How do we compare?
It can take a while to get your head around the different options insurers offer. Here’s a quick guide. The table below helps you see the differences betwen differences between Australia’s most popular offerings.
Type of cover
The product names and details may change, but basically you choose:
1. Accident only – the affordable option to cope with emergencies. But you’re not covered for illnesses, for example tick paralysis.
2. Comprehensive – covers illnesses as well and carries higher annual benefit limits.
3. Routine care – costs more, but you’ll also get help with costs such as vaccinations and micro chipping.
Just like humans, older pets who haven’t been insured previously may be harder to insure.
For most providers, there’s no age limit on taking out accident cover. For comprehensive and routine, so long as your pet’s cover started before they turned 9, and hasn’t lapsed since, your cover can continue. For PetPlan, on the other hand, an upper age limit of 4 or 7 years may apply depending on the breed and product.
|Star rating productreview.|
|Provider||Annual benefit limits||Vet bill coverage limit||Excess options||Discounts||Tick paraysis cover||Emergency boarding||Other benefits|
|4||Bow Wow Meow||$8,000 to $12,000||80%||Nil – $500||10% for multiple pets||Free ID tag for life|
|1.5||HCF||$8,000 to $12,000||80%||Nil – $200||10% for members|
|1.8||Medibank||$8,000 to $15,000||80%||Nil – $200||10% for members|
|2.7||Pet Insurance Australia||$8,000 to $15,000||80%||Nil – $200||Incremental 5% for each extra pet|
|1.8||PetPlan||$7,000 to $20,000||80% or 100%||$125 – $200(plus 20% if over 9 years for standard breeds)|
|2.2||Petsure – Vet’s Own||$8,000 to $14,500||80%||NIL||10% for multiple pets. No claim bonus||Member privileges program|
|1.5||RSPCA||$7,000 to $11,000||70% or 80%||NIL||Multi-pet discount||Premiums help support the RSPCA|
Note: This guide does not represent all pet insurance brands available in the Australian market. Current as at 01/11/15.