Pet Insurance for a Puppy
If you are seeking pet insurance cover for your puppy, you can compare a range of pet insurance quotes 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.
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 |
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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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A new puppy is an exciting addition to a household, but it also comes with responsibilities, including ensuring their health and well-being. Pet insurance for puppies can help provide the necessary care throughout their early stages of life. However, with so many options available, navigating the world of pet insurance can be overwhelming. That’s where Savvy can lend a hand.
Our online comparison tool allows you to easily explore different policies to help you find one that suits your puppy’s requirements and your budget. Get started with a free, no-obligation quote today.
What does pet insurance for puppies cover?
Pet insurance is a financial safety net that helps cover veterinary expenses and medical care for your pet. While there are no pet insurance plans specifically for puppies in Australia, they can generally be insured on standard dog or pet insurance plans. There are three main types of pet insurance in Australia, offering different levels of cover depending on your puppy’s needs and requirements. These are:
- Accident-only cover: this covers injuries resulting from accidents, giving you peace of mind in case of the unexpected.
- Accident and illness cover: this provides a broader scope of protection, safeguarding against a variety of illnesses as well as accidents.
- Comprehensive cover: this provides the most extensive level of protections, covering accidents and illnesses as well as optional routine care and even dental illness cover.
Certain policies might offer additional benefits, such as lost animal cover, travel cover and emergency boarding.
Are there any exclusions or limitations on pet insurance for my puppy?
While pet insurance can help cover the cost of treatment and other issues, your policy may have limitations and inclusions. These commonly include:
- Waiting periods: a specific time frame must elapse after purchasing the policy before coverage applies to certain conditions or treatments.
- Age limits: policies may have age restrictions for coverage, typically from 6 weeks for puppies up to 8 years old.
- Annual benefit limits: the maximum amount the insurer will pay out in a policy year.
- Benefit percentage limits: the portion of eligible expenses covered by the insurer.
- Excess: an agreed-upon amount you must pay when making a claim before the insurance coverage takes effect.
- Specific treatments: some treatments, procedures or elective services might not be covered.
- Breed-specific exclusions: certain breeds may have limitations on coverage due to their predisposition to certain health issues.
What specific healthcare issues or requirements do puppies have?
Puppies can be vulnerable to health issues and other incidents, as their developing immune system and boundless curiosity make them more susceptible to various conditions compared to adult dogs. Common issues include ear infections, diarrhoea, vomiting and skin allergies, as well as accidental injuries such as fractures, swallowing foreign objects and bite wounds.
Furthermore, in their first year, puppies should receive a number of vaccinations against diseases such as distemper, hepatitis and parvovirus.
Puppies should also be desexed when they are young, usually before they are six months old. Several Australian states have laws mandating the desexing of pet dogs, so it is important to check local requirements. For example, in the Australian Capital Territory, it is an offence to own an undesexed dog over 6 months old without a permit.
Depending on your pet insurance plan, you may be covered or partially covered for these issues, though it is important to check your product disclosure statement for clarification.
Is taking out pet insurance for a puppy worth it?
Insuring your puppy at a young age can have several advantages:
- Early coverage for health conditions: puppies are more prone to certain health issues due to their developing immune systems. Insuring them early ensures that potential health conditions are covered from the start.
- Lower premiums: premiums for pet insurance are often lower when your puppy is young and healthy, allowing you to lock in more affordable rates for the future.
- Pre-existing conditions: insuring your puppy early helps avoid potential pre-existing condition exclusions, as any new conditions that arise after the policy is in place will be covered.
- Continuous coverage: starting insurance early ensures continuous coverage as your puppy grows into an adult dog, providing ongoing protection for a lifetime of potential health needs.
- Peace of mind: having insurance in place early gives you peace of mind, knowing that you're financially prepared to provide the best care for your furry friend, no matter what health challenges they may face.
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?
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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 to reduce your puppy pet insurance costs
Healthy lifestyle
Maintain a healthy routine for your puppy through regular exercise, a balanced diet and preventative care to minimise the likelihood of claims and manage premiums.
Higher excess
Opting for a greater excess amount can reduce your premiums – though ensure you can afford the payout if necessary for a claim.
Lower benefit percentage
Choosing a reduced benefit percentage – the amount the insurer covers of veterinary expenses – can lower premiums, but leave you paying more after a claim.
Bundle coverage
Consider multi-pet policies or bundling different policies if offered by your insurer for potential discounts.
Compare pet insurance plans
Explore and compare policies using Savvy to find suitable and cost-effective pet insurance options.