Pet Insurance: what is covered and what is not covered

Pet Insurance: what is covered and what is not covered

There’s no one size fits all Pet Insurance Policy, which means you need to do serious shopping around to find the cover that offers maximum protection at a realistic cost.

To help you choose, here is a general overview of inclusions and exclusions – what is covered and what is not covered. These will vary from different insurers but the following can serve as a guide that applies to most policies on the market today.

What most policies cover

  • Hereditary and congenital conditions.
  • Accident injuries with no waiting period imposed.
  • Illnesses caused by parasites like tapeworm, provided the pet has been vaccinated.
  • Patella Luxation, a knee joint problem which is quite common, particularly in certain breeds.
  • Elbow dysplasia, a front leg degenerative condition, found in large breeds and generally requiring surgery.
  • Cancer, diabetes and skin diseases.
  • Essential euthanasia.
  • Stray animals, provided you have them checked by a vet.
  • Some policies pay for death from illness, holiday cancellation, straying and some even pay for the cost of advertising lost pets.

What most policies do not cover

  • Pre-existing conditions, unless you have special documentation from your vet.
  • Chronic or recurring conditions beyond pre-set annual benefit limit.
  • Third party liability for injury or damage – caused mainly by dogs.
  • Claims within the initial waiting period which is 30 days from joining. Some policies also have a 6 month waiting period for ligament injuries.
  • Illegal breeds.
  • Pets under 8 weeks and older than 9 years.
  • Pandemics.
  • Special therapies including stem cell and alternative therapies.
  • Voluntary euthanasia.
  • Prostheses and organ transplants.
  • Conditions that could be prevented by vaccination.
  • Breeding and obstetrics.
  • Above pre-set maximum payments for hospitalisation, medicines, skin conditions and radiography.

Although there appear to be many exclusions, when you consider what is covered, you’ll realise that the policy covers most of the common conditions that pets can be subject to.

If you need a greater range of options they are available. However, most insurers focus on the above inclusions because this is the cover that most pet owners want, as these are the conditions most likely to incur vet bills, driving up the cost of owning a pet.

To answer a frequently asked question:

“Does it pay to insure a pet?”

Yes, because when it comes to our precious pets, Pet Insurance helps reduce the financial burden if a pet becomes ill or is involved in an accident.

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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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