Wednesday, June 15, 2022

What Does Pet Insurance Cover Australia

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What Doesnt Pet Insurance Cover*

Is Pet Insurance worth it? | Everything you need to know
  • It varies between policies and provider, but here are some of the more common pet insurance exclusions:
  • Pre-existing conditions: So, conditions that your pet showed symptoms of or was diagnosed with prior to you getting insurance.
  • Bilateral conditions: This refers to pre-existing conditions that impact a body part which has two sides, for example, the eyes or ears .
  • Elective treatments: Such as de-sexing or orthodonticsTreatment for a disease with a known vaccine
  • Treatment for an illness that has occurred during the mandatory waiting period
  • Vaccinations preventative treatments: Unless your policy includes routine cover, then things like vaccinations or flea and tick treatments may not be covered
  • Conditions that stem from a behavioural issue
  • Conditions that stem from breeding or pregnancy
  • Grooming and cosmetic surgery

Why Choose Healthy Paws

  • One Simple Plan. We offer one easy-to-understand pet health insurance plan that covers new accidents and illnesses including injuries, cancer, genetic conditions, alternative and emergency care.
  • No Caps on Claim Payouts.Unlike some pet insurance plans, the Healthy Paws plan has no maximum limits on payouts no per incident, annual or lifetime caps.
  • Committed to Our Customers.Our commitment to our customers is to provide unparalleled service and support, and access to a great pet insurance plan. Our customers think highly of us and have given Healthy Paws the highest rating at Consumers Advocate, Canine Journal, and many more review sites.
  • Most Claims are Processed Within 2 Days.Our team of pet passionate, claims adjusters work tirelessly to process most claims within two business days. Plus, submit your claims in just seconds by simply uploading a photo of the vet bill through our mobile app or online. It’s that easy!
  • Helping Homeless Pets.Healthy Paws is a mission-driven company. Through our Foundation, we help homeless pets receive the medical care they need to get healthy and get adopted.

Best For Older Dogs: Hartville

No matter how old your pet is, Hartville will let them sign up for a policy. Not only can senior dogs get accident-only coverage, they can still get illness and accident coverage too.

  • Illness, accident, and wellness coverage for all ages

  • One-month trial period

  • Multiple pet discount

  • Long waiting period for injuries

Hartville pet insurance covers all dogs and cats, regardless of their age. Policies are underwritten by Crum & Forster Insurance, which is the same insurer that provides coverage for the ASPCA.

There are two policies available from Hartville. The Complete Coverage policy includes coverage for accidents and illnesses, including conditions like:

  • Hereditary conditions
  • Diabetes
  • Eye disorders

As an alternative, pet owners can buy an Accident-Only Coverage plan that exclusively pays for accident-related injuries and treatment, including:

  • Exam fees
  • Hospitalization
  • Swallowed objects

In addition, Hartville sells a Preventive Care Coverage rider which pays for the cost of routine wellness visits, vaccines, and dental cleanings. You must wait 14 days before you can use your plan for accidents and illnesses.

Pet insurance through Harville starts at $138 per year, but you can easily get a quote online for your pets age, breed, and the amount of coverage you want. You can select a deductible between $100 and $500, with the option for unlimited annual coverage limits . Pet owners can save 10% on their premium for each additional pet they insure.

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When Might I Need Third Party Liability Insurance For My Dog

A common misconception is that third-party liability cover is only big or aggressive dogs, however, there are a lot more scenarios where third-party cover is needed, even for small dogs:

  • A smaller dog is harder to see and could cause someone to trip and fall on the street.
  • A larger even very friendly dog might get excited and run into someone, causing them to fall and hurt themselves
  • They might knock over an object, such as a phone, accidentally damaging it.
  • Your cat might get into a fight with a neighbourhood cat, this can sometimes lead to infection and very costly vet bills.

For any of these, a third party could take legal action against you. A court might decide you must pay them compensation or cover replacement, medical or legal costs.

Pet Insurance Can Be Expensive And Confusing

What does pet insurance cover?

Owning a pet comes with many financial responsibilities. On average, annual vet expenses alone are estimated to cost close to $400 for dogs and around $270 for cats and that’s before you factor in medications, surgery and emergency treatment.

With all these potential bills on your pet ownership horizon, pet insurance may seem like a wise choice.But with many providers slugging you with premiums that can cost anywhere from $180 up to $4500 per year, it can get expensive.

And not to mention confusing. There are lots of tricky exclusions and variations between policies that require you to really read the fine print to avoid your claim being rejected.

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Best For Chronic Conditions: 24petwatch

  • Starting price: From $340 per year
  • Deductible: $100 to $1,000

If your pet battles a chronic condition, 24PetWatchs $20,000 maximum annual limit will be more than sufficient to cover treatment. And, most pre-existing conditions are no longer excluded from coverage after 24 months without symptoms.

