Pet Insurance Discounts

Discover pet insurance discounts that could can help you save on healthcare costs for your animal companion and compare policies with Savvy today.

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, updated on October 6th, 2023       

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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.

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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Pet insurance discounts can make it easier for pet owners to get the coverage they need for their pets without spending too much money. With so many options to choose from, it's important to take your time and compare to find the right pet insurance deal.

That’s where Savvy comes in. Our free and easy comparison service lets you compare different quotes side by side to help you find one that suits you and your pet. Get started on your free, no-obligation quote today.

What discounts and deals can you get with pet insurance?

When you’re looking at new pet insurance plans, there are different ways you can save money and make sure your pet is covered. Insurance companies often have special offers to attract new customers and give them more value. Some common discounts and deals are:

  • Promotional offers: insurance companies sometimes have special offers like introductory discounts, money back or even gift cards and discount promo codes. These can help you save money right away, but they might only be available or applicable for a short time.
  • Online or digital discounts: some companies give discounts if you buy your pet insurance online, meaning everything is handled digitally and you will not need paper documents.
  • Multi-pet discounts: if you have more than one pet, some insurance companies will give you a discount if you insure them all under the same policy.
  • Multi-policy discounts: if you have other insurance policies, like home or car insurance, some companies might give you a discount if you also get pet insurance from them.

How can you find the best pet insurance deals in Australia?

What constitutes the best pet insurance deal is different for everyone. 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 suits your budget or offers 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 specialized 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%.
  • 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.

How else can I save on my pet insurance?

Lots of pet owners in Australia want to save money on pet insurance. Here are some things you can do:

  • Insure your pet early on: get insurance for your pet when they’re young and maintain it as they age. This can save you money as your pet gets older and needs more care, and is generally cheaper than taking out a new policy for your senior pet.
  • Higher excess: opting to pay a higher amount when you make a claim can lower your premium.
  • Only get what you need: Consider which level of coverage and additional features you actually need. By getting only what’s necessary, you could lower your insurance costs.
  • No-claim discount: you may be able to get a discount on your policy if you keep your pet healthy and do not make any claims during your policy year.      
  • Shop around: Don't settle for the first offer you find. Get 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.

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 discounts

Is the cheapest pet insurance policy the best one for me?

No – 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.

Is there a Medicare-style system for pets in Australia?

No, there isn't a Medicare-style system for pets in Australia. However, there are affordable pet insurance options available to help you manage veterinary expenses and ease the financial burden of pet healthcare.

Can I switch pet insurance providers if I find a better deal?

Yes – you can change your pet insurance provider at any time if your current policy isn’t meeting your needs. If you cancel during the cooling-off period, you’ll often receive a full refund unless any claims have been made. However, if you switch providers mid-policy, you might not be eligible for a refund and could face cancellation fees. Also keep in mind that starting a new policy might come with waiting periods or exclusions for pre-existing conditions, so it’s important to understand the terms before making a decision.