Pet Insurance New South Wales

Wherever you are in NSW, you can compare pet insurance quotes side by side with Savvy's free comparison tool today.

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, updated on April 11th, 2024       

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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.

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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.

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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.

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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.

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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.

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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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Whether you’re considering a move to New South Wales or you’re already here, as a pet owner in the state, it's essential to ensure you have the appropriate pet insurance for your beloved companion. However, the multitude of available options might make choosing a pet insurance policy seem overwhelming. That’s where Savvy steps in.

Our free online comparison platform empowers you to swiftly compare quotes from a selection of trusted partners. So, whether you're in Sydney’s vibrant CBD, enjoying the coastal vibes of Manly or are anywhere else in the state, we’re here to assist you in finding a policy that aligns with your needs and your furry friend’s well-being. Get started with a free, no-obligation quote today.

What is pet insurance and what types are available in New South Wales?

Pet insurance acts as a financial safety net for pet owners, helping cover the expenses associated with veterinary care for your pets. Similar to health insurance for humans, pet insurance provides coverage for a range of medical expenses, which can ensure that your beloved companions receive essential medical attention without causing undue financial strain. In NSW, there are three primary types of pet insurance policies available, each offering distinct levels of coverage and benefits:

Accident-only: this type of policy addresses medical expenses related to accidental injuries, such as fractures, lacerations and poisoning.

Accident and illness: going beyond accidental injuries, this policy encompasses a range of illnesses. It typically covers treatments for conditions like cancer, gastrointestinal problems, and eye, ear and skin issues.

Comprehensive: this is the most extensive form of pet insurance available, covering accidents and illnesses and also including optional extras such as routine care and even dental illness coverage.

How much will insurance cost for my pet in New South Wales?

The cost of pet insurance in NSW can vary based on several factors, including:

  • Coverage level: accident-only coverage tends to be more affordable than comprehensive coverage, as it encompasses a narrower range of incidents.
  • Type, breed and age of your pet: certain breeds may be predisposed to specific health concerns, and senior pets might face higher premiums due to a greater likelihood of health issues.
  • Geographical location: veterinary costs can differ by location, influencing insurance premiums. For example, in areas with higher veterinary expenses, like urban centres, insurance rates might be higher.
  • Excess and reimbursement levels: choosing a higher excess or a lower benefit percentage can result in lower premiums – though it can mean increased out-of-pocket expenses per claim.
  • Pre-existing conditions: pets with pre-existing conditions might incur higher premiums or could even be excluded from certain coverage.
  • Desexing: having your pet spayed or neutered might lead to reduced insurance premiums, as it can potentially mitigate the risk of certain health issues.
  • Discounts and offers: some insurers offer sign-up discounts for new policies or multi-pet discounts when insuring multiple pets under the same provider.

How do I compare pet insurance in New South Wales?

When comparing pet insurance policies in NSW, consider the following:

  • Your pet's requirements: Every pet has its own distinct needs and risks, so evaluate their age, breed, health and lifestyle to ensure you choose an appropriate policy.
  • Coverage options: look at different insurance policies to understand what is covered and what is excluded.
  • Premiums: compare the costs of different policies from various insurers. Keep in mind that cheaper policies, such as accident-only coverage, may offer limited protection compared to pricier alternatives.
  • Excess: the excess is the out-of-pocket payment you must make when filing a claim. While a higher excess can yield lower premiums, make sure you can cover the higher costs in the event of a claim.
  • Benefit percentage and annual limits: examine the benefit percentage (the portion covered by the insurer for eligible veterinary expenses) and the annual benefit limit (the maximum amount the insurer will pay for treatments within a policy year). Opting for higher limits can result in reduced out-of-pocket costs.
  • Waiting periods: certain conditions might require waiting periods before coverage starts. These waiting periods can differ between insurers, so it's important to review the policy terms.
  • Policy exclusions: look into the policy exclusions so you understand what won’t be covered. This could include things like pre-existing conditions, genetic problems and certain elective procedures.

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 in New South Wales

Do I need to microchip my cat or dog in New South Wales?

Yes – in NSW, cats and dogs must be microchipped before they are sold or given away or before they are 12 weeks old, whichever is sooner.  

Do pets need to be desexed in New South Wales?

No – in NSW, there is no mandatory requirement for cats and dogs to be desexed. However, it is encouraged by the NSW government. In the state, dogs desexed before 6 months old receive discounted registration fees. Furthermore, cat owners must pay for annual permits if their animal is not desexed by 4 months old.

Do I need to switch my pet insurance if I move to New South Wales from another state?

If you’re moving to NSW from elsewhere in Australia and you have pet insurance, it's a good idea to take a look at your current policy. Check if the coverage still applies in NSW and if it suits your new location. If it doesn’t, you may need to cancel and switch to a policy that fits your new setup.

What isn’t covered by my pet insurance?

Specific restrictions or exclusions will be outlined in your pet insurance policy, but many policies will typically not cover:

  • Banned breeds
  • Pre-existing conditions
  • Deliberate harm and negligence
  • Elective treatments
  • Pregnancy and birth
  • Commercial use