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Compare Pet Insurance

Search and compare pet insurance options with Savvy to help you find health cover for your animal companion 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. 

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.

Pet insurance is an essential financial safety net for Australian pet owners, providing coverage for unexpected veterinary expenses. However, to ensure you’re getting the cover that’s right for you and your pet, it’s important to compare policies and insurers. That’s where Savvy can help.

Our handy comparison tool allows you to compare quotes from some of Australia’s leading insurers side by side to help you find a pet insurance plan that suits your needs. Get started with a free, no-obligation quote today.

How do I compare pet insurance policies in Australia?

When completing a pet insurance comparison in Australia, there are several factors to take into account. The following are some of the key considerations to make:

  • Your pet’s needs: consider your pet’s age, breed, health and lifestyle. Different pets have varying healthcare needs and potential risks, so understanding your pet's specific requirements will help you understand which policies most closely align with their health profile.
  • Coverage options: look for pet insurance policies that serve your pet’s needs. Check what each policy covers, including accident coverage, illness coverage and routine care, and their benefits and exclusions.   
  • Premiums: compare the cost of different policies from multiple insurers. Keep in mind that cheaper policies, such as accident-only, may have more limited coverage than costlier policies in some cases, so ensure you’re getting the most adequate protection for your pet.
  • Excess: the excess is the amount you’ll need to pay out of pocket when making a claim. A higher excess can lead to lower premiums, but ensure you can afford the excess if you need to make a claim.
  • Benefit percentage, annual limits and sub limits: the benefit percentage is the portion of eligible vet expenses covered by the insurance company. A higher benefit percentage means the insurer contributes more towards the bill, reducing your out-of-pocket expenses. Additionally, check the annual benefit limit, which is the maximum amount the insurer will pay for all eligible expenses within a policy year, and sub limits, which are the maximum coverage amounts for particular types of treatments.
  • Waiting periods: certain conditions may have waiting periods before you can be covered for treatment. This can vary between insurers, so it is important to check to see what sort of stipulations the policy may have.
  • Policy exclusions: read the policy’s exclusions to understand what's not covered. Common exclusions include pre-existing conditions, hereditary conditions and certain elective procedures.
  • Reviews and ratings: look for customer reviews and ratings of different pet insurance providers to gauge their reputation and customer satisfaction.

What factors affect the cost of my pet insurance?

The cost of pet insurance can be influenced by several factors, including:

  • Pet’s age: generally, older pets may have higher insurance premiums due to an increased likelihood of health issues and veterinary care as they age.
  • Pet’s breed: certain breeds may be prone to specific health conditions, such as French Bulldogs, leading to higher insurance costs for those breeds.    
  • Pet’s health: pre-existing medical conditions or chronic illnesses may result in higher premiums or exclusions from coverage.
  • Level of coverage: comprehensive pet insurance policies covering accidents, illnesses and routine care typically have higher premiums compared to basic accident-only policies.
  • Benefit limits: policies with higher annual benefit limits or reimbursement percentages may come with higher premiums.
  • Excess: choosing a higher excess can lower premiums, but you’ll pay more out-of-pocket for each claim.
  • Location: the cost of veterinary care can vary based on your location, and this may be reflected in the premium.
  • Claims history: a history of frequent claims or expensive veterinary treatments may impact future premiums.
  • Gender: some insurers consider the gender of your pet when calculating premiums, as certain health conditions may be more common in male or female animals.
  • Multi-pet discounts: insuring multiple pets under the same policy may lead to discounts on premiums.   
  • Desexing: desexed pets may receive lower premiums as they are generally less prone to certain health issues.

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.

Top tips for comparing and choosing pet insurance

Tailor coverage to your pet’s needs

Assess your pet’s specific needs, such as age and breed. Choose a policy that aligns with their healthcare requirements and potential risks, ensuring they receive the necessary coverage for their well-being.

Look beyond the price

While comparing premiums is important, don’t solely focus on the lowest price. Consider the coverage offered, benefit percentages, annual limits and exclusions to ensure you’re getting adequate protection for your pet.

Review policy exclusions

Carefully read the policy’s exclusions to understand what isn’t covered. Being aware of exclusions such as pre-existing or hereditary conditions can help you choose a policy that matches your pet’s potential health requirements and your expectations.

Shop around

Pet insurance policies can vary significantly in terms of coverage, premiums and benefits. Take the time to shop around and compare quotes from different insurers to find the best deal for your pet. With Savvy’s online comparison tool, you can compare a range of quotes in moments.

How to compare and choose pet insurance with Savvy

Our Process

Complete our online form

Enter details about your pet and coverage preferences into our user-friendly online form, which should only take a few minutes to complete.

Review quotes from our partners

After submitting the form, you will receive multiple quotes from our trusted partners, allowing you to compare premiums, coverage and exclusions.

Choose and purchase your policy

If you find a pet insurance plan that suits your requirements, we’ll guide you through the purchase process with your chosen provider.

Frequently asked questions about comparing pet insurance

Is the cheapest pet insurance always the best option?

No – while cost is an important factor, the best pet insurance policy for your pet will depend on their specific needs, health and potential risks. When looking for pet insurance in Australia, it’s essential to balance affordability with adequate coverage.

Can I customise my pet insurance policy?

Yes – many pet insurance providers offer customisable plans, allowing you to tailor the coverage to suit your pet’s requirements. For example, you may be able to adjust excess or benefit percentage amounts or add optional benefits like routine care or wellness coverage to your policy.

How do I determine the right level of coverage for my pet?

In Australia, there are generally three levels of pet insurance: accident-only, accident and illness and comprehensive. A comprehensive policy typically covers accidents, illnesses and optional routine care, providing broader coverage but often at a higher cost. On the other hand, an accident-only policy is typically the most budget-friendly but offers more limited coverage. To determine the appropriate level of coverage, assess factors such as your pet’s age, breed and lifestyle. 

Can I switch pet insurance providers if I'm not satisfied?

Yes – you can switch pet insurance providers at any time if you aren’t satisfied with your current policy. If you cancel during your policy’s cooling-off period, you’ll likely receive a full refund unless you have made any claims. However, if you switch mid-policy, you may not be eligible for a refund and could potentially face cancellation fees. Furthermore, be mindful of any waiting periods or pre-existing condition exclusions that may apply when starting a new policy.

Can I get discounts on pet insurance premiums?

Yes – some insurers offer promotional discounts or loyalty rewards to their customers. Others may allow you to bundle different insurance policies or insure multiple pets under one pet insurance policy for cost savings. 

Can I choose my own vet with pet insurance?

Yes – many pet insurance plans allow you to choose your preferred vet. This gives you the flexibility to continue seeing a vet you trust and are comfortable with for your pet’s medical needs. However, it is important to review the details of your policy to confirm whether there are any limitations or requirements for choosing a vet.

Are there age requirements for pet insurance?

Yes – insurers commonly have minimum and maximum age limits for pets they cover. On most pet insurance policies, cats and dogs can be insured from 8 weeks old. Many also have a maximum age limit for new policies, requiring you to take out insurance before your cat or dog turns 9 years old; however, insurers are generally willing to extend coverage as your pet ages, as long as the policy is maintained. In other cases, providers may offer insurance cover for older pets.

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Disclaimer and important things you should know

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.

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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.

Savvy logo

1300 974 066

Sign up to our newsletter

Disclaimer and important things you should know

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.

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