Compare Dog Insurance Plans

Find and compare the cheapest dog insurance plans available by 5 pet insurance providers.   Plans are split into 3 different groups; basic, mid-range and comprehensive cover.

The Mid-Range cover, Standard cover or also known as the Accident and Illness plan is the most commonly purchased dog insurance.  As the plan suggests, it includes the basic covers but also provides cover for sickness or diseases diagnosed by a vet.  These typically includes illnesses such as; cancer, skin conditions such as allergies, hereditary/congenital conditions, ear/eye conditions, gastrointestinal problems and infectious diseases.  Please be sure to read PDS for a more detailed list of inclusions.

Is the Mid-Range Cover for me?

The Mid-Range Cover suits dogs who are typically older in age (greater than 2-3 years old), experiencing health problems or have the tendency of developing health problems (based off prior known medical conditions or expected dog breed conditions).  For example, Pekingese dogs, with their flat face, can developing respiratory problems, Pomeranian's are known to have leg/joint issues, and Labradors are prone to be obese if they do not have the proper diet.  Although, Accidental and Illness covers cost more than the basic cover, it does provide dog owners the reward of saving thousand off medical bills.

  • Name of Plan
  • Discounts available by insurers. This includes Multi-pet discounts, coupons or existing member discounts.Offers & Discounts yes
  • What the plan covers
  • The age when your dog can and must join by to be covered.*How old must your pet be when joining yes
  • An excess is an additional set amount you need to pay, just for making a claim on your pet insurance.*Excess yes
  • The total amount payable under your policy for each Cover selected. This is the annual maximum amount, inclusive of any applicable sub-limits.*Annual Benefit Limit yes
  • The stated % of each claim for which will be reimbursed.*% of eligible vet bill reimbursed yes
  • The Physical harm or injury arising from a single specific, unpredictable, unusual and unintended external event which occurs at a particular time and place, with no apparent and deliberate cause bit with marked effects; and is independent of any other cause. *Covers Accidental Injury yes
  • A sickness or disease diagnosed by a Vet.* Covers Illness yes
  • If you have selected the Routine Care Benefit option, you will be covered for preventative care and routine services up to the limits as shown on your applicable certificate of insurance.* Routine Care Cover Option yes
  • You will be paid the Benefit Percentage for Vet Expenses incurred by you up to the sub-limit, for the Treatment of Conditions arising in your Pet caused directly by paralysis tick bites. $ amount stated are PA.*Tick paralysis yes
  • If you are hospitalised for 5 or more consecutive days during the Policy Period, you will be paid for the cost of boarding your Pet at a licensed kennel or cattery up to the benefit limit. $ amount stated are PA.*Emergency boarding fees yes
  • Bow Wow
  • $35.07

    per month

  • Comprehensive
  • Multi-Pet Discount and 1 month off premium with coupon code10% Off
  • 8 Weeks to 9 Years
  • $100
  • $12,000
  • 80%
  • $500
  • Woolworths Pets
  • $35.52

    per month

  • Standard
  • Woolworth Rewards Members10% Off
  • 8 Weeks to 9 Years
  • $100
  • $10,000
  • 80%
  • $1,000
  • $500
  • Pet Insurance Australia
  • $36.53

    per month

  • Comprehensive
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $100
  • $15,000
  • 80%
  • $1,000
  • $1,000
  • RSPCA
  • $42.92

    per month

  • Economy Accident & Illness Cover
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $0
  • $11,000
  • 75%
  • $1,000
  • $1,000
  • HCF Pet Insurance
  • $43.99

    per month

  • Pet Premium
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $100
  • $12,000
  • 80%
  • $1,000
  • $1,000
  • Petbarn Insurance
  • $45.06

    per month

  • Essential
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $100
  • $15,000
  • 80%
  • $1,000
  • PetMed Logo
  • $46.11

    per month

  • Standard
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $99
  • $12,000
  • 80%
  • $500
  • $1,000
  • Pet Cover
  • $47.42

    per month

  • Essential Accident & Illness Cover
  • Discount for people over 50 years of age10% Off
  • 8 Weeks to 9 Years
  • $0
  • $12,000
  • 75%
  • $1,000
  • $1,000
  • Pet Cover
  • $52.36

    per month

  • Economy Accident & Illness Cover
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $0
  • $14,000
  • 80%
  • $1,000
  • $1,000
  • Pet Cover
  • $60.42

    per month

  • Standard
  • Discount for Existing Bupa Member10% Off
  • 8 Weeks to 9 Years
  • $100
  • $12,000
  • 80%
  • $80
  • $1,000
  • $500
  • Pet Cover
  • $80.55

    per month

  • Mid-Point
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $150
  • $15,000
  • 85%
  • $145
  • $500
  • $1,000

The comprehensive insurance covers is the top of the range cover for your dog.  In addition to the mid-range inclusions, it includes components for routine care, which includes vaccinations, worming treatment, de-sexing, behavioural therapy training classes and in some plans include dental care.  Please be sure to read the insurance providers PDS as each insurer’s covers and offers differ.

Does Comprehensive Insurance Suit me?

