Comparing pet insurance

Pet insurance is now big business, but which policy should you choose?

Injured dog on vet's table

With one in three pets requiring emergency treatment each year, pet insurance is now big business, but which policy should you choose?

Q. Craig
Are you able to supply details of recommended pet insurance for seniors/pensioners?

A. As we’re a nation of pet lovers, it’s hardly surprising that there are so many options when it comes to purchasing pet insurance. To get the best deal, you may wish to approach your current home, private health or car insurer and ask if it provides pet insurance at a discounted rate for current customers.

It's  worth noting:

  • The older your pet, the more you'll pay and you may not be able to get any insurance if your pet is over nine years old
  • Pre-exisiting conditions are not covered and if your dog comes from a rescue centre, you may have difficulty proving any conditions are not pre-existing
  • Bilateral conditions, i.e. where there are two body parts, such as eyes and ears, may not be covered if your pet has already been treated for a condition on one of these parts
  • Conditions for which there are vaccines may not be covered, regardless of whether your dog has been vaccinated or not

To find out which policy offers the best cover, take some time to speak to your pet’s vet about the companies it deals with, what your pet should be covered for and what you can maybe do without.

If you’re an animal lover to the extent that you wish to help other, less fortunate animals, then the RSPCA will donate a portion of your policy to helping others. 

There are comparison websites which can help you choose a policy based on price or cover. To find out more visit:


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    East of Toowoomba
    15th Jan 2016
    Cant afford to insure us so no way would I insure the pet hound dog. He has to take his chances like the rest of us. We all eat well and exercise daily, the dog is vaccinated annually and we use non toxic pest and weed control when ever we can.
    15th Jan 2016
    Its a wonderful idea, as I have spent thousands over the years on my pets, however they never point out in the adverts on TV, they will only insure young pets, that is as new clients.
    I have a nine year old cat (the first I have insured) she is indoors only, so much less likely to have a problem, a couple of times a year, her premium just goes up, I think they are hoping I will decide its all too much.
    I looked around for a long time, and chose the one I could afford at the time, however I am very close now to calling it quits!!
    15th Jan 2016
    I have had Pet Insurance and I am a pensioner. Up until my dog reached a certain age all was covered except vaccinations. When he reached a certain age the insurance went up and a lot of claims were not included anymore. I think it is just a way of getting money out of people because your pet certainly doesn't bennifit from the pet insurance. Plus I had to pay up front before I could claim so I still had to find the money and could only get 80% back. This was the only claim I could make for my dog. After that claim, everything went up and everything changed.
    15th Jan 2016
    Agree - my elderly pensioner neighbours have a small dog, but their pet insurance is now DEARER than their house insurance. Yet house insurance covers up to $300,000. Pet insurance - $12,000. Feel it is nothing more than playing on people's emotions as pet owners are very attached to their companions.
    15th Jan 2016
    Well those 3 Comments Bit and Scratched !! :-)
    More Please )
    Old Dog
    16th Jan 2016
    My experience with pet insurance (along with life insurance) leads me to believe that it is a total waste of money. The insurance company which ever one it is, will do their best to say that the condition was a pre-existing one and therefore was not covered. If you can be careful enough you would be better off banking the amount of premium every time a "premium" fell due. Vet.fees are expensive because we don't have Medicare to back them up. Recent surgery on one of our dogs cost us nearly $2000. Expensive, but money well spent.

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