🐾 Pet Insurance Quiz

Find the right pet insurance.
Without the commission bias.

85% of Australian pet insurance is underwritten by one company. Most comparison sites are paid by the insurers they list. We're not.

⚠ Market reality

PetSure underwrites Woolworths, RSPCA, Bupa, HCF, Medibank, Petbarn, Budget Direct, and 15+ other brands. In 2023, ASIC issued stop orders against several of these for selling policies to consumers unlikely to receive meaningful coverage. We'll tell you what the comparison sites won't.

What type of pet do you need to cover?

Insurance products and premiums vary significantly by species.

Dog

Cat

Other

Rabbit, bird, etc.

Please select your pet type to continue.

What is your pet's breed?

Breed is the single biggest driver of premiums and exclusions. French Bulldogs, Golden Retrievers, and Dachshunds face very different insurance markets. Be specific.

Please enter your pet's breed to continue.

How old is your pet?

Age affects premiums, policy availability, and urgency. Most insurers won't accept new policies for pets over 8-9 years old.

Under 1 year

Puppy or kitten — lowest premiums, best time to start cover

1 to 3 years

4 to 6 years

7 to 9 years

Senior pet — approaching age cutoffs for new policies at some insurers

10 years or older

Many insurers won't take new senior pet policies — options are limited

Please select your pet's age to continue.

Which state or territory do you live in?

Tick paralysis is a serious (and expensive) risk in coastal QLD, NSW, and VIC. This changes what you must check in the PDS.

Please select your state to continue.

Does your pet currently have insurance?

This affects what options you have and whether switching makes sense.

No — never had insurance

Yes — and I'm considering switching

Be aware: switching means new waiting periods and pre-existing conditions may be re-evaluated

Yes — reviewing my current policy

Previously insured — cover has lapsed

Any conditions that developed during the gap may now be pre-existing exclusions

Please select an option to continue.

Any known health conditions or past vet treatments?

Be honest — this is the most important question. Anything diagnosed or treated before the policy starts will likely be excluded. Non-disclosure can void your entire policy at claim time.

If none, write 'No known conditions'. This information helps us give you accurate advice about what will and won't be covered.

What are your main concerns?

Select all that apply — this shapes what cover level you actually need.

Emergency surgery or accidental injury

Cancer treatment

Especially relevant for Golden Retrievers, Boxers, and large breeds

Orthopaedic / joint surgery

Cruciate ligament, hip dysplasia, elbow dysplasia — $6,000-15,000 per procedure

Tick paralysis treatment

Chronic or ongoing illness

Diabetes, Addison's, heart disease, allergies — long-term medication costs

Breed-specific hereditary conditions

BOAS in bulldogs, heart disease in CKCSs, spinal issues in Dachshunds, etc.

Specialist or referral treatment

Cardiologist, ophthalmologist, oncologist, neurologist

General peace of mind for unexpected bills

How important is routine care cover to you?

Routine care adds vaccinations, flea/worm treatment, dental cleans, and heartworm tests — but it costs ~$200-400/year extra. Whether it's worth it depends on whether you actually use those services.

Very important — I want routine costs covered

Vaccinations, flea/worm, dental cleans, heartworm tests

Somewhat — nice to have but not essential

Not important — I just want hospital / illness cover

Not sure — help me decide

Please select an option to continue.

What's your annual budget, and why are you getting insurance?

Your budget determines which cover type is realistic. Your motivation shapes whether you need comprehensive protection or targeted cover.

Annual budget for pet insurance:

Under $600 per year

Accident-only territory for most breeds

$600 to $1,200 per year

Accident + illness for lower-risk breeds

$1,200 to $2,500 per year

Good accident + illness or comprehensive for medium-risk breeds

Over $2,500 per year

Premium cover or high-risk breed territory

Please select your budget to continue.

Primary reason for getting insurance:

Financial protection against unexpected vet bills

Peace of mind in an emergency

I never want money to be the reason I can't get my pet the care it needs

Covering known breed-specific risks

I want comprehensive cover for everything

Please select your primary reason to continue.

Find the right pet insurance.Without the commission bias.