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Cheap pet insurance

Your guide to finding cheap pet insurance for your furry friend.

Pet Insurance
1 - 13 of 14
Name Product AUFPI Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Plus Cover
tick
tick
$3,000
$25,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Medibank Pet Max Cover with Extra Care
tick
tick
$30,000
$30,000
90%
90%
⭐Finder Exclusive: Get your 1st month’s premium free when you chews Medibank Pet Insurance. Sign up using promo code FINDERONE. Offer ends 16 December 2024. T&Cs apply.
Everyday Comprehensive Plus Cover
tick
tick
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
tick
tick
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
PIA Major Medical Cover
tick
tick
$3,000
$30,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
Coles Premium Cover
tick
tick
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
tick
tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Fetch Pet Insurance
tick
tick
$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Vets Choice Elite Cover
tick
tick
$2,500
$15,000
80%
80%
Get a 5% discount when you insure more than one pet.
Guardian Platinum Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Petsy Custom Cover
tick
tick
$5000 or $10,000 or $25,000
$0
80% or 90%
80% or 90%
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
Real Premium Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Ultimate Plus Accident and Illness Cover
tick
tick
$20,000
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
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Cheap pet insurance options

We got quotes from a range of pet insurers for both dogs and cats. We used younger and older animal profiles. The below is an average of these quotes and can be used as a guide to show how much pet insurance quotes can vary between insurers. Your own quote will differ, this should be used as a guide only.

ProviderAverage annual price
Budget Direct pet insurance$505Get quote
Bow wow meow pet insurance$774More info
Vets Choice pet insurance$853Get quote
Guide dogs pet insurance$1,096Get quote
Guardian Pet Insurance Logo$1,108Get quote

To learn more about how we got the costs above, read our pet insurance methodology.

How to get cheaper pet insurance

One

Select a higher excess

The higher the excess you choose, the cheaper your premiums will be. Our filters let you choose between a $0 and $500 excess to help lower costs. Just remember that you'll need to pay this excess whenever you make a claim.

Two

Opt for a lower annual limit and reimbursement rate

An annual limit is the maximum amount you can claim per year. The reimbursement rate refers to the percentage of a vet bill the pet insurer will pay. Generally, the lower the annual limit and reimbursement rate, the cheaper your pet insurance policy is likely to cost.

Three

Get multiple quotes

While we can't show you exactly how much you'll pay for a pet insurance policy, there's nothing stopping you from clicking through, answering some questions about your pet and getting a couple of different quotes. If price is your only concern, go with the insurer that gives you the cheapest quote.

What does pet insurance cover?

A typical pet insurance policy can cover you for a range of treatments. Each provider differs so be sure to understand what's included as standard and what you'll need to add as an optional extra.

Here are some of the benefits you'll find in your policy:

  • Accidental injuries
  • Illnesses
  • Tick paralysis
  • Routine care
  • Hospitalisation
  • Surgery
  • Radiology
  • Specialist care
  • Skin conditions
  • Hereditary conditions
  • Medicines
  • Cruciate ligaments
  • Lab tests
  • Dental
  • Cancer treatment
  • Consultations and vet visits

Some pet insurance policies cover you for specified illnesses. This means you need to read the product disclosure statement (PDS) to see which illnesses your furry pal will be covered for. In most cases, it should include the most common types of illnesses.

How does pet insurance work?

In the event your pet needs medical attention, pet insurance works by providing you with a partial reimbursement on the vet fees you had to pay. This is done with a few considerations:

Percentage

Benefit percentage

When you take out your pet insurance policy, you can elect a reimbursement rate. The options are typically for 70, 80, 90 or 100%. The higher your reimbursement rate, the higher your premium will be.

Dollar sign

Benefit limit and sub-limits

Each insurer has a maximum cover amount available per year. This is the limit which they will pay out in any single year. On top of this, there are sub-limits which apply to specific treatments. Let's say for example, you take out a policy with a max cover amount of $30,000. Afterwards, you have to go to the vet for a cruciate ligament treatment and it costs you $4,000. You go to make a claim for cruciate ligaments but it has a sub-limit of $1,500. This means you only get reimbursed for $1,500 of the $4,000 you paid.

Warning

Policy excess

When you take out a policy, you will nominate an excess to pay. This is the amount you will have to pay the insurer to be able to make a claim on your policy. Often, instead of having to transfer the money to your insurer, they'll just deduct it from your reimbursement.

How is a pet insurance premium calculated?

The cost of your pet insurance premium is highly customised. It will depend on any of the following:

  • Breed
  • Age
  • How healthy they currently are and if they've had illnesses in the past

The status of your pet aside, there are a few other factors that influence your overall premium:

  • Policy excess: The higher your excess, the lower your premium
  • Optional extras: The more you add, the more expensive your policy will be.
Elizabeth Barry's headshot

"I realised the value of pet insurance when one of my dogs got very sick as a young puppy. We have now had both dogs insured for years. I can't tell you how much we've saved being able to claim vet bills for injuries and some illnesses. If I could do it again, I would organise insurance before bringing the dogs home as puppies."

Lead Editor

Pet insurance deals and discounts

Deal exclusive

Get your 1st month’s premium free

Verified Today Expires 16 Dec 2024
When you chews Medibank Pet Insurance. Sign up using promo code FINDERONE. Offer ends 16 December 2024. T&Cs apply.
Deal

10% discount for Medibank members

Verified Today
Save 10% off on pet insurance if you have health insurance through Medibank.
Deal exclusive

Get 10% off your pet insurance premiums

Get 10% off of the first year. Lower prices for lower risk pets. T&Cs apply.
Deal

Get 10% off your groceries at Woolworths

Verified Today
Everyday Insurance customers who scan their Everyday Rewards card can receive 10% off their Woolworths shop once per month. T&Cs apply.
Code exclusive

30% off your first month of pet insurance

Includes a custom pet tag. T&Cs apply.
Deal

Save up to 15% when you buy Budget Direct Pet Insurance online

Verified Today
Get 15% off on your first year’s premium when you buy online. T&Cs apply.
Deal

Get your first month free

Apply for a PD pet insurance policy online for your dog or cat and get your first month free. T&Cs apply.
Deal

First month free

Verified Today
Get 1 month free for the first year of new policies, applied across the year.
Code

Get free pet insurance for the first 2 months

Verified Today
Get 2 months' free pet insurance when you sign up for cover with Pet Insurance Australia.
Deal

Get 10% of premiums back in the first 12 months

Verified Today
Receive 10% of premiums you’ve paid in the first 12 months with The Real Reward program.
Deal

10% off if you're over 50

Verified Today
If you're over 50 years old, get 10% off your policy.

FAQs

Jason Loewenthal's headshot
To make sure you get accurate and helpful information, this guide has been edited by Jason Loewenthal as part of our fact-checking process.
Gary Ross Hunter's headshot
Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 659 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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