September 20, 2018

Understanding Different Types of Pet Insurance

Owning a pet can be very beneficial to our health. Being with our pets can improve our fitness and relieve stress. In other words, pets can keep us healthy. It is our obligation to make sure that they are being cared for, and that their health is in good shape. Pet insurance ensures the welfare of our beloved pets.

Pet insurance is more like car insurance than life insurance in Australia. It covers treatments for accidents and illnesses of your dog or cat, much like car insurance covers repairs after an accident, or injuries to passengers. Both insurance policies give coverage for anything that is unexpected. For example, if your dog breaks a bone or is diagnosed with cancer, the medical treatment is covered. If your car gets scratched or your passenger breaks an arm, you’re covered. In this article, let’s take a look at the different pet insurance policies in Australia:

Accident Only Policy

This is the cheapest type of policy, covering the levels depending on the budget. It covers physical injuries from certain accidents, and injuries that are caused by other animals. Keep in mind that not all injuries are included in the coverage. For example, flea bites and other injuries from pre-existing conditions are excluded.

Accident and Illness Policy

Any kinds of illnesses that is diagnosed by your vet like cancer, infections in the organs, hereditary conditions, diseases that develop through aging, as well as skin conditions are included in the coverage. But just like the accident only policy, this policy also has exclusions.

Some examples are pre-existing conditions, injuries from negligence, and deliberate injuries from the household. When the pet has fallen ill due to the owner’s failure to follow the vet’s recommendations, this policy will also not cover for the illness.


This policy has a wide range of coverage. It covers not only accidents and illnesses, but also follow-up treatments as well as routine care such as vaccinations, worming treatments, dental treatments, de-sexing, micro chipping, and behavioral training. De-sexing and micro-chipping are done in the first year of your pet, and this will be covered by this policy.

According to The Animal Health Alliance, 78% of dogs and 91% of cats are now de-sexed, and 76% of dogs and 64% of cats have been micro-chipped.

Got other ideas on pet insurance? Share your insights in the comments section.

About the author  ⁄ Marxa Dillan

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