Pets need coverage too!

Pet insurance – Do you need it?

Why does my pet need insurance?

Pet insurance is a safety net to help protect you against unexpected costs related to your pet. The most obvious reason to have insurance on your cat or dog is to cover veterinary bills. However, it can seem like an unnecessary expense. 

So how much will it cost, what should a good policy include, how to get the best pet insurance deal and what are the alternatives? 

Cover expensive and unexpected vet bills

Pet insurance may cover a wide range of veterinary treatments, but prior authorization is a must, in order to fully understand exactly what can & can't claimed for, how much you’ll get and for how long.


Examples of treatments may be covered include (Plan & company specific):


  • General vet cost, including a range of treatments for accidents, injuries & or illnesses.
  • Hereditary & congenital conditions: health problems associated with  inherited characteristics, or have existed since birth. Generally, these are not classified as existing or ongoing conditions. However, you’ll need to make sure the cover is ‘unrestricted’ rather than only under certain or specific circumstances
  • Long-term and ongoing conditions: normally only be covered if you have a lifetime policy. 
  • Dental care-covered on some pet insurance policies, but not all. May cover only dental care required due to accident, illness or injury, but not for cosmetic work.
  • Alternative treatments: such as homeopathy, acupuncture and physiotherapy, can be covered through your pet insurance if recommended by a vet.
  • Breeding risks or costs: related to pregnancy are not always included. 
  • Make sure, if the pet may be used for breeding, confirm coverage.
  • Spaying or neutering your pet will normally result in an insurance premium reduction.