Compare Pet Insurance, Find the Best Pet Insurance & Read Reviews
Furbaby pet insurance is Australia's trusted guide for navigating the world of Pet Insurance in Australia. Our mission is to empower Australian pet owners with the knowledge they need to find not just any insurance, but the Best Pet Insurance for their furry family members. By meticulously comparing policies and reviewing pet insurance options available across Australia, we bring you comprehensive insights and the most competitive pet insurance deals.
Our Pet Insurance Reviews and provider pages take a out a lot of the hard work, so you can compare pet insurance in Australia much easier and faster. Plus We even have a quote service which gets a custom quotes for you and your pet.
Pet Insurance Providers in Australia
Pet Insurance Quote Services
We help you selecting best pet insurance as per your need by comparing services. We will do the research for you and get the quote from providers for you.
| Five Quotes | Ten Quotes | 15 Quotes | |
|---|---|---|---|
| Number of Quotes | 5 | 10 | 15 |
| Customised to your pets | Yes | Yes | Yes |
| Up to 30 min call | No | No | Yes |
Benefits of Pet Insurance in Australia
Money savings
Pet insurance serves as a financial safety net, enabling pet owners to get money back on unexpected vet bills. Pet Insurance can reimburse you up to 100% back. Not having Pet Insurance means you may not have access to the care or that you will pay 100% of the vet bill 100% of the time.
Quality care
Pet insurance helps you get access to the necessary veterinary care by alleviating financial concerns. With coverage in place, pet owners can be more likely to seek prompt medical attention for their pets, ensuring that they receive the care they need without delay.
Peace of mind
Pet insurance offers a valuable sense of peace of mind by providing a financial safety net for unexpected veterinary expenses. Knowing that you have coverage in place may help you to make decisions based on your pet's health rather than financial constraints.
Customisable coverage
Pet insurance becomes highly customisable when pet owners understand what they can adjust. There are various policy levers available, such as Annual limits, different excesses, and reimbursement percentages. You can choose the Pet insurance plan that suits you financial needs.
Frequently asked questions about Pet Insurance
Still have a few things you'd like to clear up about pet insurance? We’re here to help!
Why compare pet insurance options?
What to Look for in a Pet Insurance Policy?
With so many pet insurance providers out there, it can be challenging to know which one is right for you and your pet. That's why it's essential to compare your options and choose the provider that offers the best coverage to suit your needs.
Coverage for accidents
Prescription Medications & Operations
Coverage for illnesses
Chronic & hereditary conditions
Pet Insurance lets you get money back on vet bills
You can't watch your pet 24/7, so Pet Insurance can help you with unexpected bills if something happens that you can't protect them from.
There is one thing that we, pet lovers, always had in common – to see our pets grow healthy and happy. They are part of our family, so we have to give them the best possible care they could have.
But sometimes, unexpected things happen, because of course, they are pets. They will roam around, they will play, most of the time rough play, and they will tear and eat whatever is in their sight. Because they are family, once these circumstances arise, we have to give them the best possible vet care.
Imagine your dog got into an accident, you panicked, and you hurriedly ask your vet to do whatever it takes to save your dear friend. Though you trust your vet with a dog’s life, and you were thankful that they nursed your dog back to health, but you had a whopping bill of almost $3,000 or more. Of course, you understood how that bill came about, but you keep thinking that you could’ve avoided this had you only researched for pet insurances.
After that day, you would immediately research and get your dog pet insurance. It could be one of the best financial decisions you could’ve made. We should understand that our furry friends are playful and sometimes clumsy. They feel like they are invincible and will do everything they want out of curiosity. Plus, you would always worry about your pets, especially when you are travelling since some of them do not like going on long distances. It is a good thing that some pet insurance have overseas travel insurance.
Pet insurance coverage types
With so many pet insurance providers out there, it can be challenging to know which one is right for you and your pet. That's why it's essential to compare your options and choose the provider that offers the best coverage at the best price.
1
Accidental only
Pet insurance
This is the cheapest policy and includes treatment for specific injuries like a broken leg or accidents with cars. With Accidental Pet Insurance it's usually very limited but can suit certain budgets.
2
Accident, illness and more comprehensive Pet Insurance
More comprehensive Pet Insurance policies will cover accidents and illnesses. These policies can help you get back money on vet bills for things such as if you pet eats something is shouldn't or more chronic illnesses like diabetes and cancer.
3
Routine Care Pet Insurance and Wellness Plans
Pet Insurance for Routine care cover usually is not sole by itself. It's important to know about the limits with routine care cover and also that there are other options out there such a Pet Wellness plans which are not pet insurance but plans provided by a vet.
Pet Insurance Policy Terminology
Annual Benefit Limit:
The Annual Benefit is the maximum amount you can get back for all claims in a year. The amount paid to you is known as a benefit or reimbursement. Pet Insurance Policies in Australia are usually one year or 12 months. They will reset the Annual
Sub-limit/s:
A sub-limit acts as the maximum amount you can claim on an insurance policy per year to treat specific conditions. Sub-limits are typically imposed on common conditions or injuries and the amounts can differ between insurers. Sub Limit are different to your annual limit. You may have a policy with a $10,000 annual limit but if there is a Sublimit on a condition that is $1,000, then the most you can get back on that condition is $1,000.
