How much is pet insurance in Australia?




The cost of pet insurance typically ranges from around $20 to $60 per month for dogs and $10 to $30 per month for cats. However, these figures can vary widely, and it's crucial to explore different plans to find the best fit for your pet's needs and budget.

Several factors influence the cost of pet insurance:

  1. Type of Coverage:

    • Basic coverage typically includes accidents and injuries.
    • Comprehensive coverage may also include illness, routine care, and additional benefits.

  2. Breed of the Pet:

    • Certain breeds are prone to specific health issues, and insurance for these breeds may be more expensive.

  3. Age of the Pet:

    • Younger pets usually have lower premiums compared to older pets.
    • Some insurers may increase premiums as the pet ages.

  4. Deductibles and Limits:

    • Higher deductibles and lower coverage limits can result in lower premiums, but it may mean more out-of-pocket expenses for individual claims.

  5. Insurance Provider:

    • Different insurance companies offer various plans and pricing structures.
    • It's essential to compare quotes from multiple providers to find the best value.

  6. Geographic Location:

    • The cost of living in different regions of Australia can influence the overall pet insurance price.

  7. Pre-existing Conditions:

    • Pre-existing conditions may not be covered, and coverage for chronic illnesses may be limited.

  8. Optional Add-ons:

    • Some insurers offer optional add-ons for specific coverage, such as dental care or behavioural therapy.

To get an accurate quote for pet insurance in Australia in 2024, it is advisable to directly contact reputable insurance providers, discuss your pet's specific needs, and compare policies. Online tools and platforms can assist in obtaining quotes and comparing coverage options.


In summary, the cost of pet insurance in Australia varies based on multiple factors, and pet owners should carefully assess their pet's requirements and budget constraints before selecting a policy. Regularly reviewing and updating the policy to accommodate pet health and needs changes is also recommended.