Pet Insurance

Our hospital strongly encourages owners to look into pet insurance for their pets.

There is no Medicare for pets so diagnostics, medications and treatment can really add up!

Budgeting for a regular pet insurance premium may be more affordable and less stressful then having to find large sums for treatment, especially during emergency situations.

We never want you to have to choose between your pets care and your financial security, so we highly recommend finding a pet insurance that suits your family.

Things to consider when looking for pet insurance:

– The sooner the better, as often pre-existing conditions will not be covered. So the sooner you insure your pet, the more conditions the insurer will cover! Some insurers will also only provide coverage from a certain age, so if you want your pet covered for when they get older and medical issues may arise, you need to act early on.

– Be aware of the different levels of cover, some are for emergencies only whereas more comprehensive levels may cover routine care such as vaccinations. Work out what you you need covered and what you can afford upfront, and choose accordingly.

– What percentage does it cover? Some insurers will cover 100% of the claim amount, and some even pay directly to our hospital. Whereas others you may need to pay the bill upfront, then be reimbursed a certain percentage after the claim is made.

– What is the excess? Different policies will have different excess amounts. Have a think about if you would rather pay a higher excess and lower premiums, or if you would rather a policy with a very low excess to reduce costs at the time of treatment.

– Always read the fine print! It’s best to be aware if your insurance policy has any exclusions. Most common is dental work, cruciate and patella surgeries and often there are limits on how much they will cover for things such as Paralysis Ticks and Snake Bites. The more educated you are on your policy, the better.

Choosing the right pet insurance can be overwhelming, but we encourage owners to do their research and make a decision, because pet insurance could save your pets life!

Even pets that appear to be totally healthy can be involved in freak accidents, develop life-long conditions or become ill very suddenly.

Take the pressure off what will already be a very stressful time, an insurer your pet today!

You can always discuss pet insurance with a member of our team as well. Call us today on 07 4151 3550.

Frequently Asked Questions About Pet Insurance

  • Do I have to get pet insurance?

    No, you don’t have to get pet insurance.

    However, if you do not have pet insurance, if your pet needs medical attention or urgent care, you will need to pay out of pocket and upfront for those services.

  • What are the benefits of pet insurance?

    Pet insurance can reduce the financial burden an emergency involving your pet can create.

    As there is no Medicare equivalent for pets and vets, the diagnostic, medical and treatment services required to keep them healthy need to be paid for upfront.

    Pet insurance is a great way to protect against unexpected veterinary bills. You will pay a pet insurance premium, this payment may be weekly, fortnightly, monthly or annually, and that will cover values towards different services that your pet may require.

    Some insurance policies will cover 100% of claims made some will cover a portion – this is dependent on the service provider and the level of insurance cover you choose.

    Vet bills do add up fast, so while you may not like the idea of paying for something you may not use for a while (or at all), the costs are usually significantly less than the cost of an emergency involving your pet.

    Pet insurance takes the difficult decisions away if your pet needs urgent care. It is common that people have to make tough decisions between treating their pets and their financial stability. Pet emergencies are very common and pet insurance can give you that extra assurance along the way.

    If you have questions about pet insurance, you can always discuss with our veterinary team today.

  • What do I need to know when searching for a pet insurance provider?

    If you’re thinking about investing in pet insurance, there are some things you should be aware of when beginning your search for the right insurer.

    • Think about what you actually need coverage for. There may be services or coverage that is for things that are not relevant to the kind of animal you have or the area that you live in.
    • Not all insurance companies will cover pre-existing conditions for your pet. It can be especially difficult if you’re looking to insure an older pet, as many animals, like cats and dogs, age at a faster rate than humans and may develop health problems as they get older. Make sure you find insurance sooner rather than later.
    • Some insurance companies may not provide coverage for older pets or for particular breeds or types of animals. Make sure you do your research.
    • Like health insurance for humans, pet insurance also has different levels of cover. Some may cover basics, like general check ups and vaccinations, while others might offer emergency surgeries, and some might cover everything. You don’t necessarily need to have the most comprehensive cover, it’s a good idea to take into consideration what kind of pet you have, their current needs and if there are any conditions this breed of animal may be more susceptible to.
    • Ensure you are fully aware of how much your insurance covers. Some insurance types may cover 100% of the services, some might cover some services fully and a percentage of others, some may have annual caps on particular services, and some may only cover a percentage the services. The amount they cover of services will likely be in line with the level of coverage you have selected. The more comprehensive your insurance policy, the higher percentage of the bill the insurance company will cover. It’s a good idea to get the best cover that you can comfortably afford.
    • Be aware of the excess. An excess payment is the payment you need to make to make a claim. You can choose to have a higher excess, which means your insurance premium will be lower but if you need to make a claim you will be making a higher excess payment at the time. If you decide to have a lower excess, your initial insurance premium payment will be higher, but when you need to make a claim your excess required will be lower.
    • Read the fine print. Most insurance policies will have exclusions, these could be related to certain animal types or certain services. Just make sure you understand what is and is not covered by your policy before signing up to one.