dog in circle

Dog-lighter dog insurance

Features and benefits

Dog insurance is a great way for pets to receive the care they deserve if an accident or illness requires emergency care.

After working with the Australian Veterinary Profession (AVA) and vets across Australia for over 25 years, too often we’ve heard stories about pets not receiving the care they need due to large vet bills for emergency care. And that’s why we’ve worked together with the AVA to build the only vet endorsed dog insurance in Australia for your pet.

Our policies are loaded with the flexibility to help you choose the combination that’s best for your dog. See how you can customise your policy by choosing your level of cover, excess when making a claim and even add on dental cover below.


Your Policy Features

Cover for life

Benefit level options

Lifetime cover for your dog for the entire time they are insured with Vets Choice

After paying excess, you can choose between 80% or 100% back on claims to help you stay in financial control of your pets care


Third-party cover

Get pre-approval for scheduled procedures and treatments, avoiding surprises

Third-party liability cover standard for all Vets Choice dog insurance policies - Read more about third-party pet insurance

Give back to the community

Accident & illness cover

Every policy that’s sold contributes to a local animal shelter or animal charity

Cover for cancer, tick paralysis, bone breaks and fractures, and ACL injuries

No claims bonus

Multi-pet discount

Get rewarded for keeping your dog happy and healthy, with a no claims bonus

Receive a multi-pet discount when insuring all your pets with Vets Choice

Your choice of cover

With two levels of cover, and the option to add-on dental cover, you can choose to protect your dog in a way that suits you, and them.

About this product

When your dog is insured with Vets Choice, you can focus on the good moments like having fun with your pet while we protect the rest of the scary stuff.                           

Main illness covers


Cancer  More-info

An abnormal growth of tissue, neoplasia.

Ave. cost

About 10% of cases presented result or can be treated by surgery. Abdominal cancers could present as emergencies if previously undetected, costs range from $1,500 to $3,000. Treatment could be ongoing

Dog Cruciate Ligament Condition

Cruciate ligament condition  More-info

Ligaments connecting the femur (upper leg bone) to the tibia(lower leg bone). These can degenerate, or rupture from incidents or heavy use. Can be very painful and usually requires surgery.

Ave. cost

If operated on in a general practice the average cost of repair could be $3,500 if treated by a specialist this could increase to $5,000 per ACL*

Dog Cherry Eye

Cherry eye  More-info

"Cherry Eye" is a term for eversion of the third eyelid due to swelling and prolapse of the gland of the third eyelid. The third eyelid is often only seen as a small pink triangle-shaped aspect of the inner eye and plays an important role in the health, and vision, of the eye.

Ave. cost

Emergency surgery costs usually up to $1,200

Dog Non Diabetic Cataract

Non-diabetic cataracts  More-info

The opacity of the eye lens, congenital or acquired. This can cause impaired or loss of vision.

Ave. cost

Treatments costs usually from $3,000 to $4,500

Dog Invertebral Disc Disease

Intervertebral disc disease (IVDD)  More-info

Intervertebral discs are located between the vertebrae (bones of the spine), acting as shock absorbers during movement. IVDD occurs when the discs between these vertebrae begin to degenerate; a disc bulges (protrudes) or herniates (bursts), causing compression of the neurological tissue at the site.

Ave. cost

Treatments and removal usually between $5,000 to $7,000

Dog Lumps, Growths and Cysts Removal

Lumps, growths & cyst

Ave. cost

Treatments and removal usually between $500 to $2,000

Hip Displacia

Hip dysplasia including hip

A condition of the hip joint(s) of dogs, particularly large and giant breed dogs, where a complex of developmental abnormalities of the bones that make up the hip joint result in lameness and later arthritis of the hip.

Ave. cost

Surgery costs usually between $5,000 - $7,000

Dog Urinary Tract Infections

Urinary tract infections, diseases and

There are various problems that can arrive affecting the urinary system. Bacterial infections, bladder stones or crystals in the urine, incontinence, trauma or even obstruction of the urethra, which is the tube that allows urine to pass from the bladder out of the body.

Ave. cost

Investigation costs usually between $500 to $700. Removal of bladder stones can cost between $5,000 to $8,000

    Our policies are there to help your dog receive the treatment they deserve. Included in our Pro and Elite policy are specified accident covers for those unforeseen events. 

    Main accident covers

    Dog Bone Fracture

    Bone fractures

    Ave. cost

    Treatment costs can be up to $5,000+

    Dog Heat Stroke

    Heat stroke  More-info

    A clinical syndrome of multiple organ dysfunction caused by the elevation of body temperature above physiologically acceptable levels. This may be due to one or a combination of the production of excessive heat, exposure to excessive ambient temperatures, or failure to lose heat. Heat stroke is life-threatening.

    Ave. cost

    Treatment costs usually up to $1,500

    Tick Paralysis

    Tick paralysis  More-info

    The neurotoxin of the paralysis tick causes a progressive flaccid paralysis (a weakness that progresses to paralysis).

    Ave. cost

    Treatment costs vary greatly in relation to extent of paralysis and time frame presented to vet. Costs range from $500 to $20,000+*

    Snake Bite Toxicity

    Snake bite toxicity  More-info

    Snake venom can include toxicants to the neurological system, the coagulation system and the muscles. Other organ systems can also be affected due to downstream effects of the toxins.

