Pet Cover

Pet Cover

Pet cover is an important way to help you protect the health of our favourite furry family members.

Protecting your pet!

It’s easy to overlook when your pet is healthy, but waiting until they’re seriously sick could be too late. So when is the right time to take out pet cover? There are a few factors that can help you determine this.

Age limits

The age of your pet can determine when to start your pet cover policy. Both Accident and Illness Cover and Accident Only Cover require your cat or dog to be at least eight weeks old before you can apply Once your pet is covered, you can take them to see any vet licensed to practice in Australia to receive the care they need.

Some policies even allow you to include Routine Care to ensure they are covered for part of the cost of vaccinations, worming treatments and medical health checks. Plus, some policies include extras like Emergency Boarding and Essential Euthanasia at no cost.

Accident Only Cover does not have an upper age limit, but Accident and Illness Cover can only be applied for if your cat or dog is under nine years of age. Be sure to get cover for your pet before that age, because chances are they’ll require more medical care the older they get.

Once your cat or dog is insured, your pet health cover is guaranteed to be renewed throughout your pet’s life, provided there is no break in cover.

Waiting periods and limitations

Accident and Illness Cover generally comes with a 30 day waiting period, while Accident Only cover offers instant cover for most accidents with no waiting period. For both types of pet health cover, there is a six month waiting period for cruciate ligament injuries, but these may be waived at your insurer’s discretion.

There may also be some exclusions (things you can’t claim on), like pregnancy, elective procedures and pre-existing conditions. Be sure to read the Product Disclosure Statement carefully prior to taking out pet insurance to find out the full details of the cover available.

What does Pet Insurance cover?

Depending on the pet cover policy that you select, you can claim up to 85% of your eligible vet bills up to a maximum benefit of $14,000 per year.

Pet health cover premiums start from less than $1 a day, and it’s the most affordable way to ensure the best medical treatment for your cat or dog when they need it most.

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These articles are provided as reference material to allow more informed decision making, but are not intended as being a complete source of information on any topic. All readers should make their own independent analysis on the topic to make sure they have considered the aspects that are important to them.

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Choosi Pty Ltd (ABN 15 147 630 886) offers insurance products from a range of Australian brands. Choosi does not provide information, or offer cover, for all products available in the market and there may be aspects to some products that we do not compare. Choosi is not an insurer and cover is issued by various underwriters. Your use of this website is undertaken in accordance with the full Terms and Conditions.

Choosi is owned by Hollard Financial Services Pty Ltd (ABN 53 128 692 884), the distributor of each pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance policy Choosi is able to arrange directly for the following brands: ACE Insurance Limited, Australian Seniors Insurance Agency, Guardian Insurance, Prime Pet Insurance, Real Insurance, RSPCA Pet Insurance and Woolworths Insurance. Choosi is also a related company of The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473 AFSL 241436), the issuer of each pet insurance product Choosi is able to arrange directly. Information on this website does not take into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) for more information and to ensure the product suits your needs. The PDS for each of the pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance products sold through Choosi and our advisor partner are available through this website. Health Insurance products are not required to have a PDS, but this website has a Fact Sheet for each Health Insurance product Choosi is able to arrange.


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