Things to Know About Pet Insurance

What does pet insurance cover?

Pet insurance usually only covers cats and dogs. Pet insurance policies typically cover:

  • Accident only - This covers vet costs where your pet is involved in an accident (premiums are usually about $20 per month)
  • Accident and illness - This covers vet costs for accidents as well as illnesses (premiums are usually between $35-55 per month)
  • Accident and illness plus routine and preventative care - This covers routine vaccinations and worming treatments as well as vet costs for accidents and illnesses (premiums are usually $60 plus per month).

Pet age limits

New pet insurance policies are generally not available for older pets (between 7 and 9 years of age and above, depending on the policy terms). Once your pet reaches a certain age, even if you already have pet insurance, you will probably not be able to switch to another insurer or brand.

What does pet insurance not cover?

Pet insurance exclusions usually include:

  • Illness or injury from pre-existing conditions (including conditions before the policy was purchased)
  • Bilateral conditions (pre-existing conditions affecting a body part where the pet has more than one, such as an eye or ear)
  • Vet costs for elective treatments (like orthodontics or de-sexing) or routine care (unless specific additional cover is purchased for this)
  • Treatment of illnesses during the waiting period
  • Treatment for diseases for which there is a known vaccine (such as kennel cough). (Some policies may pay if your pet has had the vaccine, but others may not.)

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