What is dog insurance?

Whenever your dog needs medical treatment, medication or veterinary care, there’s a cost involved. Without pet insurance, you’d have to pay all of the vet’s bills yourself, which may be challenging.
*iSelect's partnered with Choosi Pty Ltd to compare a range of pet insurers and policies. Not all policies are available at all times or in all areas.  Our advice on this website is general in nature and does not consider your situation or needs. Consider if any advice is appropriate for you before acting on it. Learn more.

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Dog insurance, also known as pet insurance, helps you cover the cost of an unexpected trip to the vet. It can give you peace of mind when your four-legged friend is sick or injured, and reduce some of the financial strain.

You can elect to be covered for accidental injury, illness, medical procedures and/or routine care. Many plans will cover up to 85% of the costs, to a maximum of $14,000 each year. In most cases, you’ll need to pay the vet up-front, before making a claim on your insurance policy.

Some providers let you bundle your pet insurance and home insurance policies, while others offer separate policies.

Does breed affect insurance premiums?

Certain dog breeds are at greater risk of hereditary illnesses and problems, which may or may not be covered by pet insurance.

While you’ll love your dog no matter what, some breeds are more prone to injuries or health conditions than others, which means they may need more trips to the vet. It can help to think about this when you’re searching for your new furry friend.

Did you know owners of Maltese terriers are almost four times more likely to make a claim for the vet than Kelpie owners, according to owners. Here are their top-claiming breeds:

  • Maltese cross.
  • Staffordshirebull terrier.
  • Golden retriever.
  • Cavoodle.
  • German shepherd.
  • Cavalier King Charles spaniel.
  • Border collie.
  • Staffordshirebull terrier cross.
  • Kelpie cross.

Prevention is better than cure when it comes to keeping your dog healthy. For instance, if your dog is prone to hip or shoulder displacement, avoid playing games where they will jump and twist. Also, try to keep your dog away from things that will make them sick – chocolate and snail pellets are two common offenders.

It’s best to talk to your provider about your pet specifically, and read the Product Disclosure Statements before making a final choice.

If you’re in the market for some pet insurance for your pup, check out our pet insurance policies here.