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Best Pet Insurance

Compare a range of pet insurance policies with Savvy to help you find the best deal available from a panel of reputable insurers.  

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, updated on October 6th, 2023       

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Pet Insurance Banner

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. 

site-logos Fetch Care Plan

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$30,000 $100 80%, 90% or 100% pros-item-petins pros-item-petins

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
site-logos Petsy Most Popular 80% Cover $150 Excess

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$25,000 $150 80% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

More details
site-logos Fetch Premium Plan

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$30,000 $0 80% or 90% pros-item-petins pros-item-petins

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
site-logos Knose Pet Insurance

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$7,500, $12,500 or $25,000 $0 / $100 / $200 70%, 80% or 90% pros-item-petins pros-item-petins

Multi-award winning pet insurance designed with the help of vets.

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site-logos Petsy Value Cover 80% Cover $500 Excess

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$10,000 $500 80% pros-item-petins pros-item-petins

Protect your furry friend with Petsy's pet insurance policy. Get a free quote.

More details
site-logos Petsy Top Cover

Annual benefits limit

Excess

% Benefits reimbursement rate

Covers illness?

Covers accidental injuries?

$25,000 $0 / $150 / $500 90% pros-item-petins pros-item-petins

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.

When it comes to finding the best pet insurance in Australia, you need a policy that aligns with your pet’s needs. However, with a myriad of options on offer, navigating the world of pet insurance can be overwhelming. That’s where Savvy can help. With our online comparison service, you can compare pet insurance policies in moments, helping you find a plan that meets your requirements. Get started on your quote today.   

How do I find the best pet insurance?

As a pet owner, ensuring the health and well-being of your animal companion will be a top priority. Pet insurance can be a valuable investment, providing you with the peace of mind that your pet will be cared for in the case of unexpected accidents or illnesses. However, to help you find the best possible policy for your needs, it’s important to consider a number of factors:

Your financial circumstances

Assess your budget and finances to determine the type of pet insurance policy that fits within your means. Consider the balance between premiums and coverage, ensuring you can comfortably afford the monthly payments and any potential excess payments or out-of-pocket expenses.

The type of pet you have

Different pets have varying healthcare needs and potential risks. For example, certain breeds may be more prone to specific health conditions or hereditary issues. Choose a policy that aligns with the unique characteristics and health requirements of your pet.

Your pet’s susceptibility to health problems

Consider your pet's breed and age to identify any predispositions to common health problems. Ensure the insurance policy covers conditions that are relevant to your pet's specific needs.

Your pet’s age

Your pet's age plays a significant role in determining the appropriate coverage. Younger, more active pets might benefit from accident and illness coverage, while older animals may require coverage to address age-related health issues.

What’s the best type of pet insurance for me?

There are three main types of pet insurance on the market in Australia: accident-only insurance, accident and illness insurance and comprehensive insurance. Let’s take a general look at what each type covers:   

Will this insurance cover you for… Accident-only Accident and illness Comprehensive
Accidental injury?
Illness and disease?
Routine care?
✓*
Dental illness?
✓**

* Available as an optional extra

** Available as an optional extra on select policies

Accident-only insurance

What it can cover: accidental injuries, such as those resulting from car accidents, fights with other animals, poisoning, snake and spider bites, and cuts and lacerations, but not illnesses or routine care.

Who it’s best for: those looking for a basic, budget-friendly level of healthcare for their pet. It may also be suitable for older pets that do not qualify for higher levels of cover.

Accident and illness insurance

What it can cover: accidents, sickness and disease, including conditions such as eye, ear and skin problems, cancer and gastrointestinal problems, but not routine care.

Who it’s best for: those looking for a mid-level policy that offers protection for a range of events and conditions but at a lower cost than comprehensive cover.

Comprehensive insurance

What it can cover: accidents, illnesses and optional routine care such as microchipping, desexing and teeth cleaning, offering the highest level of coverage for your pet though at a higher cost.   

Who it’s best for: pet owners who want the highest level of coverage and are willing to pay higher premiums to ensure their pets receive extensive protection for accidents, illnesses and routine care, providing peace of mind and financial security.

How do I compare the best pet insurance policies?

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 suit your budget or offer 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 specialised 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%.

Sub limits

Sub limits refer to specific maximum coverage amounts for particular types of treatments or procedures outlined in the policy. These can vary depending on the insurance provider and the specific plan you choose – some providers might not set any sub limits at all – so it is important to check the policy documents.

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.

Discounts

Check if there are any discounts available with the policy. For example, multi-pet discounts can be beneficial if you have more than one pet to insure. Additionally, insuring your pet while they are young can result in lower premiums compared to insuring older pets. 

Types of pet insurance you can choose from

Why compare pet insurance with Savvy?

How does the pet insurance claims process work?

Top tips for how to save money on the best pet insurance deal

Insure your pet early on

Insuring your pet from a young age typically results in lower premiums and ensures coverage before any pre-existing conditions develop. As pets age, they may become more susceptible to health issues and obtaining insurance can be more expensive and challenging to arrange.

Check excess and benefit percentage

Opting for a higher excess – the amount you must pay before the insurer covers the cost – or lower benefit percentage may reduce monthly premiums, though keep in mind that you will likely face higher costs in the event you have to claim for treatment.

Bundle policies

Your insurer may offer discounts for bundling different insurance policies or insuring multiple pets under one plan, which may be a cost-effective option if you own more than one animal or are looking for different types of insurance coverage.

Frequently asked questions about the best pet insurance

What is the best pet insurance in Australia?

The best pet insurance varies depending on factors such as your pet's age, breed, health condition and your budget. For instance, while some pet owners may consider a comprehensive policy that covers accidents, illnesses and routine care to be the best, others might prefer a more basic plan that focuses on accident-only coverage.   

How much does the best pet insurance cost?

The cost of pet insurance will differ based on several factors, including the level of coverage, your pet’s age, breed, location and the insurer’s pricing. Generally, comprehensive policies with higher benefit percentages and annual limits will have higher premiums, while accident-only or more limited plans may be more affordable.

When is the best time to take out pet insurance?

The best time to take out pet insurance is when your pet is young and healthy, preferably before any pre-existing conditions develop. Insuring your pet early can help you secure lower premiums and ensure coverage for future health issues that may arise.

Is a lifetime policy the best insurance option for my pet?

Lifetime pet insurance policies provide continuous coverage throughout your pet’s life, even if they develop chronic conditions or age-related ailments. While lifetime policies may have higher premiums, they can offer more long-term financial protection and peace of mind. Because of this, whether it’s the best option for you will ultimately depend on your circumstances.

What is the best pet insurance for my senior pet?

When taking out pet insurance for an older animal, your options may be limited, but the best pet insurance policy for senior pets may include coverage for age-related health concerns, such as chronic illnesses and mobility issues. However, it’s essential to compare policies and find one that suits your senior pet's health requirements and your financial situation.    

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