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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.

PLEASE NOTE: This review is now out of date. We'll be updating it with our latest data and findings by the end of November 2021.

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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