Reviews

Seniors Pet Insurance Review

About Australian Seniors Pet Insurance

Australian Seniors agency was founded in 1998 with of the aim of providing affordable insurance the the 50 year old plus market.  They currently offer a range of insurance product such as home, life, car and pet insurance.

Seniors is also a supporter of all senior cards across Australia including Victoria, New South Wales, Queensland, Western Australia, Northern Territory, South Australia and Tasmania.

Pet owners over the age of 50 can also receive 10% off their premium.

Basic: Accident Only Cover

Seniors basic coverage offers only accidental coverage where you can sign up when your pet is 8 weeks old.  The annual benefit limit is up to $8,000 per year, eligible reimbursement is up to 80% and $0 excess.  Plans typically range from $30 dollars per month.

Standard: Essential Accident and Illness Cover

In addition to the basic cover, the standard plan includes illness coverage with an increase annual limit of $12,000 and eligible vet bill coverage decreases to 75%.  The standard cover typically starts from $52.

Comprehensive: Top Accident and Illness Cover

The comprehensive plan is is Seniors top level cover.  Plans typically start from $60.  The plan offers routine cover which includes worming, de-sexing and more.

 

Up to $12,000 in annual benefits for the top cover
No age limit on their basic plan so you could cover pets above 9 years old
multi pet discount of up to 10%
$10 donated to the Paws Pet Therary for every policy sold

Low annual benefit limit on the basic plan

 Accident OnlyEssential Accident + IllnessTop Accident and Illness
Age eligibility8 weeks and aboveMinimum aged 8 weeks to 9 years oldMinimum aged 8 weeks to 9 years old
Annual Benefit Limit$8,000$12,000$12,000
% Cover on eligible vet bills80%75%80%
Excess$0$0$0
Consultations and Visits$300 Annual Limit$300 Annual Limit$300 Annual Limit
Cover Accidental InjuryYes OptionYes OptionYes Option
Cover IllnessesNo OptionYes OptionYes Option
Routine Care CoverNo OptionNo OptionYes Option
Routine Care Cover Limit$0$150 worth of benefits$100 worth of benefits
Tick Paralysis - Annual BenefitNo OptionYes OptionYes Option
Emergency Boarding Fees - up to $20 per day$500$1,000$1,200
Lifetime Cover - Renewal GuaranteedYes OptionYes OptionYes Option
Cooling Off Period21 Days21 Days21 Days
Cancer TreatmentNo OptionYes OptionYes Option
Skin Conditions e.g. allergiesNo OptionYes OptionYes Option
After-hours emergency visitsYes OptionYes OptionYes Option
Specialist CareYes OptionYes OptionYes Option
Laboratory and diagnostic testsYes OptionYes OptionYes Option
HospitalisationYes OptionYes OptionYes Option
RadiologyYes OptionYes OptionYes Option
Medicines & drugsYes OptionYes OptionYes Option
SurgeryYes OptionYes OptionYes Option
Cruciate Ligament Conditions$2,600 Annual Limit$2,600 Annual Limit$2,600 Annual Limit
Hereditary and congenital conditionsNo OptionYes OptionYes Option
VaccinationsNo OptionNo Option$50
DesexingNo OptionNo Option$50
Overseas Pet Travel InsuranceYes OptionYes OptionYes Option
Dental CoverageNo OptionYes OptionYes Option
Waiting period for illness conditionsNo waiting period for Accidental Cover30 Days for illness condition30 Days for illness condition
Waiting period for cruciate6 months6 months6 months
Special OffersN/AN/AN/A
Multi-Pet DiscountYes OptionYes OptionYes Option

Like any insurance policy, there are exclusions which you must carefully read through. Product Disclosure Statement here.

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