Since launching in 1998, Australian Seniors has been filling a gap in the market by offering insurance products to over-50s in the community. They pride themselves on offering affordable insurance and information that’s easy to understand.
It’s a formula that’s working, with Australian Seniors winning numerous awards in recent years. In 2020, they won Product Review’s annual awards in the Car, Funeral, Home & Contents, Pet and Travel Insurance categories. The insurance provider also won the Feefo Gold Trusted Service Award in 2019 and took home one of Reader’s Digest’s Highly Commended Trusted Brand Awards in 2020 and 2018.
Australian Seniors also goes beyond offering insurance products and recently launched DARE magazine, a bi-monthly publication that’s complimentary to policyholders (T&Cs apply). Australian Seniors also has an ongoing Supporting Seniors initiative – which financially supports senior community groups when they need it the most.
In addition to pet insurance, Australian Seniors also offers an array of other products, including car insurance, home and contents insurance, landlords insurance, travel insurance, and funeral insurance.
If you’re looking to take out pet insurance for your fur-baby, Australian Seniors has a few options available:
All levels of cover offer protection in the event of illness or an accident, with no excess to pay.
You can still take out pet insurance with Australian Seniors if your pet is over nine – but you’ll only have access to the Basic Cover product. This limits the amount you can claim back to 60% of eligible vet bills and limits per condition annually. This is because older animals can be more susceptible to accidents and illness. They also may already have pre-existing conditions which will not be covered on a new policy. Therefore, the younger your pet is when you take out insurance the more cover you may be eligible to apply for.
Unlike some other types of insurance like car insurance, you won’t have to pay any excess with Australian Seniors Pet Insurance. You typically still have to pay the full vet bill before you can claim.
With Australian Seniors, pets as young as eight weeks old can be insured. Keep in mind that waiting periods may apply before you’re able to make a claim. If these periods haven’t been served, you may need to pay the vet bill in full.
Providing you’ve insured your pet by the age of 16 for a Basic Cover policy or nine for higher levels of cover, it will be covered for its entire life. Of course, you’ll need to ensure the premiums are paid, there’s no break in your cover and that you continue to renew your policy each year to continue receiving relevant cover – subject to the terms and conditions of the renewal policy.
Regardless of the level of cover you choose, you’ll be able to decide which vet or animal doctor you take your pet to provided they are a registered vet in Australia. Keep in mind that different vets can set their own fees for treatments and procedures, which can impact the amount you end up paying.