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Pet Plan Shopping In Australia: What You Need To Know


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A pet plan is a wonderful way to protect your beloved fur baby and your finances. With the right insurance specialist by your side, it needn’t break the bank. Read on to uncover tips for finding the best deal on pet insurance.

It’s obvious that Australians love their pets. We share our homes with over 5.1 million dogs and 3.8 million cats, according to the 2019 Animal Medicine Australia Pet Survey Report. That’s a whole lot of four-legged family members!

Yet despite our affection for furry friends, lots of pets in Australia are not covered by pet insurance. One of the main reasons people avoid pet insurance because they think it’s too expensive, and because they’re confused about what’s covered.

But that’s not the case if you go with the right insurance provider (hint hint). We bust these, and more, pet insurance myths here.

Importantly, know that it doesn’t pay to dawdle when making a decision on insurance. You’ll want to get in before medical conditions start emerging – a pet plan won’t cover ‘pre-existing conditions’.

Aussies worry about the health of their pets

Despite how few pet owners are covered with a pet plan, Australians do worry about the health of their pets. Our research discovered the main pet health concerns that cause Aussies to lose sleep.

Top 5 pet health concerns for Australians

  1. Eating something they shouldn’t and getting sick
  2. Arthritis in dogs and cats
  3. Tick bite (here’s how to remove a tick properly)
  4. Bite injury from another animal
  5. Breaking a bone

Each of these concerns can be treated by a vet, and that treatment can be covered by a pet plan. With pet insurance available for less than a $1 a day, why aren’t more people getting insured?

Do I need pet insurance?

Anyone who’s ever owned a pet needing medical attention will tell you that vet bills can be expensive. Sometimes eye wateringly so. Having to say goodbye to your pet because you can’t afford the vet bill is a heartbreaking position too many pet owners experience.

So just how much can vet bills be? According to this research you can expect to pay somewhere in the vicinity of the following:


  1. Cat Bite Abscess (CBA) – approx. $200 – $1200 (avg $620)
  2. Bite Injury – approx. $300 – $900 (avg $580)
  3. Wound Laceration – approx. $300 – $1,500 (avg $680)
  4. Abscess other – approx. $200 – $1200 (avg $680)
  5. Desexing – approx. $50 – $750 (avg $350)


  1. Cruciate Ligament Rupture – approx. $300 – $8,000 (avg $3,000)
  2. Lump Removal or Biopsy – approx. $100 – $4,000 (avg $780)
  3. Wound – Laceration – approx. $100 – $3,000 (avg $770)
  4. Desexing – approx. $100 – $2,000 (avg $550)
  5. Lipoma – approx. $100 – $4,000 (avg $800)

For many people, these costs are simply unaffordable. Yet if they’ve been paying for a pet plan all they need to pay is an excess, just like you would if you had comprehensive car insurance and needed your car fixed after an accident. When you’re insured, there’s no need to go back and forth over a decision on medical care for your mate.

Here’s some more advice if you’re still wondering if you really need pet insurance.

woman holding terrier dog over her right shoulder

What makes a great pet plan?

So, you’ve decided it’s time to take out a pet insurance policy to protect your furred loved one. But where do you start, and who offers the best pet insurance?

Here are five things to look for in a top-notch pet plan.


A top reason people avoid pet insurance is because they’re confused about what’s covered and what isn’t. Policies are often long and full of frustrating insurance jargon that puts people off – or puts them to sleep!

PD Insurance is different. Our member service philosophy is ‘Simplicity’. We spell out our pet plans in plain English, minus the jargon. That means you know exactly what you’re paying for: no-nonsense, high-quality insurance that cuts the confusion.

And when making a claim on your pet plan, the process is simple. Our 24/7 online claims portal is fuss-free and quick, so you can concentrate on what matters – caring for your pet. Plus, we aim to reimburse you within two business days of you sending us your documentation. We understand no one wants to wait weeks to get their vet treatment payment back!


The main concern cited by Aussies who don’t have pet insurance is affordability. And it’s true, historically pet insurance has been unaffordable for many pet parents.

But PD Insurance aims to disrupt that idea. We think it’s unacceptable that such a large number of Australians have previously been unable to afford pet insurance nor vet bills. That’s why we offer pet plans starting from as little as a coffee a week – depending on the type and age of your animal, of course.

To top it off, if you sign up online PD Insurance will give you one or more months of free insurance. We’re just that kind of pet lover!


Let’s be honest, no one likes being locked into a contract where they have to hand over cash each month whether they like it or not. What is this, 2002?

PD Insurance does things differently. We know your circumstances can change, and that what was affordable last month mightn’t be this month. Our month-to-month payment model provides our members with the ultimate in flexibility.

You can upgrade or downgrade your member policy whenever you like, or even cancel it without penalty. We put you, your family and your super cute pet first.

Just remember that waiting periods do apply, as they do for any pet insurer.

4.Clear pet plan options

When it comes to taking out a pet plan, your options for cover should be clearly laid out from the get-go. At PD Insurance, we keep it simple with three tiers of coverage for both our cat insurance and dog insurance plans*:

  • Accident Plan: Covering the basics, including accident and third-party liability benefits. Defined benefit limit of $5,000.
  • Classic Plan: Covering the basics as well as illness and accidents. Defined benefit limit of $10,000.
  • Deluxe Plan: Covering the basics as well as illness, accidents and dental. Defined benefit limit of $15,000.
wet vs dry cat food; cat tries both

5.Speed of claim repayments

Because pet insurance works by reimbursing customers, the speed at which that happens when you make a claim is vital.

PD Insurance is its own underwriter, which means we turn claims around fast. Within two business days, in fact. It’s all part of our philosophy to provide a ‘Soft Landing’ for our members when things get tough. We process claims, make fair decisions and reimburse you quickly, taking as much pain out of the process as possible. 

Time to take out a pet plan for your fur baby?

Now you know the benefits of pet insurance and what to look for in a pet plan, let us get you started with a quote – click the button below.

Like everything we do, our quote process is simple and quick. And don’t forget, at the moment you can get your first month free if you buy online.

When should you get insurance for dogs and cats? Now! Before those pre-existing conditions kick in…

*sub-limits apply

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