Pet Insurance Victoria

Do you live in Victoria and want to know all about pet insurance? Find out all you need to know about pet insurance in Victoria here with Savvy. 

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, updated on April 11th, 2024       

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Kitten pet insurance

Compare pet insurance

Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget. 

site-logos Fetch Care Plan

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$30,000 $100 80%, 90% or 100% pros-item-petins pros-item-petins

Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.

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site-logos Petsy Most Popular 80% Cover $150 Excess

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$25,000 $150 80% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

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site-logos Fetch Premium Plan

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$30,000 $0 80% or 90% pros-item-petins pros-item-petins

Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.

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site-logos Knose Pet Insurance

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$7,500, $12,500 or $25,000 $0 / $100 / $200 70%, 80% or 90% pros-item-petins pros-item-petins

Multi-award winning pet insurance designed with the help of vets.

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site-logos Petsy Value Cover 80% Cover $500 Excess

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$10,000 $500 80% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

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site-logos Petsy Top Cover

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?
$25,000 $0 / $150 / $500 90% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

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Disclaimer: Savvy is not advising or recommending any particular product to you. We provide general information on products for the purposes of comparison, but your personal situation or goals are not considered here. Although we try to make our comparisons as thorough as possible, we do not have information on all products on the market on our site.

Savvy earns a commission each time a customer buys a pet insurance policy through our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via the individual pet insurance companies.

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If you're a proud pet owner in Victoria, you understand that your furry companion is an integral part of your family. Providing them with the best possible healthcare is a top priority. That's where pet insurance can play a part, providing cover for those expensive vet bills if your pet becomes unwell or gets injured.  

Savvy offers a 100% free insurance comparison service, allowing you to compare pet insurance policies from a range of trusted insurers side-by-side. Comparing policies is crucial if you want to ensure you get a great deal for your pet’s protection. From routine check-ups to unexpected emergencies, our goal is to help you make informed decisions that safeguard your pet's health and your peace of mind. 

What is pet insurance, and what types are available in Victoria?

Much like human health insurance, if your pet requires veterinary care, pet insurance can help cover the costs, providing financial protection and greater peace of mind. It serves as a valuable safety net to ensure your beloved pets can receive top-notch medical care without breaking the bank.  

There are three main types of pet insurance available in Victoria: 

  • Accident-only coverage: This basic plan covers unexpected accidents like car injuries, falls, snake or insect bites and other accidents. However, it doesn't include protection for illnesses or routine care. 
  • Accident and illness coverage: A mid-range cost option, this insurance extends the coverage to various illnesses, including cancer and infections and diabetes and joint issues. Routine care, such as vaccinations, may still not be covered. 
  • Comprehensive coverage: For comprehensive protection, consider this top-tier plan. It encompasses accidents, illnesses, and often routine care such as teeth cleaning, deworming and flea treatments, providing extensive coverage for your pet. 

When considering which pet insurance policy is the best fit, it's crucial to compare several different policies and select the one that best fits your pet's unique needs and your budget. Savvy offers a free online comparison service to help you compare policies so that you can make the right choice. 

How much will insurance cost for my pet in Victoria?

Pet insurance costs in Victoria will vary from insurer to insurer. On average, basic pet insurance plans cost from around $20 to $60 per month. The exact cost of your insurance will be influenced by the following factors:  

  • Pet's age: The age of your pet plays a pivotal role in determining insurance costs. Generally, younger pets come with lower premiums since they are less likely to experience age-related health issues. 
  • Breed and type of animal: Different breeds and types of animals will cost different amounts to insure. This is because certain breeds carry predispositions to specific health conditions. For example, pugs are well-known to have breathing issues, and German Shepherds are known to have hip dysplasia issues. Insuring a purebred dog with known genetic health concerns may increase the cost of insurance.  
  • Type of insurance: The extent of coverage you opt for significantly affects the price tag. Accident-only coverage is typically the more budget-friendly option compared to comprehensive policies, which encompass both accidents and illnesses and routine health care. 
  • Additional coverage options: Adding supplementary coverage, such as dental care or wellness benefits to your policy will naturally increase the overall cost. 
  • Pre-existing conditions: Pets with pre-existing medical conditions may face elevated premiums or eligibility restrictions for particular coverage types. 
  • Discounts: Some insurers offer multi-pet discounts if you decide to insure more than one pet.  

To get a good idea of the cost of pet insurance, it's wise to compare insurance quotes from multiple insurance providers. Savvy offers a free comparison service to help you to discover an ideal pet insurance plan from our range of trusted providers.  

How do I compare pet insurance in VIC?

When you compare pet insurance through Savvy, you’ll get a better idea of the differences between insurers. Here’s some factors to consider when comparing:  

  • Know your pet: Think about what health needs your pet has now, and may have in the future. Consider their breed, any health problems they already have, and what might happen in the future. 
  • Pick a policy you feel comfortable with: Choose the kind of pet insurance that's best for your pet and your wallet. There are three different types available: accident-only, accident and illness, and comprehensive cover. 
  • Check the price: Look at how much you'll pay each month or year for the insurance. Make sure it fits your budget and covers what your pet needs. 
  • Choose an excess amount: An excess is the amount you’ll have to pay each time you make a claim. Picking a higher excess can mean lower premiums. 
  • Benefit limits: Compare the benefit limits and check if there’s any sub limits that apply to the policy. Higher limits mean more safety for your pet's big medical bills. 
  • Percentage paid: Look at the percentage of the total vet’s bill that the insurance covers. More coverage means less out of pocket expense.  
  • Check what's covered: Carefully read what the policy includes and excludes so you are aware of the exact cover that you’re buying. Make sure the policy matches your pet's healthcare needs. 

Comparing pet insurance doesn't have to be confusing. Just follow these simple steps to find the right policy to cover your furry friend. 

Types of pet insurance you can choose from

Accident-only

This is the most basic type of pet insurance, covering costs for accidental injuries such as car accidents, poisoning, burns, fractures, snake and spider bites, but not illnesses and other conditions. 

Accident and illness

This type of insurance provides cover for accidental injuries as well as illnesses like cancer, gastrointestinal problems and eye, ear and skin conditions, but not routine care for your pet.

Comprehensive

This offers the highest level of protection, covering accident and illness and potentially routine care such as vaccinations, dental care, worm and flea treatments and microchipping.

Why compare pet insurance with Savvy?

Online fast approvals

100% free

Our comparison service is free to use, providing you with a range of pet insurance quotes at no cost.

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Compare in two minutes

You'll be able to compare offers online side by side in a matter of minutes before you buy.

A Range of Options

Choice of insurers

We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.

Frequently asked questions about pet insurance in Victoria

Does pet insurance cover pre-existing conditions?

Generally, pre-existing conditions are not covered. These are defined as health issues your pet had before getting your insurance policy. Pet insurance is primarily designed to address new and unexpected health issues. 

Can I insure multiple pets under one policy?

Yes, many insurers offer multi-pet discounts. This allows you to cover several pets under a single policy, making it more convenient and cost-effective if you have multiple furry companions. 

Are there waiting periods for pet insurance coverage?

Yes, most pet insurance policies have waiting periods. This means there's a specific period from the policy's start date during which certain conditions or treatments may not be covered. Waiting periods vary between insurers and policy types. 

Can I choose my vet with pet insurance?

Typically, pet insurance policies allow you to visit any licensed vet. This gives you the flexibility to select a vet you trust and are comfortable with. However, some insurers specify that you must visit a vet that is affiliated with their particular underwriter. The insurer will usually provide you with a list of eligible vets in your area.