Find affordable insurance for your pet with Savvy today.
Fact checked
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 |
|---|
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 |
|---|
Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
|
Fetch Premium Plan |
|---|
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 |
|
|---|
Multi-award winning pet insurance designed with the help of vets.More details |
|
Petsy Value Cover 80% Cover $500 Excess |
|---|
Protect your furry friend with Petsy's pet insurance policy. Get a free quote.More details |
|
Petsy Top Cover |
|---|
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.
You should always consult a given offer's PDS or further documentation in the process of deciding on which loan to choose, as well as seeking independent, professional advice. If you decide to apply with one of the lenders listed above via our website, you will not be dealing with Savvy; any applications or enquiries will be conducted directly with the lender offering that product.
Pet insurance is a worthwhile consideration for all pet owners, offering financial protection and peace of mind in the event of unexpected accidents or illnesses. However, it’s important that your policy is within budget. If you are looking for cheap pet insurance in Australia, Savvy can help.
With our online comparison tool, you can compare policies from leading insurers in minutes, helping you find a deal that suits your pet’s needs. Get started with a free, no-obligation quote today.
The cost of insuring your pet can be significant, but there are ways to lower your premiums. When searching for affordable pet insurance, consider the following tips:
Insure your pet early on
Insuring your pet from a younger age and maintaining your policy can lead to significant cost savings as your pet ages. When you start insurance coverage early in your pet’s life, you benefit from lower premiums and comprehensive coverage. As your pet grows older and requires greater care, they might be more expensive to insure if you are looking for a new policy.
Consider the coverage
Evaluate the type of pet insurance and what it covers, taking into account your pet’s breed, age, health and lifestyle. Comprehensive pet insurance is the most extensive, but also tends to be the most expensive; if you decide you don’t need all the features offered by a comprehensive plan, accident-only and accident and illness policies can offer a level of protection for your pet at lower cost.
Choose a higher excess or lower annual limit and benefit percentage
Consider a higher excess or opting for a lower annual limit and benefit percentage. A higher excess can lead to lower premiums, while a lower annual limit and benefit percentage can help reduce the overall cost of the policy. However, it’s essential to note that while these choices may reduce your policy’s price, they can also lead to higher out-of-pocket expenses when making claims.
Combine policies
Some insurers offer special deals for customers who bundle multiple policies with them. Consider combining your pet insurance with an existing policy or, if you have multiple pets, some providers offer discounted premiums for multi-pet cover, consolidating them under a single policy for potential savings.
Look for discounts
Keep an eye out for potential discounts offered by insurers. As well as multi-pet discounts, some insurance companies may provide special promotions or incentives for new customers, such as limited-time free coverage or lower premiums for the first year.
Shop around
Look at different pet insurance options to find the most suitable and cost-effective insurance plan for your pet’s specific needs. With Savvy’s 100% free comparison service, you can compare quotes from trusted insurers in minutes, helping you find a pet insurance deal that works for you.
The cheapest pet insurance may not necessarily be the best option for your pet, especially if they require extensive medical care or treatment for specific conditions. It’s essential to consider the overall value of the policy and your pet’s specific circumstances to help ensure that it’s adequately protected. In Australia, there are three main types of pet insurance cover to choose from:
Accident-only
Accident-only pet insurance policies provide coverage for accidental injuries to your pet, such as broken bones, wounds or necessary surgeries resulting from accidents or incidents involving other animals or objects. These policies are the most affordable option among pet insurance plans, but do not cover treatment for illnesses or any behavioural or trauma-related issues.
Accident and illness
Accident and illness pet insurance policies are mid-level plans that cover accidental injuries but go a step further than accident-only plans by also covering the treatment of health conditions and diseases. This may include issues like joint problems, cancer, diabetes and tick paralysis. However, other services such as elective surgeries for non-severe illnesses and routine care generally aren’t covered.
Comprehensive
Comprehensive pet insurance is the most extensive policy option, offering a wide range of coverage for your pet, including accident and illness cover and potentially routine treatments like vaccinations and dental cleaning, and dental illness cover. However, while it provides the highest level of protection for your pet, it is also the most expensive type of policy.
| Covers | Does not cover | |
|---|---|---|
|
Accident-only |
|
|
|
Accident and illness |
|
|
|
Comprehensive |
|
|
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.
The premium in pet insurance refers to the amount of money you pay to the insurance company on a regular basis (usually monthly or annually) to maintain your pet's insurance coverage. The premium amount is determined based on various factors, such as your pet's age, breed, health condition and the level of coverage you choose.
The excess is the amount you agree to pay out-of-pocket whenever you make a claim on your pet insurance policy. For example, if your policy has a $100 excess and you make a claim for a veterinary bill of $500, you will be responsible for paying the first $100, and the insurance company will cover the remaining $400. Opting for a higher excess can reduce your premium, but it means you'll have to pay more upfront when making a claim.
The annual limit is the maximum amount the insurance company will pay out for eligible claims in a policy year. Once the total claims reach the annual limit, the insurer will not provide further coverage until the policy is renewed for the next year. When choosing pet insurance, it is important to find an annual limit that adequately covers potential veterinary expenses for your pet’s needs.
The benefit percentage is the portion of the eligible vet bill that the insurance company will reimburse you after deducting any applicable excess. For example, if your pet insurance policy has a benefit percentage of 80% and you make a claim for a $1,000 vet bill with no excess, the insurer will reimburse you $800, and you'll be responsible for paying the remaining $200.
Carefully review the policy details to ensure it covers essential aspects you require such as accidents, illnesses and emergency care. Look for specific coverage exclusions that might make the policy less suitable for your pet's needs.
Balance cost with coverage to ensure you're getting the protection you need. Look for insurers that provide good value for the coverage offered.
Different types of insurers cater to various customer preferences. Some cater to budget-conscious pet owners, while others cater to those seeking comprehensive coverage. By choosing an insurer that aligns with your needs, you'll have a better chance of finding a policy that suits you.
Evaluate the benefit percentage (the portion of vet expenses covered) and the annual limit (maximum amount covered in a policy year) offered by various pet insurance plans. A higher benefit percentage means the insurer contributes more towards the bill, reducing your out-of-pocket expenses.
Don't settle for the first offer you come across. Obtain quotes from multiple insurers and compare their coverage and premiums. If you are looking for good-value pet insurance, you can compare policies with Savvy today.
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.
© 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.
