Do you NEED Pet Insurance? Monday 10 August 2015 @ 13:16

Nadia Crighton from Pet Insurance Australia takes a look at the advantages of complete cover for your furry friend.

To insure or not to insure, that is the question? The fact is many of us don’t have adequate insurance for ourselves, and sadly, most never consider pet insurance until that giant vet bill surfaces after an already emotional event.

Sometimes it’s enough to send shivers down anyone’s spine, particularly when Rover just cost over $3000 (believe me…I’ve been there!).

Dog at the Vet.It’s certainly no secret that the cost of veterinary care has increased over the past 10 years. Plus the treatment options now available to our beloved pets also mimics that which we are offered in the human world. Diseases and conditions that were once untreatable to our hounds and felines are now readily accessible. The veterinary specialist field has skyrocketed around the globe allowing our pet’s access to a massive range of impressive procedures such as prosthetic limbs and leading cancer treatments.

It is really remarkable how far this field has come. But with progress comes cost.

Being faced with an unplanned bill of thousands of dollars, during a very stressful time, is something many pet loving families have experienced first hand. Some families simply cannot afford the procedures their pet’s needs to lead a healthy, pain-free life. In some cases, owners have had no other option but to heartbreakingly euthanize their beloved pet.

It’s a 50-50. You can leave it to chance and hope you have the money when you need it most. Or you can budget and ensure that you pet will be taken care of during an emergency situation. In a time and age when ‘saving for a rainy day’ seems harder and harder, being prepared is peace-of-mind, particularly at a time when the health of your pet (and not your bank-balance) is at the forefront of your mind.

After experiencing a snapped cruciate ligament, when my Dobermann discovered she couldn’t climb trees ($3000+) or the allergic reaction to a bug bite that had our Siamese exhibiting symptoms of poising ($1500+), left my bank-manger rubbing his hands while the massive hole burnt its way though my youthful wallet.

Dejectedly; pet Insurance wasn’t an option, leaving us with massive interest rates on quick loans. The unfortunate fact is, if we were faced with these types of bills now, with a mortgage and four kids …the options facing us would be terrifyingly tragic. Luckily pet insurance is now readily available and more importantly…affordable.

General Benefits

Pet insurance is invaluable during these times, but what about everything else? Owning a dog or cat has the general yearly costs…can having pet insurance help with the day-to-day cost of owning a pet?

The answer is yes. There are policies that give yearly allowances for all the preventative measures to help you keep your pet in good shape. In the Routine Care option from Pet Insurance Australia (PIA), pet insurance also assist towards:

  • Dr DogVaccinations
  • Micro-chipping
  • Heart worm control
  • Dew claw removal
  • Prescription diets
  • Dog training (at recognised training centres)
  • Teeth cleaning
  • Council registration fees
  • Alternative therapies
  • Cremation / burial

Also consider insuring your puppy or kitten when your pet reaches the age of eight weeks. This will allow you to have full cover, right from the onset of pet ownership.

Choosing the RIGHT insurer

The most important thing about insurance is to read, and re-read the fine-print and the policy details. Be 100% clear on what you are, and what you are not covered for before you take out the policy. Other tips?

  • Become familiar with the ‘pre-existing conditions’ and what this actually means.
  • Read Product Disclosure Statement available on before making a decision to purchase PIA policy to ensure it is appropriate for your needs. Customer service is so important. Do you homework and check your insurer is good with their service.
  • Choose an insurer that has the best policies for your needs.
  • Ease of use. Pet Insurance Australia allows clients to claim and change details online through a pet-portal. Technology like this makes it easy and fuss free to make claims.
  • Star ratings, testimonials. Who is your pet insurance provider? How do they rank in terms of performance? Do your homework and ensure you are not just another number.
  • Reputation in the industry. Is your insurance company active in the pet industry or is it purely about money? Make an educated choice.
  • Word of mouth. Ask around. Look at Facebook accounts, websites etc.

Become informed and make the right choice, the first time.


Nadia Crighton is a well-known and accomplished Australian Journalist and pet magazine Editor. As a busy mum of four humans, two dogs, 50 sheep, three cats, a handful of chickens and a goat named Billy, she simply adores pets of all shapes and sizes.