Pet insurance provides peace of mind that you’ll be in a good position to afford the veterinary care your pet may need if unexpected or ongoing costs suddenly arise.
In recent years, there have been significant advancements in the veterinary field which have allowed more treatment options including diagnostics such as CT scans and MRIs, keyhole surgeries and cataract removal.
At times you may feel veterinary fees are costly compared to similar treatments in human medicine; however veterinary medicine does not receive the heavy government subsidy that human medicine does in Australia. With pet insurance, you have a better opportunity to take advantage of these advanced diagnostic tools which may be cost-prohibitive otherwise.
We urge pet owners to carry out their own comparisons between the many providers. Your individual expectations and requirements will determine which pet insurance suits you best. Please be mindful of the premium vs benefit ratio and look into exactly what is covered as this varies greatly between providers.
Most policies can be tailored to suit your needs and even cover routine veterinary care such as vaccinations, if desired. It is also good to be aware of medical exclusion waiting periods which generally range from 10 to 30 days.
It is best to insure your pet when they are young and healthy, before any conditions arise ensuring that your pet does not have any pre-existing conditions that cannot be claimed.
Insurance generally gets more expensive as your pet ages and policies will generally not cover diseases preventable through vaccinations. This is why it is essential that you keep your pet’s vaccinations up to date.