    Ave. cost

    Treatment costs can be from $3,000 to $8,000 where hospitalisation is required in addition to anti venom

    Dog Ingestion of a Foreign Object

    Ingestion of a foreign

    Large or irregularly shaped objects may get stuck in the through or in the digestive system and result in your dog needing emergency veterinary attention.

    Ave. cost

    Treatment usually from $2,500 to $5,000

    Dog Embedded Grass Seed

    An embedded grass

    Occurs when the serrated awns of a grass seed head penetrate into the skin and body tissues. This typically results in a tracking infection or abscess.

    Ave. cost

    Treatment costs usually up to $1,500 if surgery required

    Anaphylactic Shock

    Anaphylactic shock  More-info

    Acute onset of unusual or exaggerated allergic reaction of an animal to a foreign protein or other substance. Acute onset hypersensitivity reactions can be life-threatening, involving one or more organ systems.

    Ave. cost

    Treatment costs usually up to $2,000 for severe cases

    Dog Torn Nail

    Torn nail  More-info

    The breaking or tearing off of a nail can be very painful for a pet and there is a of risk infection if not treated appropriately.

    Ave. cost

    Treatment costs usually from $500 to $800

The Elite level of cover includes all Pro covers as well as the covers listed below


Arthritis  More-info
Investigation & diagnosis and Treatment

A degenerative joint disease, otherwise known as arthritis, is inflammation of the joints. When arthritis occurs, the cartilage lining of the joint wears down, resulting in inflammation, swelling and pain.


Diabetes  More-info
Investigation & diagnosis and Treatment

Occurs when the pancreas (gland near stomach) fails to regulate blood glucose levels.


Epilepsy  More-info
Investigation & diagnosis and Treatment

Recurrent seizures presenting as involuntary muscle movement due to a temporary disturbance of normal brain function. 

Ear Condition Dog

Ear Conditions  More-info
Investigation & diagnosis and Treatment

Ear infections are a common pet health problem, and they can be caused by allergies, yeast, ear mites, bacteria, hair growth deep in the ear canal, and more. 


    Gastro Intestinal

    GI Conditions  More-info
    Investigation & diagnosis and Treatment

    Gastrointestinal (GI) disorders and diseases affect a pet's stomach and intestines, resulting in pain and other problems. 

    Heart Condition

    Heart Conditions  More-info
    Investigation & diagnosis and Treatment

    Any condition of the heart or blood vessels that disrupts the normal function of the heart to deliver blood to the body. Heart conditions can be congenital (i.e. present from birth) or acquired (i.e. occur later in life). 

    Skin Condition Dog

    Skin Conditions  More-info
    Investigation & diagnosis and Treatment

    Pets can suffer from a variety of skin conditions, causing pain, itching and inflammation. Depending on your pet's breed, age, and a number of genetic factors, you may find they are prone to certain skin conditions.


    All other illnesses  More-info

    Any changes to Your Pet's normal state of health that results in a condition requiring Treatment, independent of any Pre-existing conditions or Exclusions as specified in the policy wordings. 




Accident and Illness

Cover for treatment of dental injuries and illnesses such as gingivitis, abscesses, restoration or removal of teeth due to fracture, cavities, or dental disease from infection.

    Dental Plus

    Dental Plus

    Routine Care

    Dental Plus covers all the basics such as dental check-ups, teeth clean and polish and certain preventative items such as dental diets, chews and treats, sprays and gels, and toothbrushes (where accepted by the Veterinary Oral Health Council)

Information on preventable illnesses & conditions coverage guarantee

Find out more

Information on pre-existing conditions

Find out more

Hear from our customers

“I’ve never had such a good experience with an insurance company. Such a good experience during such a difficult time”.  – Sandra, owner of Ide in NSW. 


Frequently Asked Questions

Vets Choice currently only provides cover for cats and dogs.

Dogs and cats between the ages of 8 weeks and 8 years. With guaranteed lifetime cover for pets as long you join before they reach their 9th birthday and the policy remains active.

Your vet will be able to provide you with an estimate of age after a physical examination, which will be accepted by Vets Choice as your pets age, we don’t need your pets date of birth, just how old they are in years.

Yes, we offer a discount where there is more than one pet listed on a policy.

We will treat most hereditary and congenital defects for your pet if you or your vet were not aware of, or could not reasonably have known of, at the time of your cover commencing under this policy. Exclusions are listed here.

No. Medical records are not required at the time of taking our pet insurance. You will however be required to provide your pets medical history to support a claim.

No. Pre-existing conditions and waiting periods apply. These are listed here.

This is an accident and specified illness policy and was specifically designed to keep the cost of pet insurance down for pet owners. As such routine care, vaccinations and check-ups etc. are not covered. For more details about what is and isn’t covered by this policy check here.

Yes. For scheduled procedures, it is possible at our discretion to arrange for the claim to be pre-approved. You will need to provide a detailed quote from your vet. This means that you pay your excess only, and we will settle the bill with your vet for costs covered by the policy up to the amount quoted by the vet. We will work with you throughout to assist and provide guidance.

Vets choice provide two options of coverage across our pet insurance product suite for benefit level of 80% coverage and 100% coverage. Respectively we would cover 80%, or 100%, of eligible costs covered by this policy, less your nominated excess (chosen at purchase) up to the agreed limit (this is the annual limit aligned to the policy chosen), either policy aggregate or sub-limit if applied (some accident, illness, and dental covers have limits that are paid only up to a certain amount as indicated on our product comparison tables and PDSs).