Discover pet insurance options in Australia with no waiting period and explore coverage possibilities with Savvy today.
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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.
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.
As a pet owner, you’ll want the best for your animal companion, including access to healthcare when you need it. Pet insurance plays a vital role in covering unexpected medical expenses, but what if your pet needs immediate coverage?
Depending on the situation, you may be able to access pet insurance with no waiting period in Australia. Find out what types of cover you can get and explore your options with Savvy’s 100% free comparison tool, allowing you to compare quotes from trusted insurers in moments. Get started today.
A waiting period in pet insurance refers to the duration between purchasing a policy and when the coverage takes effect. During this time, certain conditions and treatments may not be covered. There are two main reasons for this:
You may be able to get pet insurance with no waiting period, but these will generally be for accident-only cover. For illnesses and other issues, cover won’t be instant under your pet insurance policy and you’ll generally have to wait for a set period as outlined in your product disclosure statement (PDS). The following gives a general overview of the types of waiting periods you could expect for certain conditions:
| Cover for | Examples | General waiting period |
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Accidents: physical harm or injury resulting from an accidental incident |
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0 – 21 days |
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Illness: sickness, disease or infection, as diagnosed by a veterinarian |
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21 – 30 days |
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Routine care: preventative healthcare treatments, usually available as an optional extra |
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0 days |
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Alternative treatments: non-conventional or complementary therapies used to address various health conditions in pets |
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30 days |
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Serious conditions: severe health issues that require significant medical attention and treatment |
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6 months |
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Dental illness: medical conditions and issues that affect a pet’s oral health |
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6 months – 2 years |
If your cat or dog gets sick with an illness or condition outlined in your pet insurance plan before the end of the specified waiting period, you can seek treatment but won’t be covered under your insurance policy. This means that you will be responsible for paying all costs associated with the treatment for that issue and won’t be able to claim any reimbursement from your insurance provider. Depending on your insurer and the circumstances, there’s also a chance that the condition will subsequently be deemed a pre-existing condition, which may mean it’s excluded from your policy.
Yes – waiting periods can be waived for certain conditions under specific circumstances. For example, some pet insurance providers offer the option to waive waiting periods for cruciate ligament conditions, a common condition in dogs, which typically have a standard waiting period of six months. To qualify for the waiver, you must have your pet examined by a veterinarian, and upon certification that your pet has no history of or latent cruciate ligament conditions, you can submit a waiver form to the insurer.
However, it's essential to note that not all conditions may be eligible for a waiver. Each insurer has its own policies and criteria for waiving waiting periods, and the decision ultimately rests with the insurer. Additionally, the waiting period waiver is usually offered for specific conditions that are considered less prone to being pre-existing conditions or resulting in fraudulent claims.
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.
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.
