Comprehensive Pet Insurance
Compare pet insurance policies covering accidents, illnesses and routine care with Savvy today.
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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.
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.
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Comprehensive pet insurance offers extensive coverage for your pet's well-being, encompassing accidents, illnesses and optional routine care to help protect your pet against various health challenges. If you are looking for a comprehensive pet insurance plan for your cat or dog, Savvy can help.
Our 100% free comparison tool allows you to compare policies side by side in moments, providing a range of quotes from trusted insurers for you to choose from. Simplify your pet insurance search – get started with a free, no-obligation quote today.
What does comprehensive pet insurance cover?
Comprehensive pet insurance offers extensive coverage that encompasses a wide range of health concerns, providing a safety net against a variety of situations. This may include:
Accidents and injuries: protection for injuries sustained in accidents and unforeseen events, for example:
- Car accidents
- Fights with other animals
- Poisoning
- Snake and spider bites
- Cuts and lacerations
Illnesses: specified illnesses such as:
- Cancer
- Skin issues
- Gastrointestinal problems
Routine care: generally available as an optional extra, routine care may cover:
- Vaccinations
- Dental check-ups
- Behavioural therapy
- Alternative therapy
- Microchipping
- Desexing
- Flea, tick and worm control
- Cremation/burial
Dental illness: available as an optional extra on some policies, this may include treatment for:
- Gingivitis
- Abscesses
- Tooth removal
- Periodontal disease
- Tooth resorption
- Oral tumours
- Dental trauma
Comprehensive plans may also offer the following benefits:
- Emergency boarding at a licensed kennel or cattery in an emergency situation.
- Euthanasia if deemed essential by your vet.
- Advertising and reward to help locate and recover your pet if it gets lost.
- Overseas travel insurance if you travel abroad with your pet (usually limited to New Zealand and Norfolk Island).
- Home visits by the vet.
- Higher annual limits and benefit percentages, helping to minimise your out-of-pocket costs.
Are there any limitations or exclusions on comprehensive cover?
While comprehensive coverage offers a broad safety net, there may be certain limitations and exclusions:
- Pre-existing conditions: health issues that existed before the policy was initiated or that manifest during waiting periods are generally not covered under comprehensive pet insurance.
- Specified treatments and services: this could be certain medications or accessories, or procedures such as genetic testing.
- Elective surgery: elective or cosmetic procedures such as declawing.
- Breeding and pregnancy: costs related to breeding, pregnancy and giving birth.
- Age limits: you generally cannot take out comprehensive pet insurance for cats or dogs over 9 years old.
Is comprehensive pet insurance right for me?
Comprehensive pet insurance provides wide-ranging protection for your pet's health needs, offering extensive coverage for accidents, illnesses and more, though generally at higher cost than more basic insurance options. Whether it is the best pet insurance choice for you depends on a range of factors, such as your budget and your pet’s unique requirements. If your pet is young and generally healthy or you are looking to save on your pet cover, you might consider alternatives such as accident-only or accident and illness cover. Accident-only coverage provides protection against unexpected injuries, while accident and illness cover extends that to include specified illnesses, but without the optional extras such as routine care.
Types of pet insurance you can choose from
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.
Why compare pet insurance with Savvy?
100% free
Our comparison service is free to use, providing you with a range of pet insurance quotes at no cost.
Compare in two minutes
You'll be able to compare offers online side by side in a matter of minutes before you buy.
Choice of insurers
We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.
Top tips for comparing comprehensive pet insurance policies
Annual benefit limits
Look at the maximum amount you can claim in a year. Higher limits provide more coverage for your pet’s needs.
Reimbursement rates
Check the percentage of your vet bills that the insurer will cover. Higher rates mean lower out-of-pocket expenses.
Excess
Understand how much you’ll need to pay out of pocket for each claim.
Inclusions and exclusions
Read the policy’s fine print to understand what is covered and what’s not.
Waiting periods
Be aware of waiting periods for certain treatments and conditions.
