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Pet insurance comparison

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Last updated: 07 April 2020


Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE.

We've compared 86 pet insurance policies. Pet insurance can have many restrictions but might be useful in some scenarios. Here's how to compare pet insurance policies:

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We've compared pet insurance policies offered by Bupa, Petplan, RSPCA, RACQ and more. Policies range from basic accident-only cover to comprehensive policies offering cover for accident, illness and preventative healthcare.

Unlike the for-profit comparison websites, we don't get paid by any of the insurers we're comparing.

Our comparison report will help you:

  • decide which insurance is right for you and your pet
  • check how much of the vet bill an insurer will pay
  • check what excess payment options each policy has
  • check which policies have the highest annual benefits and biggest range of features

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List of brands we tested in this review.

    enter value/s in increments of 1 between 0 and 0



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      There are four types of cover:

      Accident cover: for example for broken bones, spider and snake bites. 

      Special events: accidental injuries and some major illnesses.

      Illness only: cancer and other illnesses.

      Accident and illness Most comprehensive includes accidental injuries, cancer and other illnesses.  

        Cat price comparison

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        The fewer the $ signs, the cheaper the policy premium based on the quotes we collected.

          Dog price comparison

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          The fewer the $ signs, the cheaper the policy premium based on the quotes we collected.

            Included in this comparison

            Members-only access
            • brand
            • Policy
            • Policy type
            • Covered
            • Dog price comparison
            • Cat price comparison
            • Comments
            • Minimum age to get cover
            • Maximum age for new cover
            • Lower benefit for older pets
            • Excess options
            • Benefit percentage paid
            • Dogs annual maximum
            • Cats annual maximum
            • Pre-exist conditions
            • Hereditary conditions
            • Chronic conditions
            • Bilateral condition
            • Can insurer reject renewal
            • Limit for vet consultations
            • Tick paralysis covered
            • Limit for tick
            • Limit for cruciate ligament
            • Limit for skin conditions
            • Limit for alternative therapies
            • Liability cover
            • Theft cover
            • Vehicle accident covered
            • Swallow covered
            • Limit on recurring swallowing
            • Burns covered
            • Electrocution covered
            • Snake bites covered
            • Allergies covered
            • Broken bones covered
            • Luxations covered
            • Parasites covered
            • Routine care covered
            • Euthanasia vet fees covered
            • Euthanasia pet value covered
            • underwriter
            • phone
            • website


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