Vets Choice Pet Insurance Review

Pros

• It's the only insurer to be endorsed by the Australian Veterinary Association (AVA).
• Unlike the majority of pet insurance policies, there are no gap payments – 80% of eligible vet bills are covered.
• It comes with a $2,500 paralysis tick benefit which is higher than 6 of the 10 insurers we looked at.

Cons

• Its $15,000 limit is similar to many other pet insurers.
• Its 5% multi-policy discount is no good to people who just have one pet.

Deal

5% Multi-pet Discount

Save 5% when you insure multiple pets with Vets Choice Pet Insurance.

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Compare pet insurance from Vets Choice

What policies does Vets Choice offer?

Vets Choice offers 2 pet insurance policy options to choose from. You have the option to add on dental cover and extra cover for cruciate ligament. Keep in mind that waiting times apply and each policy comes with an excess charge as well as a sub and annual benefit limit.

Pro Cover

You will receive 80% of approved claim costs depending on your choice of benefit level at the point of purchase. The annual limit is $12,000, though sub-limits may also apply. Cover with a Pro Cover policy includes cover for accidents and illnesses such as:

Elite Cover

As well as cover for everything that you get with a Pro Cover policy – and a higher annual limit of $15,000 – Elite Cover also includes cover for accidents and illnesses including:

🏥 Here's a breakdown of what Vets Choice covers

Here's an overview of what your pet will be covered for with Vets Choice.

Accidental injuries

Vets Choice can pay 80% of vet bills if your pet suffers from an accident such as a:

• Bone fracture
• Heat stroke
• Tick paralysis
• Snake bite toxicity
• Ingestion of a foreign object
• An embedded grass seed
• Anaphylactic shock
• Torn nail

Illnesses

If your cat or dog falls ill, Vets Choice can pay 80% of eligible vet bills towards illnesses such as:

• Cancer
• Cruciate ligament condition
• Cherry eye
• Non-diabetic cataracts
• Intervertebral disc disease (IVDD)
• Lumps, growths and cyst removal
• Hip dysplasia including hip replacement
• Urinary tract infections, diseases and obstructions

Dental

Vets Choice comes with the option to add on dental cover or dental plus. Dental cover can help pay for dental injuries and illnesses such as gingivitis, abscesses, cavities or dental disease from infection. Dental plus covers routine care such as:

• Dental check-ups
• Teeth clean and polish
• Dental diets, chews, treats and toothbrushes
• Certain preventative items

What is not covered by Vets Choice?

Here are some of the services excluded from a Vets Choice pet insurance policy.

• Vaccinations and regular check-ups. Routine care is not generally covered. Some of the treatments excluded include:

• General consultations
• Dental treatment (unless you have selected the optional dental add-on)

• Pre-existing conditions. Vets Choice won't cover your pet for the cost of any treatment related to a pre-existing condition.
• Alternative treatments. You are only covered for the treatments outlined in your policy, even if the alternative treatment is done by a vet.
• Elective treatment. Treatment for accidental injuries or illnesses that are not covered under your policy even if they may be beneficial to your dog or cat but are not essential to their survival.
• Age restrictions. Keep in mind that, like many insurers, Vets Choice will only insure dogs and cats between the ages of 8 weeks and 8 years.

To ensure you know exactly what is and isn't covered, always read the product disclosure statement (PDS).

Vets Choice frequently asked questions

• What additional benefits do I get with Vets Choice?

  Vets Choice has a number of add-ons and additional benefits. These include:

  • Dental: You can get cover for treatment of certain dental conditions such as gingivitis, abscesses or removal of teeth.
  • Dental plus: This pays for approved vet costs for certain preventative dental treatments up to the applicable annual sub-limit. You don't need to pay any excess for these benefits and there is no waiting period either.
  • Multi-pet discount: Vets Choice will take 5% off your premiums if you insure another pet.
  • Essential euthanasia: Vets Choice will pay the vet costs to euthanise your pet if a vet decides euthanasia is necessary.
  • Lifetime cover. You can get guaranteed lifetime cover for your pet as long as you join before they reach their 9th birthday and your policy remains active.

• What waiting period do I need to serve with Vets Choice?

  You'll need to serve a 21-day waiting period for most accidental injuries and illnesses. In some instances, Vets Choice will waive waiting periods for accidental injuries. There's also a 6-month waiting period for cruciate ligament conditions.

• How much of my vet bill will Vets Choice cover?

  Vets Choice will cover 80% of eligible vet bills depending on the benefit level chosen at point of purchase – it's one of the few insurers to do so. However, you will have to pay an excess when you make a claim. The amount will be outlined to you when you take out a policy.

• Can I get a discount with Vets Choice if I have more than one pet?

  Yes, Vets Choice gives you a 5% discount when you insure multiple pets.

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