Often a pet owner wonders whether to get veterinary pet insurance on the chance that their beloved pet may suffer an accident or illness. Whether or not to sign up for a pet insurance plan is a personal decision for every owner. The article: Pet Insurance for Dogs, Cats and Other Pets, will help owners to decide whether or not pet insurance is worth it, and some of the things it may cover.
This article will provide a brief pet insurance comparison of various Australian companies, but it is by no means an exhaustive list.
- Plans Available: Accidental Injury Cover, Accident & Illness Cover, Accident & Illness & Routine Care
- % of Claim Paid: 70% or 80% options
- Excess/Deductible: $50 annual per-condition excess
- Policy Limits: Up to 11,935 per year
- Monthly Premiums: From $17.50 upwards
- Extras: Emergency boarding fees if owner hospitalized, multi-pet discount
BowWow Meow Pet Health Insurance
- Plans Available: Accident Plan, Comprehensive Plan (Accident & Illness), Major Medical Plan, Optional Routine Care
- % of Claim Paid: 100%
- Excess/Deductible: $100, $200 or $500 options
- Policy Limits: Up to $8,145 per year
- Monthly Premiums: From $9.65 upwards
- Extras: Overseas Travel Cover, free pet tag, emergency boarding fees if owner hospitalized, multi-pet discount
InsuranceLine Pet Health Plan
- Plans Available: Accident Only, Accident & Illness, Routine Care Option
- % of Claim Paid: 80%
- Excess/Deductible: $50 annual per-condition excess
- Policy Limits: Up to $8,635 per year
- Monthly Premiums: From $15.00 upwards
- Extras: Emergency boarding fees if owner hospitalized, free gift on joining, multi-pet discount
Manchester Unity Pet Health Insurance
- Plans Available: Accidental Injury Cover, Accident & Illness Cover, PetFit Optional Wellness Plan
- % of Claim Paid: 80%
- Excess/Deductible: $50, $100 or $200 options
- Policy Limits: Up to $10,135 per year
- Monthly Premiums: From $12.30
- Extras: Emergency boarding fees if owner hospitalized for more than 4 days, Pet Health Dollars low claim bonus, Overseas Travel Cover, multi-pet discount
Medibank Pet Insurance
- Plans Available: Accidental Injury Only, Accident & Illness, Accident & Illness & Routine Care
- % of Claim Paid: 100%
- Excess/Deductible: $100, $200 or $500 options
- Policy Limits: Up to $15,000 per year
- Monthly Premiums: From $12.50 upwards
- Extras: Emergency boarding fees if owner hospitalized, Overseas Pet Travel Insurance, multi-pet discount, 10% discount to owners who have Medibank private health insurance
Pet Protect Insurance
- Plans Available: Accidental Injury Only, Accident & Illness, Optional Routine Care Protection
- % of Claim Paid: 100%
- Excess/Deductible: $100, $200 or $500 options
- Policy Limits: Up to $15,000
- Monthly Premiums: From $11.80 upwards
- Extras: Emergency boarding fees if owner hospitalized, Overseas Pet Travel Insurance, multi-pet discount
- Plans Available: Accidental Cover, Accident & Illness Cover, Optional Wellness Care Cover
- % of Claim Paid: 100% (Pets 5 years and older only qualify for 80% cover for illnesses)
- Excess/Deductible: $100, $200 or $300 options
- Policy Limits: Up to $ 10,500 per year
- Monthly Premiums: From $8.40 upwards
- Extras: Emergency boarding fees if owner hospitalized
PROSURE Vet’s Own Pet Insurance
- Plans Available: Accidental Injury Only, Accident & Illness, Accident & Illness & Wellness Cover
- % of Claim Paid: 80%
- Excess/Deductible: No excess
- Policy Limits: Up to $14,000 per year
- Monthly Premiums: From $13.40 upwards
- Extras: Emergency boarding fees if owner hospitalized, Overseas Pet Travel Insurance, multi-pet discount, Dental Illness benefit, discounts for veterinary industry personnel
- Plans Available: Accidental Injury Cover, Accident & Illness, Accident & Illness & Routine Care cover
- % of Claim Paid: 70% or 80% option
- Excess/Deductible: No excess
- Policy Limits: Up to $8,935 per year
- Monthly Premiums: From $23.80 upwards
- Extras: Emergency boarding fees if owner hospitalized, multi-pet discount, between 5-20% of premiums are donated to the RSPCA as long as the pet is insured with them
Vet’s Own Pet Insurance
- Plans Available: Accident Only, Accident & Illness Cover, Accident & Illness & Good Health Rewards, Dental Illness Option
- % of Claim Paid: 70% or 80% options.
- Excess/Deductible: $50 annual per-condition excess
- Policy Limits: Up to $13,100 per year
- Monthly Premiums: From $20.35 upwards
- Extras: Spend $200 on vet recommended purchase or service and receive a $100 rebate (Good Health Reward), VIP club for vets/nurses/staff = 20% discount, gift for pet upon joining, free tag, Emergency boarding fees if owner hospitalized, multi-pet discount
This brief pet insurance comparison should give owners an idea of some of the differences between companies and pet insurance plans, though thorough research into pet health insurance is required before deciding on one. The pet insurance companies listed all specify an age limit on joining of 8 weeks to 9 years, though there is no upper age limit for accident cover. Information was correct at time of publication; however, insurers may change prices or services so it is important to visit their websites for current prices if considering joining. All prices listed are in Australian dollars.
Roberta Goli - Roberta has a Bachelor of Science Degree (Zoology), has worked with animals for over 10 years and enjoys writing short stories and flash ...
