Your beloved family dog deserves the best pet insurance out there. However, it can be challenging to navigate the various options available and make the right choice. Nonetheless, this task doesn’t need to be daunting. We have created a list of the top four best dog insurance plans to help make your decision a little easier. Continue reading to find out more.
How Can You Find the Best Dog Insurance Policy in Australia?
We have highlighted a few considerations you should make to help you find the best dog insurance cover in Australia that fits your specific needs. Here’s what you should consider before picking a plan:
Identify Your Cover Requirements
First, you should look at what plan you want for your dog. This could either be accident and illness cover, basic cover, or a comprehensive policy.
Read Online Reviews
Another feature you should look at is online reviews. These customer reviews help you understand the type of experience you can expect to receive from these insurers. Hence, you should avoid insurance companies that have many bad reviews.
Receive Various Quotes
You shouldn’t sign up for the first quote that you receive. Alternatively, you should obtain multiple quotations covering a range of policies to gain an idea of how much you can expect to pay.
Understand the Policy Conditions
Reading the product disclosure statements might not be the most exciting way to spend your time, but it’s certainly important. Doing this helps you gain a more accurate assessment of how much each policy is truly worth. You should pay close attention to the exclusions, limits, and benefits offered in each policy.
Compare the Price to the Cover
It’s highly recommended to look for a policy that offers a good balance between the level of cover you’re gaining and an affordable price. Gaining this balance involves taking several factors into account to ensure you choose the right policy.
Choose a Reputable Company
You must select an insurance provider that has an upstanding and solid reputation. To do this, you should consider the range of policies this company provides its clients with, any rewards it has received, the insurer’s reputation within the industry, and who the policies are underwritten by. It’s always an excellent idea to compare the different providers’ quality of customer service.
What Is the Best Pet Insurance in Australia?
The best insurance is one that aligns with your circumstances and needs. Hence, what works for others might not be the best option for you. We have outlined the best choices, as well as what to look for in a policy to ensure you pick one that provides you with the right coverage for your needs. Firstly, let’s start by taking a look at the best dog insurance plans in Australia:
#1 – Woolworths Pet Insurance
This comprehensive policy is equipped with an annual limit of $24,000, which is much higher than most competitors. The average is generally around $15,000.
One of the most well-liked features of this Woolworths Pet Insurance policy is that it gives you chances to save. An example would be that Woolies makes a great effort to beat any lower comparable quote you might find.
Additionally, you can receive 10 percent off your Woolies shop every month. Your pooch can also receive routine care when selecting a comprehensive plan. This plan pays for your dog to have regular health checks, dental treatment, and necessary vaccinations.
#2 – Knose Dog Cover
Knose Dog Cover is one of the best choices out there with an annual limit of up to $25,000. From our extensive research of dog insurance covers in Australia, we found that Knose Dog Cover is the highest benefit from 18 pet insurers on Finder.
Moreover, you gain peace of mind knowing that your dog is fully insured at $25,000 in the event of severe illness or injury. You can also receive up to 10 percent off your first year’s premiums when signing up for Knose, which is an excellent saving.
Finally, Knose is one of the limited few dog insurers that don’t have sub-limits when it comes to ailments, like paralysis tick. Many other dog insurance policies restrict how much you can claim for a specific treatment. This can leave you out of pocket. Luckily, that isn’t the case when choosing Knose.
#3 – Petsy Dog Cover
If you’re searching for a dog insurance policy in Australia that offers 100 percent back on your vet bills, Petsy is the right choice for you. Not only do you gain this money back on vet bills, but you also receive an annual benefit limit of up to $25,000.
Additionally, you don’t need to worry about paying an excess when you make a claim, which is a rarity when it comes to pet insurance. Nonetheless, it’s crucial to keep in mind that your dog needs to be over eight weeks old and younger than eight years old to be covered by Petsy Dog Cover.
#4 – PIA Major Medical Cover
Are you looking for a dog insurance policy specifically for basic procedures and check-ups? If so, PIA Major Medical Cover is the right choice for you. It’s one of the few policies that offer routine care.
Moreover, this pet insurance plan also comes with $50 annual benefits for specific treatments like teeth cleaning, health checks, microchipping, and desexing. If that’s not enough, you can also choose a plan with a $0 excess on any claims.
Finally, PIA also provides clients with two ways to save on their pet policy. When choosing PIA for your dog insurance, you gain the first two months of insurance free while you can also knock five percent off with every pet you add to your insurance. However, this is limited to 15 percent (or three pets).
Our Final Thoughts
Looking after your dog and offering the right insurance for its wellbeing can be challenging. Your dog loves you and gives you the best, so it only makes sense that you want to do the same. Finding the right insurance can do this.
Nonetheless, you must find the most suitable option that aligns with your needs. An insurance policy isn’t one-size-fits-all. Hence, understanding your needs and looking for policies that fit with these requirements can ensure you make the best decision for your pooch.