The Comprehensive plans suits ageing dogs as they tend to develop illnesses as they get older.  Most insurance providers only offer comprehensive covers before your dog turns 9, however breeds such as the Great Dane, are not applicable for cover after they reach the age of 5.  As such, it’s important to read through the PDS carefully before you make the decision to join.

  • Name of Plan
  • Discounts available by insurers. This includes Multi-pet discounts, coupons or existing member discounts.Offers & Discounts yes
  • What the plan covers
  • The age when your dog can and must join by to be covered.*How old must your pet be when joining yes
  • An excess is an additional set amount you need to pay, just for making a claim on your pet insurance.*Excess yes
  • The total amount payable under your policy for each Cover selected. This is the annual maximum amount, inclusive of any applicable sub-limits.*Annual Benefit Limit yes
  • The stated % of each claim for which will be reimbursed.*% of eligible vet bill reimbursed yes
  • The Physical harm or injury arising from a single specific, unpredictable, unusual and unintended external event which occurs at a particular time and place, with no apparent and deliberate cause bit with marked effects; and is independent of any other cause. *Covers Accidental Injury yes
  • A sickness or disease diagnosed by a Vet.* Covers Illness yes
  • If you have selected the Routine Care Benefit option, you will be covered for preventative care and routine services up to the limits as shown on your applicable certificate of insurance.* Routine Care Cover Option yes
  • You will be paid the Benefit Percentage for Vet Expenses incurred by you up to the sub-limit, for the Treatment of Conditions arising in your Pet caused directly by paralysis tick bites. $ amount stated are PA.*Tick paralysis yes
  • If you are hospitalised for 5 or more consecutive days during the Policy Period, you will be paid for the cost of boarding your Pet at a licensed kennel or cattery up to the benefit limit. $ amount stated are PA.*Emergency boarding fees yes
  • Bow Wow
  • $50.50

    per month

  • Comprehensive Plan
  • Multi-Pet Discount and 1 month off premium with coupon code10% Off
  • 8 Weeks to 9 Years
  • $100
  • $12,000
  • 80%
  • $145
  • $500
  • Woolworths Pets
  • $46.76

    per month

  • Comprehensive
  • Woolworth Rewards Members10% Off
  • 8 Weeks to 9 Years
  • $100
  • $12,000
  • 80%
  • $100
  • $1,500
  • $1,200
  • RSPCA
  • $46.63

    per month

  • Ultimate Accident & Illness Cover
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $0
  • $11,000
  • 80%
  • $80
  • $1,200
  • $1,000
  • PetMed Logo
  • $56.68

    per month

  • Standard
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $99
  • $18,000
  • 85%
  • $80
  • $1,000
  • $500
  • Pet Cover
  • $98.08

    per month

  • Mid-Point
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $150
  • $20,000
  • 85%
  • $145
  • $500
  • $1,000

Basic cover is the entry level insurance plan for your dog and are commonly known as Accident only plans.  It typically only covers accidental injuries, however it is important to check the insurance plan you are interested in for common claims such as broken bones from car accidents, scratches from fighting with other pets or even snake bites.

Most basic plans do not cover new/per-existing illnesses to your dog or even items such as tick and flea bites.

Does the Basic Cover suit me?

The basic plans offers cheaper entry point and are more commonly purchased for new and healthy puppies.  These plans do not suit older dogs because as your dog ages, they are more prone to having health issues that are non-accidental related.

  • Name of Plan
  • Discounts available by insurers. This includes Multi-pet discounts, coupons or existing member discounts.Offers & Discounts yes
  • What the plan covers
  • Test TestHow old must your pet be when joining yes
  • An excess is an additional set amount you need to pay, just for making a claim on your pet insurance.Excess yes
  • The total amount payable under your policy for each Cover selected. This is the annual maximum amount, inclusive of any applicable sub-limits.*Annual Benefit Limit yes
  • Test Test% of eligible vet bill reimbursed yes
  • Test TestCovers Accidental Injury yes
  • Test TestCovers Illness yes
  • Test TestRoutine Care Cover Option yes
  • Test TestTick paralysis yes
  • Test TestEmergency boarding fees yes
  • HCF
  • $20.12

    per month

  • The Basics
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $100
  • $8,000
  • 80%
  • Bow Wow
  • $21.73

    per month

  • Pet Essentials
  • HCF Members10% Off
  • 8 Weeks to 9 Years
  • $100
  • $8,000
  • 80%
  • $500
  • Woolworths Pets
  • $37.06

    per month

  • Basic Cover
  • Woolworth Rewards Members10% Off
  • 8 Weeks to 9 Years
  • $100
  • $5,000
  • 80%
  • $1,000
  • $500
  • RSPCA
  • $39.28

    per month

  • Basic Accidental Cover
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $0
  • $7,000
  • 80%
  • $500
  • PetMed Logo
  • $49.69

    per month

  • Basic
  • Multi-Pet Discount10% Off
  • 8 Weeks to 9 Years
  • $99
  • $5,000
  • 65%
  • $500
  • $500

*Please consult the PDS for further information, including a full description of benefits, as well as exclusions.
Product and pricing information up-to-date as at 12 05 2017. This page contains general information and there may be additional features to some products that are not compared. Please refer to the Product Disclosure Statement for full information on cover.
Quote based off Cavoodle, 6 months old, de-sexed, mail, residing in post code 3125, owner born Feb, 1977. Insurance premium selected was $100.

