What does pet insurance cover?
Pet insurance is available for cats and dogs. The type of cover that Choosi can arrange offers a combined specified accidental injury and illness cover with extras that can be added (see table below). The relevant Policy Booklet (containing the Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide) outlines which illnesses and injuries are covered under a policy.
Pet insurance can be purchased for puppies and kittens aged from 8 weeks old. If you’re taking a new policy for an older cat or dog, you may find that some policies have an age limit of younger than 9 years (some policies cover up to younger than 16 years) and won’t cover your pet. However, once you have the policy in place, you can renew your policy each year regardless of your pet’s age, provided there’s no break on your cover (your renewal may also be subject to other renewal terms and conditions from your insurer). In other words, your policy won’t expire once your pet turns 9 years old (or 16 years old for some policies), as long as you took out the policy before your pet turned 9 years (or 16 years for some policies). You’ll need to refer to each individual Policy Booklet for all of the relevant policy’s inclusions, terms and conditions, and exclusions.
With pet insurance, some policies offer benefits on top of the standard policy including emergency boarding, essential euthanasia, and paralysis ticks. You can also add optional extra cover on top of the standard cover to some policies, such as routine care (an additional premium applies). See the table below for how these can add value to a pet insurance policy.