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Pet insurance is popular in Australia and is very important for your pet. We recommend that you have your pet covered - insurance offers you peace of mind as it will cover some or all of the treatment costs if your pet gets involved in an accident or suffers an illness. There is no equivalent of Medicare for pets, so treatment costs can exceed out-of-pocket expenses for your pet.
Did you know that 24 hour emergency and critical care for animals can cost over $1,000 per day? Some surgeries such as repair of fractured bones or exploratory surgery can also add up to thousands of dollars and that is even before including recovery and aftercare treatment. It is a heartbreaking situation to have to choose between the health of your pet and financial constraints, so for peace of mind we strongly recommend that your pet is insured.
There are several companies that offer pet insurance and we recommend that you research thoroughly so that you understand completely which company and which policy will best suit you and the needs of your pet.
What does pet insurance cover?
Individual packages vary in the type of treatment covered, however, they usually include most accidents and illnesses. These policies can occur as separate entities or they may be combined.
You need to consider the differences between policies, in particular the claim excess amount, proportion of treatment costs covered, annual claim limit, age restrictions, pre-existing illness or condition exclusions and policy costs.
