Insuring your dog

 
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Dry nose? Drooping tail? An owner knows when something's up with their dog. When your pet needs help from a vet, pet insurance can help cover a portion of the bills.

For dog-owners, having a dog can mean pricey trips to the vet. About 84% of dog-owning households see a vet at least once a year and spend on average $546 on veterinary services for dogs.1

Many vet visits are for vaccinations and check-ups, but around 24%2 of vet visits are for illness or injury, which can add up over the course of a year. Pet insurance allows you claim back of a portion of these vet bills and help take the financial sting out of caring for your dog.
 

 
Always ready for fun, pups don't share our concern for injury and illness
Always ready for fun, pups don't share our concern for injury and illness.

Vet bills are expensive

Veterinary services can creep into the tens of thousands for something life-threatening or ongoing. 

According to the 2018-2019 PetSure claim statistics (of the pet insurance brands that Choosi compares), the owner of a Staffordshire Bull Terrier suffering from a cruciate disease spent a staggering $65,442.91 in vet bills, while another claimed on a $14,271.26 vet bill when their Maltese Cross suffered from an ear infection. An owner of a German Shepherd who suffered a ligament injury made a $8,934.99 vet bill claim, a Jack Russell Terrier cost their owner $16,103.72 to treat a mast cell tumour, while a common tick paralysis treatment for a Border Collie cost their owner $3,776.76.


How can pet insurance benefit a dog owner?

The thought of your dog in pain is heartbreaking and explains why dog lovers are ready to pay thousands for treatments.

In the event of an accident or illness that’s covered, you could be eligible to:

  • claim up to 85% of eligible vet bills, up to a maximum of $20,000 per year;*
  • cover your dog from as young as 8 weeks; and
  • use your own vet as long as they’re licensed to practice in Australia.

Types of pet insurance

Features

Accidental injury and illness

Description Cover for accidental injuries in certain circumstances, and specified illnesses (except for pre-existing conditions)*
Entry age eligibility Minimum: 8 weeks old
Maximum: Younger than 9 or 16 years (depending on cover level)
Annual benefit limit Up to $20,000*
Maximum claim cover Up to 85%*
Waiting periods?
  • 30 days for illnesses (including tick paralysis)
  • 6 months on cruciate ligament injuries (may be waived on application at insurer's discretion)
  • 2 years for dental illness (available on certain policies only)
Covers accidental injury? Yes, in certain circumstances
Covers illnesses? Yes, except for some specified illnesses
Choice of your own vet? Yes, as long as your preferred vet is licensed to practice in Australia


* Pre-existing conditions and some illnesses are excluded. Benefit limits, sub-limits and annual condition limits may 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.


Choose the level of cover that suits you. Some benefits may be included, and some may be an optional extra you can add to your policy in order to give you more cover or allow you to claim for routine check-ups. For dogs, these generally include a routine care benefit (for an additional premium) which can help cover some routine health checks or procedures that are otherwise not covered, such as vaccinations, de-sexing and worming. Be sure to check the relevant Policy Booklet and your Certificate of Insurance for specifics regarding optional routine care. Other benefits generally offered at no extra cost are:

  • Emergency boarding

    Cover to help with the cost of boarding at a registered kennel 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 are unable to care for your dog.

  • Essential euthanasia

    If a vet deems euthanasia an essential and humane treatment for your dog 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.3 The benefit percentage will be covered up to the specified sub-limit.


An unwell dog may require vet bills that soar into the thousands. If you’re considering pet insurance for your dog, it’s important to know that the premium for your policy will depend on your dog’s breed, age, where you live, and the level of cover you select, among other factors. You’ll be able to choose the level of cover you which can help ensure your policy is affordable.


Top 10 most common dog breeds for claims (Petsure Claim Statistics 2018-2019)

Breed

No of claims

1 Maltese Cross 19,214
2 Cavoodle 13,770
3 Labrador 10,391
4 Staffordshire Bull Terrier 10,390
5 Golden Retriever 8,700
6 German Shepherd 8,271
7 Cavalier King Charles Spaniel 7,992
8 French Bulldog 7,309
9 Kelpie Cross 5,960
10 Border Collie 5,684

Top 10 most expensive claims by dog breed (Petsure Claim Statistics 2018-2019)

Dog breed

1 Maltese Cross
2 Staffordshire Bull Terrier
4 Cavoodle
4 Labrador
5 German Shepherd
6 Golden Retriever
7 French Bulldog
8 Cavalier King Charles Spaniel
9 Kelpie Cross
10 Border Collie


With so many products on offer, it can be overwhelming to find the best pet insurance for your cat or dog. Luckily, we do the hard work for you. Choosi’s team of Choosers can be with you every step of the way, from finding the right cover to filling in the paperwork. Request a quote or contact our team today.


* 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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