Pet Insurance
FAQs

 

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Frequently asked questions

Pet insurance is available to cover dogs and cats over the age of 8 weeks. Some brands offer accident cover for pets of all ages and you can apply for accident and illness cover for pets up to 9 years old. Insurance can pay up to 85% of eligible bills, with a value of up to $20,000 per year (this will depend on the cover that you select. Pre-existing conditions are excluded and sub-limits may apply).
Standard policies cover accidental injuries or accident and illness; however some policies also include a benefit for Emergency Boarding, Essential Euthanasia and Paralysis Ticks. You will need to check the product details of the policy you wish to purchase to find out what is covered under your preferred plan. See the relevant Product Disclosure Statement for full details.
Choosi compares pet insurance plans with and without an applicable excess. For plans that do not have an excess – you should note that you will get a refund of between 75% and 85% of your eligible bills (depending on the cover you select, pre-existing conditions are excluded). With plans that do have an excess you will receive a refund of between 75% and 85% of your eligible bills (depending on the cover you select, pre-existing conditions are excluded) less the applicable excess.
At some point your pet will need to see a vet, for treatment of either an injury or an illness and vet bills can be very expensive. Having insurance can alleviate the burden of these bills and ensure that you can afford to give your pet the treatment that they need.
Pet insurance will cover most breeds of cats and dogs.
If you do not know how old your pet is your vet should be able to give you an estimate.
You will need to check the relevant Product Disclosure Statement of the policy you wish to apply for, but generally as long as symptoms or clinical signs of these defects were not present prior to the policy commencement date they will be covered.
Your policy will commence at midnight on the day that your proposal is accepted by the insurer.
This will depend on the product that you purchase and you will need to check the Product Disclosure Statement for full details of the policy that you wish to apply for. As a general guide you can claim for accidents immediately and for an illness that arises 30 days after the start of the policy. There may be additional waiting periods for claims for items such as cruciate ligament conditions.
Yes, as long as the vet is licensed to practice in Australia.
Pets are covered from the age of 8 weeks. You can only apply to get cover for pets aged less than 9 years for accident and illness cover; however there is no age limit for accident cover on its own.

Important Note:
The answers above are to be used as a reference guide only and do not substitute or replace your insurance contract, the Product Disclosure Statement (PDS) or Certificate of Insurance.

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