While it may seem like a minor technicality in the PDS, sub-limits can significantly impact the amount to can get back. Be aware and be comfortable with sub limits.
Reimbursement Rate or Benefit Percentage
This is the percentage of how much your insurance company can reimburse your treatment costs. It usually ranges from 60% – 80%.
Excess or Copayment:
The pet insurance excess is the initial amount you personally pay before your insurance coverage kicks in for vet bills. It's essentially a shared cost arrangement, unless you opt for a $0 excess, between you and the insurance company. This amount must be met or paid in order to make a claim and start receiving a benefit.
In Australia, there are usually three types of pet insurance excesses: per claim, per condition, or per year (also known as annual excess).
Some pet insurance providers offer excesses ranging from $0 to over $1000. Generally, the higher the excess, the lower your premium, and conversely, the lower the excess, the more expensive the pet insurance premium.
Age limits and Entry Age limits:
An Age limit will be the age in which a Pet Insurance Provider no longer covers a pet. The entry age is usually the age that the pet can start being covered. So for example if a Pet Insurance Provider has an entry age limit of 12 weeks to 9 years then you can only purchase pet insurance after your pet turns 12 weeks and before they turn 9 years old.
Some providers will have coverage for life as long as you start before the entry age limit. Some will end coverage if they don't offer coverage for life.
Waiting period/s & exclusion Periods
This is the number of days you have to wait from the time they approve your policy until you can make claims for certain items. For example, your pet insurance policy has a 30 day waiting period on illnesses. That means that you need to wait 30 days before you could submit a claim for illnesses. It's important to know how waiting periods and exclusion periods work in pet insurance because more often than not if something happens to your pet during a waiting period it will be considered a pre-existing condition. Unlike human health insurance when you can sit a waiting period for something that has happened and then make a claim.
Pre-existing conditions:
These are conditions that are already shown or diagnosed before you got coverage. If your pet had an illness before you had your pet insurance, any further treatment for that illness will not be covered by your insurance company.
It’s better to get pet insurance while your pet is still young and healthy to keep any exclusions of your policy short.
Swapping Pet Insurance providers can be hard, unlike in human health insurance swapping can be difficult as anything thing covered by another insurance provider will likely be a pre-existing condition with a new provider.
Pet insurance Basics
Before choosing a pet insurance policy, it's important to understand the different types of policies available in the market.
1
Do you need pet Insurance?
It's up to you whether you need pet insurance, but if you'd appreciate financial assistance with vet bills – which can be quite costly – then pet insurance may be worth considering.
2
Understand the important stuff
Understanding the terms of pet insurance, including coverage details, eligibility, and claim procedures, is crucial for both pet owners and your furry companion. If you don't know what you are buying it could not end well.
3
Find the right Pet Insurance Policy
Selecting the proper pet insurance policy becomes crucial once you have a clear understanding of how it operates. With numerous types and varying levels of coverage available, it's essential to consider the quality of the service provided by looking at reviews.
4
Don't rely on pet insurance
Depending on pet insurance is not good enough; it's essential to properly care for your pet, ensuring their safety and keeping up with vaccinations and annual checkups. While pet insurance can be helpful for big vet bills, preventing the vet expenses is even better.
The comprehensive guide
How to choose the best pet insurance?
When choosing pet insurance, it's important to consider various factors such as the coverage level, breed, age, and location of your pet. Adding spaying or neutering to your policy can increase the cost. It's crucial to be confident and satisfied with the chosen insurance company, as it affects your pet's health and your investment.
Consider your pet's age, breed, and health history when selecting a policy. Certain breeds are more prone to specific health conditions, and older pets are more likely to develop health issues. Pre-existing conditions may not be covered, but some policies offer coverage after a waiting period.
Finally, compare the coverage based on your pet's health condition and cost of different policies, looking for comprehensive coverage that includes accidents, illnesses, and hereditary conditions. So we've put together this comprehensive guide to help you choose the best pet insurance for your furry friend.
Read the policy documents carefully
Understand policy exclusions and limitations. Check for whats is covered and what is not. Consider the insurance provider's reputation for paying claims and customer service. Read reviews from other pet owners who used the same policy.
The insurance company's reputation & customer service
When choosing pet insurance, consider the reputation and customer service of the company. Is their customer service responsive and helpful? You don't want an insurance company that is difficult to reach or unresponsive to your needs. We have loads of Pet Insurance Reviews on our site.
Review the policy documents carefully
Understand coverage, limitations, deductibles, and co-payments. Check for exclusions like pre-existing, hereditary, or breed-specific conditions. Note age restrictions and claim limits. Ask insurance company for clarification.
Consider add-on coverage options
Some pet insurance policies offer add-on coverage options for extra protection. These may include dental care, alternative therapies, or behavioral therapies. Consider your pet's needs and the potential benefits. Remember, these options may have additional costs.
Keep your pet insurance policy up to date
Keep pet insurance up to date. Pay premiums on time and notify of health or circumstance changes. Inform about new conditions promptly. Be aware of waiting periods or exclusions for new conditions. Stay proactive with pet's health changes.
Consider other ways to keep Your pet healthy
Pet insurance is important, but also prioritize other steps for pet health. Provide balanced diet, exercise, and regular vet check-ups. Proactive approach prevents illnesses and costly bills. Insurance helps with unexpected issues, but prevention is key.
