Short answer? Accidents ONLY premiums for Cats typically cost $20, while dogs cost $24 per month. But premiums have been rising thanks to more animals thuging on people’s heartstrings. It’s estimated that about 3 in 5 homes in Australia now have pets. Besides that, there are a number of factors affect how much you pay per month for your fur-iends: including policy, age and breed. So how much is iSelect pet insurance in Australia? Your response to these questions will determine how much of your purse-strings you’ll need to loosen to pay monthly premiums. If you want to be able to claim back vet expenses.
How old is your pet?
The older your pet is, the higher its insurance cost. Most insurance policies are not valid for pets above a certain age (say 9 years). If you’re able to find a policy that keeps your old pet, it’ll be next to impossible to switch to another brand.
What breed is your pet?
Surfice to say that the more exotic your pet is, the more expensive your insurance premiums will become. In fact, most insurance policies have a list of “coverable” breeds, anything outside that list will be rejected or charged more, because they expect higher health risks.
What are you willing to pay for?
Policies are usually divided into accidents only (strictly for emergency cases), accidents and illness, and accidents, illness and preventive care (which takes care of routine vaccinations, deworming and everything else the other policies cover). The last is the most comprehensive, and most expensive.
Most companies offer specialty products, which are sort of customised policies – but they typically cost more. They’re worth checking out, especially if you have an odd pet (not a dog or cat).
When calculated, pet insurance that include illnesses can reach $40 to $60 monthly, while more exotic policies would cost more. Note that dogs almost always cost more than cats. While shopping for products, remember that the devil is in the detail. Find out if there are limitations (i.e. claims stop when your pet spends a certain amount) so you aren’t misled.…