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What is pet insurance?

Pet insurance helps pay a portion of eligible veterinary bills when your pet gets sick or is injured from an accident. Any dog or cat owner who’s had to foot massive unplanned bills, will understand this product can be enormously helpful. Better still, your annual policy limits can be as high as $20,000, depending on the policy you choose. This means that more expensive treatments are well within your reach.

To ensure that your policy covers even the greatest expenses, it’s important to compare pet insurance policies. This way, you’ll know as much about the products as possible before making a decision. Read more about pet insurance.

How much does pet insurance cost?

Pet insurance premiums are calculated based on various factors including the age and breed of your pet, where you live and the type of policy you take out. Basic products are the cheapest on the market but they don’t cover your pet for as much as a comprehensive or standard accident and illness policy would.

Take the time to learn exactly how much ‘cover’ your insurance premiums pay for, as it may prove invaluable to your pet’s long-term health costs.

Dog insurance

Dog or puppy insurance helps pay for a portion of any eligible vet bills/treatment costs. Comprehensive policies which have optional routine care benefits which can help cover vaccination costs or worming. Even lower levels of cover can ensure your dog gets the care it needs if it falls ill or an unexpected accident occurs leaving them injured, but keep in mind there are limits to what you can claim for certain conditions.

Dog Insurance

Cat insurance

Cats can live to be older than 15 years of age, which means many years of vet bills may potentially lay ahead. A basic cat insurance (or kitten insurance) policy can help you pay for medical bills if your cat gets injured from an accident and covers illness to a certain degree while a comprehensive level of cover can provide even more benefits like optional routine care (an additional premium applies).

Cat insurance

Levels of pet insurance

Basic cover

This covers some of the veterinary costs if your pet is injured from an accident or falls ill. As the cheapest form of insurance, the benefit rate is up to 60%, and you can claim up to a maximum of $15,000 a year, but you’ll be subject to annual condition limits.* This type of insurance is available to all pet dogs and cats aged between eight weeks and under 16 years old.

Standard cover

A higher level than basic, standard cover’s benefit rate is up to 80%, and you can claim up to a maximum of $15,000 a year.* You must take out this policy before your pet turns 9 years old and while it costs more than the basic level of cover, it may be a better option if you want to lower your out-pocket costs.

Comprehensive cover >

A comprehensive policy covers illnesses, accidents and provides routine care as an optional benefit for an additional premium. It’s the most expensive pet insurance you can take out but does offer the highest level of cover. The benefit rate is up to 85%, and you can claim up to a maximum of $20,000 per year* but you’ll need to insure your pet before it turns nine years old.

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