Pet insurance features & optional benefits


Features and optional benefits

  • Choose from policies that offer combined 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) to claim an annual benefit amount of $80 towards items such as vaccinations, desexing, and worming (an additional premium applies if you choose to add this to your policy).
Nurturing and protecting your family is a key priority for new parents; life insurance is an important consideration

What’s pet insurance?

If your pet becomes sick or gets an injury from an accident, you want to know that you can afford to give them the very best care. 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.*

Types of cover

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

Feature Accidental injury and illness
Annual benefit limit

Up to $20,000 (depending on the policy)*

Benefit percentage reimbursed for eligible vet expenses

Up to 85% (depending on the policy)*

Covers accidental injuries
Covers certain illnesses
Minimum entry age eligibility

8 weeks

Maximum entry age eligibility

Younger than 9 years or 16 years (depending on policy)

Waiting periods
  • Defined 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 licensed in Australia
Multi-pet discount

Available 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

    Cover which in certain circumstances, helps with the cost of boarding at a registered kennel or cattery up to an agreed amount, if you, the sole carer, are unexpectedly hospitalised, or need emergency accommodation due to family violence, for a specified period and unable to care for your pet.

  • 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 your chosen benefit 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 The benefit percentage will be covered up to the specified sub-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 cover 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.

Reduce the risk of unaffordable vet bills for emergency treatment or surgery with pet insurance. 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 could afford to give your pet the treatment they need, when they need it.

* 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.


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 to 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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