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Pet insurance features and optional benefits

What’s pet insurance?

If your pet becomes sick or gets an injury from a specified accidental injury, you want to know that you can give them the care they deserve. Vet bills can be very expensive, but with pet insurance through Choosi, you can get covered to claim up to 85% of eligible vet bills up to $20,000 per year.*

Features and optional benefits

  • Choose from policies that offer combined specified accidental injury and illness cover.
  • Claim up to 85% of eligible vet bills, up to a maximum of $20,000 per year.*
  • Extend your cover with optional routine care (available on certain policies only) as a contribution of up to $80 towards items such as vaccinations, desexing, and worming (an additional premium applies if you choose to add this to your policy).

Types of cover

Pet insurance policies through Choosi offer a combined specified accidental injury and illness cover only.

FeatureSpecified accidental injury and illness
Annual benefit limitUp to $20,000 (depending on the policy)*
Benefit percentage reimbursed for eligible vet expensesUp to 85% (depending on the policy)*
Covers specified accidental injuries
Covers certain illnesses
Minimum entry age eligibility8 weeks
Maximum entry age eligibilityYounger than 9 years or 16 years (depending on policy)
Waiting periods
  • Specified accidental injuries: 0 days
  • Illness: 30 days
  • Tick paralysis: 30 days
  • Cruciate ligament conditions: 6 months (may be waived on application)
  • Dental illness: 2 years (only available on certain policies)
Use any vet registered in Australia
Multi-pet discountAvailable for some policies for each additional pet insured

Included extras

With the policies Choosi can arrange directly, you can enjoy a range of extra benefits at no extra cost.

Emergency boarding

If you (the sole carer) are unexpectedly hospitalised, or need emergency accommodation due to family violence for a specified period and are unable to care for your pet, this cover can help with the cost of boarding at a registered kennel or cattery up to an agreed amount.

Essential euthanasia

If a vet deems euthanasia an essential and humane treatment for your pet as a result of a condition covered under your policy, the benefit percentage will be covered up to the applicable limit.

Paralysis ticks

The paralysis tick toxin released from a tick bite is very serious and can cause paralysis in pets that can be fatal if untreated.1 Expenses related to tick paralysis treatment will be covered up to the specified benefit percentage and limit.

Pet overseas travel

Cover eligible vet expenses incurred for the treatment of your pet while it’s in Norfolk Island or New Zealand with you in certain circumstances.

Optional extra

Routine care

With some policies, you can choose routine care as an optional extra (an additional premium applies). Including this in your policy can provide a contribution towards some routine health checks or procedures that are otherwise not covered, such as vaccinations, desexing, and worming. Be sure to check the relevant Policy Booklet and your Certificate of Insurance for specifics regarding routine care.

With policies Choosi can arrange directly, you can get cover for up to 85% of eligible vet bills up to $20,000 per year*, so you can have peace of mind knowing you can give your pet the treatment they need, when they need it.

* Exclusions, benefit limits, and sub-limits apply. An annual condition limit applies to some policies. 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.


  1. Ticks – Animal Welfare League NSW

The pet insurance information provided on this website is based only on the pet insurance policies that Choosi can arrange. Choosi doesn’t provide information or offer cover for all products available in the market and there may be aspects of some products that Choosi doesn’t compare. Information on this website doesn’t take into account your personal objectives, financial situation or needs. You should consider the relevant Policy Booklet for more information and to ensure the product suits your needs.

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