day-to-day healthcare costs.
Their flexible excess and high reimbursement rates suit active pet owners and those with pets prone to accidents or chronic issues.
2. Bow Wow Meow – Best for Older Pets
Bow Wow Meow offers cover for new pets up to 16 years old (one of the highest entry ages in AU), and Lifetime cover if you insure before age cut-off.
Their Peace of Mind plan covers both accidents and illness with annual limits up to $15,000, and options for dental illness and specialist care.
It’s a great choice for senior cats and dogs needing lifelong protection, with no upper age limit for renewal.
3. Knose – Best for Routine Care
Knose Pet Insurance is known for comprehensive “wellness add-ons” that cover vaccinations, flea/worm control, health checks and dental care from day one.
Choose their Comprehensive Cover with Preventative Care to receive rebates on routine expenses otherwise excluded by basic policies, ideal for proactive pet owners focused on everyday health.
4. Petsecure – Best for small budget
Petsecure offers entry-level accident-only and accident & illness policies with flexible annual limits and excess amounts, giving budget-conscious Aussies control over monthly premiums.
With reimbursement rates from 75% to 85% and lower annual caps, Petsecure makes it easier to get essential cover for your pet without breaking the bank.
5. Petsy – Best for Customizable Plans
Petsy lets you tailor your policy with modular coverage: choose annual limits (from $5,000 to $25,000), select reimbursement levels (70–90%), and add extras like dental and alternative therapies.
Their user-friendly online quote tool allows pet owners to design cover that matches their pet’s needs and family budget, a perfect fit for those after flexibility.
6. Woolworths Pet Insurance – Best for Claim process
Woolworths Pet Insurance combines nationwide vet acceptance with fast, digital claims processing—typically paid within 5 business days.
The Comprehensive Cover plan offers up to $24,000 per year, with no excess for pets up to 9 years old, making it ideal for busy owners looking for convenience and reliability.
How to lower the cost of your pet insurance?
| Tip | Impact on premium & explanation |
|---|---|
| Compare offers | Use the HelloSafe pet insurance comparison tool at the top of this page to find the best deal |
| Choose a higher deductible | Paying a larger excess per claim can reduce your monthly premium |
| Insure your pet early | Younger pets cost less to insure and will have fewer exclusions for pre-existing conditions |
| Lower your annual benefit limit | Reducing your annual claim cap brings down premium costs |
| Omit optional add-ons | Only include wellness, dental or travel cover if you really need them, to keep costs lower |
| Bundle with other insurance | Some providers offer discounts when you combine pet insurance with car or home insurance |
| Maintain consistent health checks | Routine vet visits help catch illness early and lower future claims |
| Choose lower reimbursement rate | Opting for 70% or 80% reimbursement (vs. 90%+) can reduce your premium significantly |
FAQ
What is the waiting period for pet insurance in Australia?
Most Australian pet insurers have a waiting period of 2 to 30 days for accidents and illnesses, and sometimes longer (up to 6 months) for conditions like cruciate ligament injuries or dental illness. Always check your policy’s Product Disclosure Statement (PDS) for specific details.
Are pre-existing conditions covered by pet insurance?
No, pre-existing conditions are not covered by pet insurance in Australia. This includes illnesses or injuries your pet experienced before the start of the policy or during the waiting period. Some insurers may reassess a cured condition after a period without recurrence, but most chronic or recurring issues remain excluded.
Can I switch pet insurance providers without losing cover?
You can switch pet insurers at any time, but keep in mind that most providers treat conditions diagnosed under your previous policy as pre-existing, meaning they may not be covered under your new plan. It’s best to review waiting periods and any new exclusions before changing providers.
Is dental care covered by pet insurance in Australia?
Routine dental care is normally excluded from standard policies, but some providers offer dental illness or accident cover as an add-on or in higher-tier plans. Preventive dental cleanings are rarely covered unless you purchase a wellness package.
What’s the difference between accident-only and comprehensive pet insurance?
Accident-only policies in Australia cover injuries from unforeseen events (like car accidents, snake bites, or fractures), while comprehensive plans include accidents as well as illnesses (such as cancer, infections, or hereditary conditions). Comprehensive cover provides broader protection but comes at a higher price.
