Do You Need Pet Cover for Your Dog or Cat?


Your pet is a good friend whether it is a feline or canine. That is why you need to make sure that your pet is well covered in case of sickness or an emergency. Many people have regretted not buying pet cover for their dogs or cats, especially when the insurance could have saved a pet’s life.

Routine Care Benefits

For a low and affordable rate, you can buy pet insurance in Australia that will cover your pet for routine care or more extensive protection. For example, a premium insurer can provide you with a $50 yearly benefit from one of the following events or conditions:

  • Microchipping
  • Heartworm treatment
  • Alternative therapies
  • Teeth cleaning
  • Behavioural therapy
  • A prescription diet
  • Cremation or burial
  • Dew claw removal
  • Dog training

Benefits for Certain Tests

You can also receive benefits for health checks, vaccinations, or exams that involve heartworm testing, blood screens, or FeLv/Fiv urinalysis or testing. Flea, tick, and worm control is also covered in a routine plan.

If your dog is in good health, you may think about getting routine accident cover. Accident pet plans cover injuries suffered in car accidents or similar mishaps. Veterinarians often see dogs that have bones lodged in their throats or who have swallowed a foreign object. This type of plan typically features a yearly benefit limit of $8000. In all plans, 80% of the vet bill is covered, subject to benefit limits and the excess level that is chosen.

Lower Your Premiums

You can keep your premiums lower by choosing an excess in the amount of $100 or $200 per year. Including an excess amount reduces what you pay each month but still allows you to enjoy a sufficient level of cover. If you want to cover an illness or treat a disease such as cancer, you need to choose both accidental and illness cover. Both these covers, when chosen, are defined as comprehensive protection.

Comprehensive cover protects your dog in case of illness, gastrointestinal upset, or tick paralysis. If you want to fully cover your pet or buy accidental injury cover, illness protection, and routine care cover, you need to enrol in a major medical plan.

Comprehensive insurance protection covers consultations and visits and takes includes after-hours emergencies, specialist care, and lab or diagnostic testing. The same protection extends to hospitalisation, radiological testing, and receiving prescriptions. You can also buy pet travel insurance when you travel with your pet internationally. This insurance covers those locations where your pet does not need to be quarantined when it returns to Australia.

Do You Have More than One Pet?

Besides lowering your insurance cost with an excess amount, you can also see about obtaining a multiple-pet discount. You can save as much as 15% on your insurance plan. For example, you can cover up to four pets using this savings approach. Each pet is discounted in increments of 5%. Therefore, if you have two pets, you receive a 5% discount; if you add a pet, the discount climbs to 10%. Covering four or more pets allows you to save as much as 15%.