In South Australia, it's not uncommon for us to be sharing our backyards and properties with a range of native wildlife. And while we know not to provoke wild animals, our pets often don't.
Combine that with the risk of busy traffic in populated areas and the risk of illnesses like cancer and it makes sense to consider pet insurance. A policy can cover you for accidents and illnesses whenever the unexpected happens.
We get that price matters, but we don't include costs in our pet insurance comparison. This is because quotes are tailored to the pet you own, including their age and breed. So compare the features of each policy in our table first, then get your own personalised quote.
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| Response | 75+ yrs | 65-74 yrs | 55-64 yrs | 45-54 yrs | 35-44 yrs | 25-34 yrs | 18-24 yrs |
|---|---|---|---|---|---|---|---|
| No | 100% | 93.83% | 91.56% | 83.72% | 83.24% | 77.66% | 71.57% |
| Yes | 6.17% | 8.44% | 16.28% | 16.76% | 22.34% | 28.43% |
There are three types of cover to choose from:
When you compare different pet insurance options you can find around South Australia, you'll discover the following differences:
If you're after the cheapest pet insurance in South Australia, it's most likely going to be an accident-only policy. However, in the long run, comprehensive cover might end up being better value for money.
The table below gives you an idea of how much pet insurance costs in South Australia. Remember that your personalised quote will differ based on factors such as your pet's age and breed.
| Policy | Cost per week | Cost per month | Cost per year | Cost of cover over 5 years | Cost of cover over 10 years |
|---|---|---|---|---|---|
| Accident-only cover | $4.62 | $20 | $240 | $1,200 | $2,400 |
| Accident and illness cover | $8.08 - $12.69 | $35 - $55 | $420 - $660 | $2,100 - $3,300 | $4,200 - $6,600 |
| Accident and illness cover plus routine and preventative care | $13.85+ | $60+ | $720+ | $3,600+ | $7,200+ |
If you want peace of mind and you don't want to worry about whether or not you can afford certain vet bills, then it's worth it. If you're not sure whether it's good value for money, take a look at the cost of some common vet bills and see how much insurance can help.
| Illness or injury | Total cost of treatment | Amount covered by pet insurance (80% of bill) | Remaining amount you would need to pay |
|---|---|---|---|
| Cruciate ligament surgery | $2,500 | $2,000 | $500 |
| Vomiting/diarrhoea | $200-$3,000 | $160-$2,400 | $40-$600 |
| Tick paralysis | $5,000 | $4,000 | $1,000 |
| Snake bite | $2,000 | $1,600 | $400 |
| Bone fractures | $2,500 | $2,000 | $500 |
| Ingesting a foreign body | $2,000 | $1,600 | $400 |
| Cancer | $2,000 | $1,600 | $400 |
*Disclaimer: Please note that the costs quoted in the above table are guides only. Costs can vary greatly based on severity, required treatment and how much your vet charges. For example, the quoted cost for a snake bite is $2,000, but in severe cases, treatment could cost well over $10,000.
All insurance policies have exclusions, and pet insurance is no exception. In South Australia, some of the conditions to watch out for as you compare pet insurance include the following:
In South Australia, there are a few laws pet owners need to be aware of.
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Worried that your dog has a cruciate ligament injury? This guide covers what cruciate ligament is, your options for treatment, and how much can be covered by different pet insurance brands.
Compare your pet insurance options in Perth and around Western Australia.