  • Pre-existing conditions reconsidered after 24 months symptom-free

  • Coverage includes trip cancellation and boarding

  • Visit any licensed veterinarian

  • Veterinary exam or medical records required

  • Age limits for dogs and cats

  • Plans difficult to understand

24PetWatch offers four pet insurance policies for cats and dogs. The only difference between these policies is the annual limit available. Heres how much coverage is offered with each plan:

  • The Extra Plan: $3,000 in annual coverage
  • The Classic Plan: $5,000 in annual coverage
  • The Superior Plan: $10,000 in annual coverage
  • The Champion Plan: $20,000 in annual coverage

Every plan from 24PetWatch covers accidents, illnesses, and related treatments, such as:

  • Exam fees
  • Medications
  • Alternative treatments

Plus, 24PetWatch will pay for additional costs up to $500, without requiring a deductible or coinsurance. These extra coverages include:

  • Boarding kennel fees
  • Additional living expenses
  • Lost pet recovery costs
  • Deductibles: $100 to $1,000
  • Annual limits: $5,000 to $20,000
  • Copays: 20%
  • Waiting period: Two days for accidents, 14 days for illnesses
  • Network size: Unlimited
  • Swallowed objects
  • Sprains
  • Broken bones

Does Pet Insurance Cover That 10 Things You May Not Know About Pet Cover

Pet insurance can be a great way to avoid paying expensive vet bills. That said, as with all forms of insurance, itâs not cut and dried. What exactly is covered with cat and dog insurance will vary depending on a number of factors, including the insurance company and individual policy.

To help dispel some of this confusion, weâve come up with a list of frequently asked questions about pet insurance. We did our own research and spoke to a few experts to gain some insights. Hereâs what we found out from spokesperson for Pet Insurance Australia Nadia Crighton and chief executive and co-founder of Knose, Tiaan Dreyer.

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What Does Petplan Insurance Cover

Petplan covers the treatment costs for veterinary fees attributed to accidents, injuries or illnesses which may happen to your pet, provided the condition did not occur prior to cover. After the cover has commenced, cover for injuries and accidents starts immediately on sign up illness cover begins after the 21 day waiting period.

Best Pet Insurance Companies Of 2021

Get protection from the costs of unexpected vet bills – RSPCA Pet Insurance TVC
  • Starting price: $99 per year
  • Deductible: $0

While Pet Assure doesnt fall under the standard pet insurance umbrella, its low cost and flexibility make it our top pick for owners of all types of pets.

  • Covers all types of pets

  • No annual limits or deductibles

  • Not subject to waiting periods

  • Pays for pre-existing conditions

  • Limited to in-network veterinarians

  • Covers only 25% of costs

  • Prescriptions not covered

Pet Assure offers plans for a single cat, a single dog, a family plan for up to four animals of any size, and an unlimited plan for all pets in your household. Best of all, theres no waiting period before you can use your coverage. All of Pet Assures plans come with discounted veterinary services, including treatments related to:

  • Accidents
  • Pre-existing conditions

Pet Assure insurance is pretty affordable, plus there is no deductible. You can save some money on your policy if you choose the annual billing option. These are the rates for each insurance plan:

  • Single cat plan: $9.95 per month
  • Single dog plan: $11.95 per month
  • Family plan: $16.95 per month
  • Unlimited plan: $21.95 per month
  • Deductibles: None

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Your Pet Is Familylet Us Protect Them Too

HCF Pet Insurance can help with the cost of your cat or dogs eligible vet bills . With a range of optional extras, you can design a policy thats right for your pets life-stage and needs.

We offer a range of excess options, from zero to $200. The excess is your contribution to your pet’s treatment that applies to the first claim for each unrelated condition for each policy period. The higher your excess the lower your premium will be.

Hcf Pet Insurance Plans At A Glance

Pet Premium and routine care

Annual benefit limit

% of vet bill covered up to


Get a discount of up to 10% on additional pet insurance policies when you insure more than one dog or cat^

$145 per annum

Tick paralysis

21 day cooling off period


Pre-existing condition ~


Cruciate ligament conditions **


Overseas pet travel insurance

  • 0 days for specified accidental injuries.
  • 30 days for illness conditions.
  • 6 months for cruciate ligament conditions .
  • 0 days for specified accidental injuries.
  • 30 days for illnesses.
  • 6 months for cruciate ligament conditions .

Routine care benefit

Annual benefit limit for any of the following:

  • Desexing

Dental illness cover ++


Email us:

IF YOU HAVE A COMPLAINTWe hope that you never have reason to complain, but if you do we will do our best to work with you to resolve it. Our complaints resolution process has three steps. Please let us know if you require additional assistance to lodge a complaint.

