''Pet Insurance in Australia'': Where to get the best cat pet insurance plan

Getting a pet insurance In Australia is becoming increasingly popular. Nearly two-thirds of households now own pets. They are considered an important part of the family for many people.

It was not necessary to get a pet insurance cover before because the likelihood of your pet having any kind of illness or even getting hit by a car was very rare. Now the rate of growth in Australia is booming and more people are moving to the urban areas where there is now a high volume of traffic.

Why you need a pet insurance

Pet insurance is a great way to take care of the pets you love (dogs, cat and other exotic pets you may own). Like humans, accidents and illnesses are unexpected and can happen at any time and studies have shown that two out of three pets will need veterinary attention every year.

The probability of visiting a vet at least once in your pet's life time is high, (consider fleas infestation, arthritis, heart worm caused by mosquitoes, cat fights, motor accidents, poisoning, ear infections, renal failure or even cancer) and they get even worse when they age.

A vet treatment for your pet's care can run into thousands of dollars. Having a pet insurance is a cost effective measure if you cannot afford treatment in the event of an accident. If you dont have one, you will have two options to either pay the cost to treat this special member of family or ''let it down''.

Pet insurance cover

While a pet insurance can save you a lot of money on vet bills, you need to make sure that you get the right cover for your pet. Depending on your finances and the cover you want, you can get a pet insurance plan of between $20 and $50 on a monthly basis.

The are three main types of cover which include Accidents, Illness, Comprehensive (covers most conditions) ,which can include extra benefits and rebates for owners who regularly vaccinate, flea and deworm their pets

Many companies offer a special quote tool on their sites so you can compare and review premium prices and coverage. There are six main pet insurance provider in Australia and we will review each of them and what they offer: Petplan, the RSPCA, AFS-PedMed,Vets Own, Petsecure and PetInsuranceAustralia.


Petplan have different insurance cover for your dog and cat which are straightforward. They cover ongoing illnesses and injuries for life, as long as you renew your policy each year 

  • Budget Plan - this will give you $9,000 cover per year for accidents and illness for your dog it also has cover for third party liability while you get $8,000 cover for your vet bills each year on your cat.
  • Standard plan- this will give you $9000 for your cat and $14,000 for your dog to cover for your vet bills. In addition to that cover you have access to death cover, cover for the loss of your pet (either stolen or stray)
  • Supreme plan- You get up to $12000 for your cat and $18,000 as cover for vet bills per annum

For horses - Cover for Death or humane destruction, theft or straying, $10,000 Vet fee cover for injury or illness, Saddlery & Tack, Loss of show entries if your horse dies, optional covers for disposal after death, Loss of Use and horse floats or horse drawn vehicles


They cover veterinary treatments and surgeries for accidental injury and illnesses ranging from minor problems such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer.They also provide cover towards preventative care such as vaccinations, flea, tick and worm control and teeth cleaning when you choose Premium cover.

They have a comprehensive cover that suits your need and budget. You get immediate access to Accidental Injury cover from midnight on the day you take the cover. You also get a Life Time Cover which may be renewed for life with no reduction of benefits or exculsions added and best of all you get to choose any licensed veterinarian around the country.


Provides cover for Hereditary and Congenital defects which most others companies do not. You get a lifetime cover for your pet once insured and may be kept for life. There is a choice of either 80% or 70% coverage of the vet bill for Accidental Injuries and Unexpected Illnesses (Includes hospitalisation, x-rays, drugs, etc.).

There are 3 plans available:

Vets Own

Vets Own Pet Health Insurance will pay up to 80% (depending on the level of cover selected) of treatment costs for illness or accident subject to policy limits. There is a rebate of up to 80% of eligible costs for Accidental Injuries and Unexpected Illnesses (includes hospitalisation, x-rays, drugs etc) up to annual limits and sub-limits depending on the policy chosen. Your puppy or kitten can be enrolled from 8 weeks of age


You can create the cover that works best for you with a choice of Accident Cover or Accident and Illness Cover. The total benefit amount available each year is $7,000 for Accident Cover and $11,000 for Accident and Illness Cover and you get to use your annual limit as needed. Here your Cats are covered for less

Pet Insurance Australia(PIA)

Provides cover for veterinary costs as a result of unexpected illnesses or accidental injury but can assist with everyday routine care such as annual vaccinations and de-worming. The routine care cover pays 100% of the cost up to the specified limit for each benefit, and there is no excess applicable to this cover

Comments 4 comments

Amy Becherer profile image

Amy Becherer 6 years ago from St. Louis, MO

Thank you for covering a subject that more and more pet owners need to consider. The last time I took MacGregor, the visit cost $165 and that was after I told the vet I was laid off. It costs more "out-of-pocket" for Mac's visits than mine. I can't imagine having to either forego veterinary care altogether or the dismal options for those that can't afford treatment. Well done and thank you.

Real Insurance 5 years ago

I like that you've described the different plans that are available to people who are looking for pet insurance. It can be really tough to find the right pet health insurance. What most people don't realize is that it's worth it to take the time to select the plan and policy that are specifically correct for both the family's financial needs and the pet's medical needs. Great job on this article!

Health insurance  5 years ago

Pet insurance may be ignored by some, if not most, pet owners. This is quite understandable I think. However, what happens when you suddenly need to take your pet to the vet for some unexpected health issue? You'd rather think about your pet's safety instead of how much the medical procedure is going to cost, right? Hence, I would go with pet insurance if I had a pet of my own. Wouldn't want to risk my pet's safety, would I?

Georgia Picton 2 years ago

which can include extra benefits and rebates for owners who regularly vaccinate, flea and deworm their pets - http://www.petcover.com.au/

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