Pet Health Care and Pet Insurance

Pet Health Care and Pet Insurance

Pet Insurance is simply a way to help you maintain the costs of health care for your cat or dog. By paying a Pet Insurance premium, you insure your pet to receive financial assistance for medical care and attention when they need it – whether for illness, injury or even routine care.

You can take out Pet Insurance for your dog or cat from eight weeks old, and help ensure your favourite furry friend receives the attention and medical treatment they need from any vet licensed to practice in Australia.

What can I claim under a Pet Insurance Policy?

With Pet Insurance, you can apply for cover for your dog or cat for accident and illness provided they are older than eight weeks but younger than nine years.

For a lower premium, you can cover your pet for accidents only, and there’s no upper age limit for applying for this option.

You can even choose to include Routine Care as part of some Pet Insurance policies, to claim for things like vaccinations, health checks, de-sexing and worming treatments. Plus, some Pet Insurance comes with additional care, like Emergency Boarding and Essential Euthanasia, at no extra cost.

Once your pet is insured, your Pet Insurance is guaranteed to be renewed throughout your pet’s life, provided there is no break in cover.

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

Limitations to Pet Cover

Accident and Illness Cover generally comes with a 30 day waiting period for illness, while Accident Only cover has no waiting period for illness. For both types of Pet Insurance, 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, like pregnancy, elective procedures and pre-existing conditions, but you should check the Product Disclosure Statement prior to taking out Pet Insurance.

The cost of Pet Health Insurance

Pet Health Insurance premiums start from less than $1 a day. This means that for less than $7 a week, you can make sure that your cat or dog receives the care and attention they deserve. The Australian Veterinary Association Study (2010) has shown that pets whose owners have Pet Insurance visit the vet more often, keeping them at their healthiest and best. Doesn’t your pet deserve regular care and attention?

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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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