Compare a range of pet insurance policies with Savvy to help you find the best deal available from a panel of reputable insurers.
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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.
Fetch Care Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
Petsy Most Popular 80% Cover $150 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Fetch Premium Plan |
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Pet insurance we think you’ll love. 24/7 vet support + dental, physio and behaviour cover added (see PDS) all in one app.More details |
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Multi-award winning pet insurance designed with the help of vets.More details |
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Petsy Value Cover 80% Cover $500 Excess |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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Petsy Top Cover |
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Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
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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When it comes to finding the best pet insurance in Australia, you need a policy that aligns with your pet’s needs. However, with a myriad of options on offer, navigating the world of pet insurance can be overwhelming. That’s where Savvy can help. With our online comparison service, you can compare pet insurance policies in moments, helping you find a plan that meets your requirements. Get started on your quote today.
As a pet owner, ensuring the health and well-being of your animal companion will be a top priority. Pet insurance can be a valuable investment, providing you with the peace of mind that your pet will be cared for in the case of unexpected accidents or illnesses. However, to help you find the best possible policy for your needs, it’s important to consider a number of factors:
Your financial circumstances
Assess your budget and finances to determine the type of pet insurance policy that fits within your means. Consider the balance between premiums and coverage, ensuring you can comfortably afford the monthly payments and any potential excess payments or out-of-pocket expenses.
The type of pet you have
Different pets have varying healthcare needs and potential risks. For example, certain breeds may be more prone to specific health conditions or hereditary issues. Choose a policy that aligns with the unique characteristics and health requirements of your pet.
Your pet’s susceptibility to health problems
Consider your pet's breed and age to identify any predispositions to common health problems. Ensure the insurance policy covers conditions that are relevant to your pet's specific needs.
Your pet’s age
Your pet's age plays a significant role in determining the appropriate coverage. Younger, more active pets might benefit from accident and illness coverage, while older animals may require coverage to address age-related health issues.
There are three main types of pet insurance on the market in Australia: accident-only insurance, accident and illness insurance and comprehensive insurance. Let’s take a general look at what each type covers:
| Will this insurance cover you for… | Accident-only | Accident and illness | Comprehensive |
|---|---|---|---|
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Accidental injury? |
✓ |
✓ |
✓ |
|
Illness and disease? |
✖ |
✓ |
✓ |
|
Routine care? |
✖ |
✖ |
✓* |
|
Dental illness? |
✖ |
✖ |
✓** |
* Available as an optional extra
** Available as an optional extra on select policies
What it can cover: accidental injuries, such as those resulting from car accidents, fights with other animals, poisoning, snake and spider bites, and cuts and lacerations, but not illnesses or routine care.
Who it’s best for: those looking for a basic, budget-friendly level of healthcare for their pet. It may also be suitable for older pets that do not qualify for higher levels of cover.
What it can cover: accidents, sickness and disease, including conditions such as eye, ear and skin problems, cancer and gastrointestinal problems, but not routine care.
Who it’s best for: those looking for a mid-level policy that offers protection for a range of events and conditions but at a lower cost than comprehensive cover.
What it can cover: accidents, illnesses and optional routine care such as microchipping, desexing and teeth cleaning, offering the highest level of coverage for your pet though at a higher cost.
Who it’s best for: pet owners who want the highest level of coverage and are willing to pay higher premiums to ensure their pets receive extensive protection for accidents, illnesses and routine care, providing peace of mind and financial security.
When looking for pet insurance, it’s important to compare a range of features to find the plan that best suits your requirements. These include:
Premiums
Premiums may vary depending on the level of coverage and the insurer’s pricing structure. Compare policies based on your pet’s breed, age and location to determine which suit your budget or offer the best value for money.
Benefit limits
Check the annual benefit limit of each policy to see if it’s sufficient to cover potential high-cost treatments or emergencies. Higher benefit limits can provide more financial protection, especially for pets that may require ongoing or specialised care.
Benefit percentage
Consider the benefit percentage offered by each policy. A higher percentage means the insurer will cover a larger portion of eligible vet bills. For example, a policy with an 80% benefit percentage will cover 80% of the vet bill, leaving you responsible for the remaining 20%.
Sub limits
Sub limits refer to specific maximum coverage amounts for particular types of treatments or procedures outlined in the policy. These can vary depending on the insurance provider and the specific plan you choose – some providers might not set any sub limits at all – so it is important to check the policy documents.
Coverage
Review the coverage details for accidents, illnesses and any additional benefits. Look for policies that offer the coverage you need. Some policies may also offer coverage for alternative therapies or behavioural treatments.
Exclusions
Exclusions are conditions or treatments not covered by the insurance, such as pre-existing conditions or certain elective procedures. Knowing the exclusions helps you understand the coverage limitations and determine which policy is the best for you.
Discounts
Check if there are any discounts available with the policy. For example, multi-pet discounts can be beneficial if you have more than one pet to insure. Additionally, insuring your pet while they are young can result in lower premiums compared to insuring older pets.
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.
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.
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.
Our comparison service is free to use, providing you with a range of pet insurance quotes at no cost.
You'll be able to compare offers online side by side in a matter of minutes before you buy.
We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.
Before seeking veterinary treatment, carefully review your pet insurance policy to understand the extent of coverage it offers. Different policies come with varying levels of coverage, so it’s crucial to know what treatments and conditions are eligible for reimbursement, as well as your benefit percentage and benefit limit, to avoid any surprises during the claims process.
Waiting periods are the time between purchasing the policy and when certain coverage become effective. While accidents are generally covered from day one, specific conditions or treatments may not be covered until a set amount of time has passed. If you seek treatment for your pet before the waiting period has ended, you may not be eligible for reimbursement.
Once you’ve confirmed that the treatment your pet requires is covered by your insurance policy and any applicable waiting periods have passed, take your pet to the veterinarian for the necessary medical attention. You may be required to cover the cost of treatment upfront, so it is important to keep any records for your claim.
After your pet has been treated, it’s time to submit your claim, providing your insurer with details of the treatment and payment so you can be reimbursed. Different providers may have different ways to submit claims, such as:
Alternatively, if your pet insurance includes GapOnly, you will be able to submit your claim on the spot. This means you will only pay the gap between the cost of treatment and your coverage limits, rather than the full veterinary bill up front.
Insuring your pet from a young age typically results in lower premiums and ensures coverage before any pre-existing conditions develop. As pets age, they may become more susceptible to health issues and obtaining insurance can be more expensive and challenging to arrange.
Opting for a higher excess – the amount you must pay before the insurer covers the cost – or lower benefit percentage may reduce monthly premiums, though keep in mind that you will likely face higher costs in the event you have to claim for treatment.
Your insurer may offer discounts for bundling different insurance policies or insuring multiple pets under one plan, which may be a cost-effective option if you own more than one animal or are looking for different types of insurance coverage.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
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For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
