25 Sep 2023
Protecting your pet and your wallet with pet insurance
Explore the benefits of pet insurance and safeguard your furry friend's health and well-being. Don't let...
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We tend to think of our pets as members of our family. It’s natural that we’d want to give them the medical care they deserve, but vet bills can be very expensive! Pet insurance can help you provide the medical care your pet needs if they’re involved in an accident or become ill. Depending on your level of cover, you can claim up to 85% of eligible vet bills up to a $20,000 limit per year (exclusions, benefit limits, sub-limits, and annual condition limits may apply).
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From dreamy dogs to cute cats, your pet deserves the finest care when it comes to their health. That’s why Choosi compares different pet insurance policies in Australia to help you find the best deal based on your pet’s breed, your budget, and more. Our comparison even shows you which optional extras you can get with each provider, so you’ll have everything you need to make sure your pet is in good hands. Check out our side-by-side comparison of the standard covers available below to get started. Once you find a plan that works for you and your pet, you can purchase it for the same price as going direct. It’s that easy!
| Brand | Entry age eligibility | Benefit limit1 | Benefit percentage reimbursed for eligible vet expenses | Covers illness2 | Covers accidental injury | Tick paralysis benefit1,2 | Cruciate ligament conditions benefit1,3 | Emergency boarding fees limit1 | Feature |
|---|---|---|---|---|---|---|---|---|---|
 Essential Accident & Illness Cover | From 8 weeks old and younger than 9 years old | $12,000 | Up to 75% | $1,000 | $2,6004 | $1,000 | 10% policy discount for over 50s | ||
 Gold Accident & Illness Cover | From 8 weeks old and younger than 9 years old | $12,000 | Up to 75% | $1,000 | $2,6004 | $1,000 | |||
 Imperial Accident & Illness Cover | From 8 weeks old and younger than 9 years old | $14,000 | Up to 80% | $1,000 | $2,6004 | $1,000 | $2,000 yearly dental illness benefit available after 2 years of holding cover | ||
 Standard Accident & Illness Cover | From 8 weeks old and younger than 9 years old | $12,000 | Up to 75% | $1,000 | $2,6004 | $1,000 | Get a 10% refund of your first year’s premiums you’ve paid after 12 months with The Real Reward™ | ||
 Economy Accident & Illness Cover | From 8 weeks old and younger than 9 years old | $11,000 | Up to 75% | $1,000 | $2,6004 | $1,000 | 10% discount on any additional cat or dog policy | ||
 Comprehensive Care Cover | From 8 weeks old and younger than 9 years old | $15,000 | Up to 80% | $2,000 | $3,200 | $1,000 | 10% discount on any additional cat or dog policy |
- Unless specified, all benefit amounts are annual limits.
- A 30-day waiting period applies.
- A 6-month waiting period applies.
- You may be eligible for a higher limit and if so, this will be stated on your applicable Certificate of Insurance.
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Why use Choosi for your pet insurance comparison?
Choosi makes finding pet insurance easy.
Choosi helps you compare pet insurance policies from a range of different providers to make sure you find the best deal for your noble companion. We’re pet lovers too, so we know caring for a cat or dog can be stressful at times. That’s why we do the hard work for you by comparing policies based on your pet’s breed, your budget, level of cover and more. Plus, you can apply for cover right here for the same price as going direct. That means less time worrying about insurance and more time enjoying life with your beloved pet.
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Dog and cat insurance
Dog Insurance
Without pet insurance, treatment for something as simple as bone ingestion has been known to cost as much as $11,000, and a bite injury from another dog can cost as much as $13,913.38.
(based on 2018–2019 PetSure claims statistics)
Cat insurance
Without pet insurance, a simple Toxoplasma test (required if your cat eats birds or mice that may be infected with Toxoplasma gondii) has been known to cost up to $381.44 and a traumatic injury can cost as much as $7,000.
