Pounce Pet Insurance provides an Indoor Cat, Basic, Standard and Premium policy and lets you decide how much of your bill you want covered: 90%, 85% or 80%. These policies cover you for most accidents and illnesses, including euthanasia, and are underwritten by one of the biggest insurers in the world, The Hollard Insurance Company.
Pros
Up to $20,000 vet expenses cover – one of the highest limits available
Pounce's Premium plan is one of the few policies to offer dental cover for your pet
Visit any vet in Australia for treatment
Claim pre-approval available
Cons
Excess is fixed, which means you don't have the flexibility to lower your premium with a higher excess
Pounce's $1,500 paralysis tick benefit isn't market-leading — Petsy, Knose and Everyday are some of the providers available on Finder offering more.
As the name implies, this policy is for indoor cats only. It's a good way to pay less for your insurance as your house cat isn't likely to encounter as many risks as an outdoor cat, so you don't need as wide-ranging cover.
Cats 8 weeks to 9 years are eligible
Annual benefit limit of $6,000
Claim up to 80% back on vet bills
$500 towards emergency boarding annually
Essential euthanasia and pet overseas travel insurance included
Basic
A basic policy covers you for most accidents and illnesses, except cancer. The main reason this is considered a basic policy is because of the annual limits. You can only claim $5,000 for cats and dogs over the course of a year. It also has a condition limit of $1,000, meaning you won't get any more than this for a single condition unless specified otherwise.
Pets 8 weeks to 9 years are eligible
Annual benefit limit of $5,000
Claim up to 90% back on vet bills
$1,000 paralysis tick benefit
$500 towards emergency boarding annually
Essential euthanasia and pet overseas travel insurance included
Standard
Covering accidents and illnesses, a standard policy comes with an increased $13,000 annual limit and no annual condition limit. So if your pet needs thousands of dollars worth of care for one condition, they'll get it.
Pets 8 weeks to 9 years are eligible
Annual benefit limit of $13,000
Claim up to 80% back on vet bills
$1,000 paralysis tick benefit
$3,200 towards cruciate ligament conditions
$1,000 towards emergency boarding annually
Essential euthanasia and pet overseas travel insurance included
Premium
Pounce's Premium plan is its most comprehensive insurance policy and provides cover for everything with an increased annual limit of $20,000. Routine care is included and adds coverage for some preventative health care expenses. There is also an optional dental illness benefit of $1,000.
Pets 8 weeks to 9 years are eligible
Annual benefit limit of $20,000
Claim up to 85% back on vet bills
$1,500 paralysis tick benefit
$3,500 towards cruciate ligament conditions
$1,200 towards emergency boarding annually
Essential euthanasia and pet overseas travel insurance included
Choice of benefit percentage. If your pet is aged between 0 and 8, a Basic policy provides 90% back, a Standard policy 80% and a Premium policy 85%. If they are 8 or over, this changes to 65%, 80% and 85%.
Paralysis tick benefit. Premium cover comes with a $1,500 annual limit for ticks.
Cruciate ligament. The top level of cover comes with a $3,500 annual limit for cruciate ligament treatment.
No excess. There is no excess to pay on any policies. This means if you need to make a claim, you don't have to put down any money. Rather, you'll receive a percentage back, e.g. you will be reimbursed for 85% of the cost of treatment.
The table below outlines some of the main inclusions and exclusions of all four policies. For a full list, consult the product disclosure statement (PDS). In most cases, you need to serve a 30-day waiting period before you are covered.
Indoor Cat
Basic
Standard
Premium
Consultation fee
$300
No
$300
$300
Paralysis tick
No
$1,000
$1,000
$1,500
Cruciate ligament
No
No
$3,200
$3,500
Optional dental illness benefit
No
No
No
$1,000
Emergency boarding
$500
$500
$1,000
$1,200
Overseas pet travel
Yes
Yes
Yes
Yes
Essential euthanasia
Yes
Yes
Yes
Yes
Routine care
No
No
No
Yes
Motor vehicle incidents
No
Yes
Yes
Yes
Heat stroke
No
Yes
Yes
Yes
Burns
No
Yes
Yes
Yes
Poisoning
Yes
Yes
Yes
Yes
Ingestion of a foreign object
Yes
Yes
Yes
Yes
Spinal disc rupture
No
Yes
Yes
Yes
Electrocution
No
Yes
Yes
Yes
Pounce Pet Insurance costs
To give you a better idea about costs for Pounce's pet insurance, we gathered annual quotes for some popular Aussie dog breeds.
Dog breed
1 yr old
5 yr old
Maltese Cross
$1,470.80
$1,910.30
Cavoodle
$1,577.25
$2,021.68
Labrador
$2,107.04
$2,780.52
Staffordshire Bull Terrier
$1,853.14
$2,436.12
Border Collie
$1,853.14
$2,436.12
This information was correct as of July 2023. Prices will differ based on your dog's age, breed and location, so make sure to do your own comparisons to see how much your chosen policy could cost you.
There is currently no time limit to submitting a claim for your pet.
Yes, as long as your pet is insured with Pounce before a certain age and as long as you continue to hold the policy without a break, change or lapse in the level of coverage, you'll be able to continue insuring your pet as they get older. Age limits are:
Standard, Premium or Indoor Cat policy - before the age of 9 Basic policy - before the age of 6
Note: For Basic and Indoor Cat plans the benefit percentage reduces to 65% when your pet turns 8.
Pounce only offers insurance for dogs and cats at this stage. See our full guide on exotic pets for more options.
Yes, as long as your pet has not shown any noticeable signs, symptoms or abnormalities before the commencement date of the policy or during any waiting period that may apply.
Yes, the Premium plan has the option to add on Routine Care cover which includes benefits for both vaccinations and desexing.
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 648 Finder guides across topics including:
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
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