With over 24 million pets in Australia, we have more pets compared to the whole Australian population. Around 5.7 out of the 9.2 million Australian households own pets, suggesting 62% of Australians are pet lovers, with many families having more than one dog, cat, fish bird and others.

Over 4.8 million dogs are members to 3.6 million Australian households, making dogs the most popular family pet with an average of 1.3 pets per home.
Of the 4.8 million lucky dogs, 52% are pure breeds, 41% mix breed and 7% designer breeds.

Australian’s typically love to have smaller to medium sized dogs ( 4 to 25 kilograms), with the 10 dogs being:

1. Labrador Retriever
2. Staffordshire Bull Terrier
3. French Bulldog
4. German Shepherd
5. Bordie Collie
6. Golden Retriever
7. Cavalier King Charles Spaniel
8. American Staffordshire Terrier
9. Miniature Schnauzer
10. Rottweiler

Over 35% of dogs were purchased from a breeder suggesting Australians are more confident with breeders as they typically have a better understanding of the puppy. Although purchasing dogs from breeders cost more, some benefits are;

  1. Understand the puppy’s health history
  2. Get the meet the puppy’s parents
  3. Better temperament and upbringing on the puppy
  4. Better knowledge of the breed thus providing you better insights on how to train and keep your puppy healthy

Other common sources of acquiring puppies were from friends/neighbors (17%), animal shelters (16%) and pet shops (14%).
Pure breed dogs cost the most with an average price to be around the $680 mark, followed by designer breeds at $658 and mixed breed dogs at $306. However, pure breed show dogs can cost up to $5,000. For example, unique breeds such as the white miniature schnauzer can cost up to $3,500.

Companionship or family?

Over 66% of families have cited companionship as the main reasons for acquiring a dog. However once acquired, over 64% cited the dog to be part of the family, 23% maintained the same mindset as a companionship and 6% of dogs having a security role.

Inside or Out?

Most of our loving dogs have the freedom to be both indoors and outdoors (66%), while 20% of dogs are kept exclusively outdoors and the remaining 14% are indoors only.
Australian families who keep their dogs outdoors are more likely to have children (28%) and living in a freestanding home (22%) and reside in the regional centres or rural areas (27%).
Families who keep dogs exclusively indoors are most likely to be living in a semi-detached/townhouses homes (32%) or urban/city area (20%). Interestingly, dogs weighing 10 kilograms or more are likely to be outdoor-only dogs (29%) and dogs weighing under 10kg are likely to be indoor-only dogs (21%).

Australian cat and dog owners are spending an estimated $490 million a year on pet insurance, with expenditure on dog insurance almost twice that of cat insurance. Although the rates of pet insurance have increased since 2013, it is still not widely used. In 2016, only 26% of households with dogs (up 9%) and 19% of households with cats (up 6%) have taken insurance policies to cover veterinary costs.

Key reasons cited by owners for not purchasing insurance were that they do not see the value (47% of dog owners, 48% of cat owners) or that it’s too expensive (43%, 42%), followed by not having investigated or thought about insurance (18%, 16%).

Aside from these reasons, some also mentioned the number of exclusions in pet insurance policies as being a key reason why they had not purchased such products. “I had it previously but the number of exclusions didn’t make it worthwhile.” – survey participant, dog owner Many cat and dog owners mentioned that they had not bought insurance because their pet was ‘too old to be insured’.

Awareness of pet insurance does not appear to be an issue, with only 1% of dog owners and 3% of cat owners saying they did not know it was available. Similarly, the proportion of households who hadn’t looked into pet insurance has fallen from 25% for both dogs and cats in 2013, to 18% and 17% respectively in 2016 – suggesting that despite high levels of awareness and improving rates of investigation, the insurance products available remained unattractive for nearly one in five cat and dog owners.

Households earning $100,000 or more are more likely than other segments to say they don’t see the value in insuring their dog (62%) or cat (66%) – a sentiment also shared by male dog owners (54%). Meanwhile, pet owners under the age of 25 are more likely than other segments to say they have not investigated or thought about insurance for their dog (54%) or cat (34%).

One third of dogs arrive in their new households at no cost. Three in ten dogs were acquired for free (30%), while the estimated average price paid was $548 – with 16% costing less than $200 and 9% costing more than $1,000. Both pure breed and designer breed dogs were more likely to have been purchased for $500 or more (40% and 44%, respectively).

The average price for pure breeds is estimated at $674, while for designer breeds it is $658, and mixed breeds $306. Those who obtained a dog for free are more likely to be renting (38%) or living in rural areas (37%).

Owners who tended to have paid more for their dogs included Generation X (aged 30–49, spending $622 on average), those with university qualifications ($599), those living in households with combined incomes of more than $100,000 ($681), those with children under the age of 13 years ($680) or those living in urban areas ($673).

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