It’s the finding of the Australian Veterinary Association that in Australia 26% of whatever you spend on your dog is spent on its health. For a cat, this amount is 20%. It is equivalent to an amount between $250 and $750 per year, based on the type of animal. Also, upon the occurrence of an unexpected injury or illness, this expense can run into four figures. Experts at Top10PetInsurance.com.au, a company that lets you compare pet insurance in Australia, share here tips on how to make this cost affordable to you with pet insurance.
Before you can start evaluating particular insurance policies, it’s better to decide which type of pet insurance will suit you and your pet the best. Here are the different types.
If your dog is over-enthusiastic and/or your cat is in the habit of climbing beyond its capability, they are prone to accidents and you should buy accident-only insurance for them to face unexpected mishaps. It helps you in bearing the veterinary costs if your pet is injured because of an accident.
This is rather comprehensive coverage than accident-only because it covers the cost of accidents as well as illnesses. Common illnesses covered by this insurance are:
This is the most comprehensive type of insurance because it covers almost everything about the health of the animals. The routine treatment mentioned here may include:
Some other points to consider are common conditions and exclusions like:
Pre-existing Medical Conditions: A pre-existing condition is usually excluded from the insurance coverage. Even if the condition is not diagnosed at the time of cover but symptoms have occurred earlier, it can trigger exclusion. So, it’s better to get your pet fully checked before starting the coverage.
Age: Some pet insurance policies don’t accept your application after your pet reaches a particular age (usually 9 years). Even if you have bought a policy before this age which has lapsed, you cannot restart it once the pet attains this age.
Up-to-date Vaccination Schedule: If you miss your pet’s vaccination schedule, it can cancel your pet insurance. So, you must keep your pet’s vaccination up-to-date. If it gets caught with a disease that would have been prevented with vaccines, your insurance provider may refuse to pay out.
If you keep in mind these points, you can find just the right pet insurance for your furry family member and bear its health costs without a stress. Get full information on dog insurance in Australia and the best insurance comparison at Top10PetInsurance.com.au and you can take an informed decision.