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* Limits, waiting periods, exclusions and excesses may apply.
Is Pet Insurance worth it?
Dr. Harry: Everyday Pet Insurance for pet owners.
Pet Insurance | 3 minute read | 05 Feb 2025
Tossing up whether you need pet insurance? To put it this way, it helps protect your pet should they suffer an unexpected illness or accidental injury. Although it’s not mandatory to hold, here are some reasons why pet insurance can be important.
Why should I get pet insurance?
Pet insurance is there to provide ‘cover’ in the case of unexpected illness or accidents to your dog or cat. The cost of veterinary treatment is rising rapidly, in particular fees for after hours consultations. The costs of providing these services and running a 24 hour hospital have seen a massive increase, which can be passed onto the client. In general, costs nowadays have likely doubled over the last 10 years and not everyone has access to large amounts of money to pay these accounts when they arrive. That’s where pet insurance can help.
Everyday Pet Insurance offers a range of plans. Depending on the plan you choose, you can claim up to $5,000 - $30,000 per year#. It can help reduce your out of pocket expenses as you can claim up to 80% back on eligible vet bills*.
Everyday Pet Insurance also offers GapOnly® , allowing customers to claim on the spot and only pay the gap on eligible claims=.
Common vet costs.
It is really worth thinking about. If your dog is involved in a major accident and sustains injuries to one or both hind legs, surgery will likely be required to ensure good return to function. This is where the costs start to add up. Here is a rough breakdown on what costs would be involved if your dog injured their hind leg:
Initial consultation
Emergency first aid to stabilize the patient
Painkillers and/or temporary support for the limb
X-Rays and other scans required
Specialist surgeons
Vet fee
Anesthetists’s fee
The nurse
Operating theatre
Recovery time in hospital
I’m not game to put a figure on all that, but everyone has to be paid, and providing the best veterinary care is what the veterinary profession is all about. Depending on the plan you choose, pet insurance can help cover a range of vet expenses, helping you give your pet the care they deserve.
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# Policy Terms and Conditions, exclusions and limits apply. Benefit limit amounts vary by level of cover.
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= The gap is defined as the difference between the vet's invoice and the claim benefit under your policy. Policy terms and conditions apply. GapOnly® is only available at participating Vets. Please visit GapOnly® to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, AFSL 420183).
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Dr Harry Cooper (AR No.1000933) is an Authorised Representative of PetSure (Australia) Pty Ltd (AFSL 420183). Any advice provided by Dr Harry Cooper in relation to Everyday Pet Insurance is general only and does not take into account your individual objectives, financial situation or needs.
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Everyday Pet Insurance policies entered into for the first time prior to 17 July 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard), arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by Hollard’s Authorised Representative (AR) Woolworths Group Limited ABN 88 000 014 675, AR 245476 (Woolworths). Everyday Pet Insurance policies entered into for the first time on or after 17 July 2023 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Woolworths. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at insurance.everyday.com.au/pet-insurance.