Is there an annual limit on pet insurance claims?
Yes, all Australian pet insurance plans have an annual claim limit, which typically ranges from $5,000 to $25,000 depending on the plan and provider. Higher limits or “unlimited” cover are more expensive but offer greater financial protection if you face large or multiple claims in a year.
Does pet insurance cover alternative therapies (e.g. acupuncture, physio)?
Some premium policies and select providers, like Petsy or Knose, include coverage for alternative therapies like physiotherapy, acupuncture, or hydrotherapy if prescribed by your vet. Always check the PDS for specific inclusions and annual benefit caps on such treatments.
Up to what age can I start a pet insurance policy in Australia?
Most insurers require pets to be enrolled before they turn 9 years old (sometimes less for certain breeds), but some—like Bow Wow Meow—allow new sign-ups up to 16 years old for accident-only cover. Once insured, your pet can stay covered for life if you maintain your policy.
Can I cover multiple pets on one pet insurance policy?
Yes, many Australian insurers offer multi-pet discounts if you insure more than one pet—usually 5% to 10% off each additional policy. However, each pet will usually have its own policy and annual limit, with cover tailored to their specific needs.
What information do I need to get a pet insurance quote?
You’ll typically need your pet’s species, breed, date of birth, microchip status, medical and claims history, and your address. Providing accurate information ensures you receive the correct pricing and prevents any issues with claims later on.
What is the waiting period for pet insurance in Australia?
Most Australian pet insurers have a waiting period of 2 to 30 days for accidents and illnesses, and sometimes longer (up to 6 months) for conditions like cruciate ligament injuries or dental illness. Always check your policy’s Product Disclosure Statement (PDS) for specific details.
Are pre-existing conditions covered by pet insurance?
No, pre-existing conditions are not covered by pet insurance in Australia. This includes illnesses or injuries your pet experienced before the start of the policy or during the waiting period. Some insurers may reassess a cured condition after a period without recurrence, but most chronic or recurring issues remain excluded.
Can I switch pet insurance providers without losing cover?
You can switch pet insurers at any time, but keep in mind that most providers treat conditions diagnosed under your previous policy as pre-existing, meaning they may not be covered under your new plan. It’s best to review waiting periods and any new exclusions before changing providers.
Is dental care covered by pet insurance in Australia?
Routine dental care is normally excluded from standard policies, but some providers offer dental illness or accident cover as an add-on or in higher-tier plans. Preventive dental cleanings are rarely covered unless you purchase a wellness package.
What’s the difference between accident-only and comprehensive pet insurance?
Accident-only policies in Australia cover injuries from unforeseen events (like car accidents, snake bites, or fractures), while comprehensive plans include accidents as well as illnesses (such as cancer, infections, or hereditary conditions). Comprehensive cover provides broader protection but comes at a higher price.
Is there an annual limit on pet insurance claims?
Yes, all Australian pet insurance plans have an annual claim limit, which typically ranges from $5,000 to $25,000 depending on the plan and provider. Higher limits or “unlimited” cover are more expensive but offer greater financial protection if you face large or multiple claims in a year.
Does pet insurance cover alternative therapies (e.g. acupuncture, physio)?
Some premium policies and select providers, like Petsy or Knose, include coverage for alternative therapies like physiotherapy, acupuncture, or hydrotherapy if prescribed by your vet. Always check the PDS for specific inclusions and annual benefit caps on such treatments.
Up to what age can I start a pet insurance policy in Australia?
Most insurers require pets to be enrolled before they turn 9 years old (sometimes less for certain breeds), but some—like Bow Wow Meow—allow new sign-ups up to 16 years old for accident-only cover. Once insured, your pet can stay covered for life if you maintain your policy.
Can I cover multiple pets on one pet insurance policy?
Yes, many Australian insurers offer multi-pet discounts if you insure more than one pet—usually 5% to 10% off each additional policy. However, each pet will usually have its own policy and annual limit, with cover tailored to their specific needs.
What information do I need to get a pet insurance quote?
You’ll typically need your pet’s species, breed, date of birth, microchip status, medical and claims history, and your address. Providing accurate information ensures you receive the correct pricing and prevents any issues with claims later on.
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