1. IMMEDIATE RESPONSEUsually when you have a concern, we can resolve it immediately on the phone. If we cant immediately resolve your concern we will treat it as a complaint and take steps to resolve your complaint as soon as possible. We will acknowledge your complaint within one business day of receiving it.

Please contact us using on the of following means:Phone: Writing: HCF Pet Insurance, Customer Service Complaints, Locked Bag 9021 Castle Hill NSW 1765

You may contact AFCA at:

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What Is Pet Insurance

According to the Animal Health Alliance, more than 60% of Australians live with a pet. Cats and dogs are great companions, and you may even think of them as part of your family, but the costs of pet ownership can add up. Along with food, toys, treats and accessories, youve also got to consider the price of vet visits.

This is where pet insurance can help.

Pet insurance is designed to help cover unexpected veterinary expenses when your cat or dog is sick or injured. But you can also purchase an individual policy for your pet.

Plans may cover up to 80% of the cost of eligible vet bills, but this can vary between providers and your chosen level of cover. You are generally required to pay the vets bill up-front and receive reimbursement from your insurer after you make a claim.

Meet Our Pet Insurance Expert Stephen Zeller

Does pet insurance cover emergency care?

As General Manager of GI, Pet and Business Insurance, Stephen Zeller knows that dogs and cats get themselves into all sorts of mischief. One part of Stephens work is to help empower consumers to understand how pet insurance can help save them from exorbitant vet bills when their dog or cat gets injured or falls ill.

Stephen has more than 30 years of experience in the financial services industry, and is an Allied Member of the Australian and New Zealand Institute of Insurance and Finance and helps review general insurance content on Compare the Market to ensure it accurately breaks down complex insurance topics.

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How Petcover Can Help Your Pet

Petcover specialises in offering quality, straightforward pet insurance with a range of policy options that suit your needs. Whether your pet is big or small, furry or scaly our range of cover options are packed with added benefits. Accidents can happen at any time and the reality of veterinary costs can come a quite a shock. With our range of cover levels for dogs, cats, horses and exotic animals, why not get a quote today.

Lorens Ragdoll Ruby Was Bitten By A Redback Spider

After Lorens gorgeous Ragdoll, Ruby, was bitten by a redback spider, she spent a night in emergency care and four days in the intensive care unit. The cost of treatment was expensive. Bow Wow Meow made a difficult time much easier for her family, and Ruby has since made a full recovery.

After Lorens gorgeous Ragdoll, Ruby, was bitten by a redback spider, she spent a night in emergency care and four days in the intensive care unit. The cost of treatment was expensive. Bow Wow Meow made a difficult time much easier for her family, and Ruby has since made a full recovery.

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Does Pet Insurance Cover Medications

Pet insurance will usually offer some financial support for medications, so long as the medications are to treat illnesses or injuries covered by the policy. The medication itself will have to be prescribed by a registered vet.

Cover for eligible medications will generally be capped at whatever benefit percentage applies to the policy. There may also be sub-limits for medications treating certain illnesses or injuries.

Petcover Covers The Treatment Costs For Veterinary Fees Attributed To Accidents Injuries Or Illnesses Which May Happen To Your Pet Provided The Condition Did Not Occur Prior To Cover After The Cover Has Commenced Cover For Injuries And Accidents Starts Immediately On Sign Up Illness Cover Begins After The 21 Day Waiting Period

A review of Pet Insurance in Australia – CHOICE

Petcover offer the choice of 2 covers Lifetime policies or a 12 month Economy policy. Dependant on which cover you choose, Petcover covers you and your pet for a wide range of injury and illnesses. Below we will go through a couple of scenarios/potential claims so that you are able to realise what Petcover pet insurance can cover.

If my pet was to suffer an ongoing or lifelong condition such as diabetes or epilepsy would it be covered for the life of the pet, or would I only be able to claim for the condition during the first year of cover?

Petcover has Lifetime insurance for the life of your pet, provided the cover is renewed each year without a break. The number of times you can claim for the same illness is unlimited enabling you to give your animal the very best in veterinary care regardless of how much it costs. However, the amount for which you can claim in any one year is capped on an annual basis to the maximum benefit amount stated in your policy and a fixed excess will apply to any claims made. On Petcover Lifetime pet insurance, the excess is payable per unrelated condition , per policy year. Remember, with a genuine Lifetime plan, you get what you pay for a comprehensive pet insurance policy that will cover your pets conditions for life.

If Im going on holiday will my dog be covered if I take them interstate with me?

If my pet needs physiotherapy, will that be covered?

Will you cover the costs of cancer treatment?

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Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn’t a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you’re unsure about anything, seek professional advice before you apply for any product or commit to any plan.

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