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Is Pet Insurance Worth It?


Okay, now I know how this sounds, pet insurance for Christmas? But they can’t unwrap that! But if you think about, it is the gift that could really change your pets life. A toy might last a few weeks (or seconds in my household) but insurance will be there when you need it the most.

We all consider our pets as part of the family. Whilst most of us have insurance for ourselves, our homes, our cars and even our incomes, it’s easy to forget our pets until the time comes when you need it the most.Pet

Pet healthcare and medical or surgical treatments have come a long way over the years and many are now on par with what people receive. Great news for our pets, but it can leave our wallets in a state of shock! After all, there is no Medicare or safety net when it comes to our pet. If there is a bill it needs to be paid. BUT there is pet insurance. For the peace of mind when the time may come you need it, insurance really is the best present your pet could ask for.


Why have pet insurance?

What pet insurance can provide:

  • Up to 85% of vet’s bills covered, with no excess
  • Opens up a range of previously unaffordable treatment options
  • Assurance that your pet will get the best possible care
  • Some can provide savings on annual preventative treatments (fleas, ticks, heartworm)
  • Peace of mind if away on holidays
  • The knowledge you will never have to choose between money and the life of your pet


Breaking the bank

The most costly veterinary procedures costing more than $2000

  • Emergency care after being hit by a car
  • Snakebite treatment
  • Dental surgery
  • Knee surgery (cruciate ligament)
  • Eye surgery for cataract removal
  • Fractured leg repair
  • Spinal Surgery (bulging disc)


What should you look for in a pet insurance company?

Think exactly the same way as if you’re buying private health insurance for yourself. Don’t rush your decision and make sure you read the cover and fine print carefully. Ask as many questions as needed to make an informed decision. Other things include:

  • Monthly premium cost
  • Type of cover provided (accident, illness, comprehensive, comprehensive plus)
  • Annual limits on claims
  • Excess limits
  • Are there any exclusions
  • What extras are included (e.g. boarding fees, flea prevention, heartworm control, teeth cleaning)
  • The age limit for joining. Insurance companies realise that old pets get more problems. That’s why most companies won’t insure pets over the age of 8 or 9.


Pet insurance is almost a ‘must’ for:

  • Pure-breeds such as Basset Hounds, Boxers, Dalmatian, Great Danes, Keeshond, Newfoundland, Pug, Samoyed, Weimaraner, French Bulldogs and Bengal Cats, Persians, Sphynx and Maine Coon cats
  • Big pets. The larger your pet, the larger your vet bill
  • Accident prone pets
  • “Sensitive” pets
  • Pets owned by people that spend a lot of time away
  • People that would be financially restricted if a major catastrophe was to occur

It is estimated that as many as 6000 pets that could otherwise be saved are put down each year because their owners simply can’t pay the fees and almost 10 percent of all patients treatments are discontinued because of a lack of money. Don’t let your pet become a statistic!


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Pets Health is a full service animal hospital with clinics located in Hilton and O’Halloran Hill. We are dedicated to helping you keep your best mate happy and healthy through each stage of their life with compassionate and reassuring veterinary care.

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O’Halloran Hill Vet Centre

123 Main South Road
O’Halloran Hill, SA 5158

Hilton Vet Centre

142 Sir Donald Bradman Drive
Hilton, SA 5033