(based on 2018–2019 PetSure claims statistics)
Learn more about pet insurance
Choosing insurance can be complicated and confusing. These clear, simple articles provide general information aiming to help you understand more about pet insurance, how it works, and why you should consider it.
As our animals age, medical care becomes more likely and complicated. For example, an average claim is $2,131.42 for a snake bite, $1,950.66 for diabetes, and $1,859.31 for cataracts (based on 2018–2019 PetSure claims statistics). Pet insurance could be the answer if you worry about being able to pay for the treatment your dog or cat may need.
It’s important for you to select a level of cover that suits your needs and those of your pet. As inclusions and exclusions vary between policies, it’s best to do your homework. We assist you with everything you need to know; from what pet insurance is, what pet insurance covers, eligibility, and the types of cover available that Choosi can arrange for you.
The right pet insurance for your pet will depend not only on the type of policy you choose, but also on the breed, age, and medical history of your dog or cat. You may decide you only want to cover your pet for accidents or extend that cover to illness too. Choosi only offers pet insurance from a range of brands that cover both specified accidental injuries and illness.
At some point in your pet’s life, it’s possible they may face a serious, life-threatening incident. It could be a car accident or a deadly bite from an insect or snake, or they might have eaten something they shouldn’t have. Here are our five steps for taking swift action when your pet’s in trouble.
Give your pet the care they need with pet insurance cover and optional extras like routine care for items such as vaccinations, desexing and worming.
Find out where you stand with your savings
Use our handy tool to see how your financial situation stacks up against other people in your generation/age group, according to the 2019 Choosi Dollar Report.
Frequently Asked Questions (FAQsFrequently Asked Questions)
Pet insurance works by helping to cover a portion of the cost of an eligible vet treatment for dogs and cats, by reimbursing that cost to you once you make a successful claim. Some brands offer accident-only cover for pets of all ages. However, with Choosi, you can apply for both specified accidental injury and illness cover for pets up to younger than 9 years old and up to younger than 16 years old for some policies. Depending on the policy you choose, you can claim up to 85% of eligible vet bills, up to $20,000 per year.1
In addition to specified accidental injuries and illnesses, some policies also include a benefit for emergency boarding, essential euthanasia, pet overseas travel insurance, and paralysis ticks, at no extra cost. Some policies include cover for dental illness with a two-year waiting period. You’ll need to check the product details of the policy you wish to purchase to find out what’s covered under your preferred plan, by reading the relevant Policy Booklet.
Generally, the following won’t be covered by pet insurance:
- pre-existing conditions or conditions arising within the applicable waiting period;
- chronic or recurring conditions beyond pre-set annual benefit limit;
- widespread declared pandemic diseases;
- alternative therapies;
- voluntary euthanasia;
- prosthesis and organ transplants;
- treatment related to breeding and obstetrics;
- elective treatments;
- routine/preventative treatments (unless you add it to your cover for an extra fee)
- dental care; and
- a lack of protection for pet due to gross negligence.
The above exclusions aren’t the full list of what’s not covered, so it’s important to check the Policy Booklet of the product you want to purchase to ensure you know exactly what won’t be covered by your policy.
Choosi compares pet insurance plans with and without an applicable excess. For any plans with an excess, you’ll receive a reimbursement of up to 85% of your eligible vet bills less the applicable excess.1
At some point, your pet may need to see a vet for treatment of either an injury from a specified accidental injury or an illness, and vet bills can be very expensive. Having pet insurance can help reduce the burden of these bills, so you can give your pet the treatment that they need.
* Pre-existing conditions and some illnesses are excluded. Benefit limits, sub-limits and annual condition limits apply. Claim for reimbursement. Information is general. Please read and consider the relevant Policy Booklet (containing the Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide) before purchasing for specific details of the policy’s inclusions and exclusions based on your selected level of cover.
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Compare pet insurance products now
If you and your pet are searching for a top deal, start comparing with Choosi today. It’s 100% free to compare and once you find the perfect policy you can apply for the same price as going direct. If you’d like to talk later, you can request a call-back for better time using the link below.