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Dog-lighter Dog Insurance

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.


Why choose Vets Choice pet insurance for my dog

Designed by vets

Most pet insurance in Australia is the same with different branding, our pet insurance is designed with the help of hundreds of vets and is completely underwritten in-house.

Flexible options

We have two main policy types to cover the major events like accidents and injuries but we also have additional options like added dental and dental routine care, or extra cruciate ligament so you can choose what's best for your pet. 

Cover for life

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

Third-party cover

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

 

Discover the perfect coverage for you and your dog

1. Pre-existing conditions are excluded. Exclusions, limits and sub-limits may apply.

 

 

Want to compare dog insurance?

Knowing what dog insurance is right for you and your pet can be difficult. There are a lot of things to consider. Like the choice of excess, and what excess even means... Does the policy cover everything like cancer, and dental? 
We answer some of these questions to help you when you're comparing more than just price.

Visit our pet insurance comparison

Vets Choice AVA and Guild Insurance Logos

About Vets Choice

Since the beginning, Vets Choice was developed with the AVA to ensure pet owners have access to pet insurance that’s created by vets for pets. Every aspect of our policies are informed and shaped by the input of hundreds of Australian vets, to make sure our policies cover the accidents and illnesses that real pets face.

Read more about Vets Choice

 

Dog breed information

Even though dogs all originated from the same genealogy after thousands of years of evolution, they have become very different among the breeds. We have information on over 200 dog breeds including physical features, psychological traits, health information and their ability to be trained.

View over 200 dog breed pages

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Insuring your adopted pet

Choosing to adopt a pet is a big decision, one that will change not only your life, but that of the animal that you choose. By adopting, you’re giving an animal a new chance at a happy and healthy life, with a family that loves them. Endorsed by the Australian Veterinary Association (AVA) and partnered with the Lort Smith Animal Hospital, Vets Choice insurance for pets wants to ensure that your life with your rescue animal is safe and happy. That’s why we want to make sure your adopted pet is covered too, keeping them protected now and in the future.

What Information We Need

Age and Breed
Vet History

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What conditions won't be covered

Waiting Periods
Pre-Existing Medical Conditions

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Hear from our customers

Pet insurance is one of those things you pay for but do not want to use. But when you do have to use it you want to make sure it's the right one. Hear from some of our customers who now know they chose sensibly with Vets Choice.

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Ide the Cavoodle

“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. 

 

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Vegas

"Ella from Vets Choice was super helpful; She really took the time to explain everything in detail, simplified the language and gave step by step guidance"
Vegas' owner, Sarah from WA.

Pet insurance information for specific breeds

 

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 pet's age, we don’t need your pet's date of birth, just how old they are in years.

Yes, we offer a 5% 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 offer a benefit level of up to 80% on both our Pro and Elite Cover plans. This means we will pay up to 80% back on eligible claims or vet bills, after you pay your nominated excess, and up to your annual benefit limit and any other applicable sub-limits. For example, if you have an Elite Cover plan with a $500 excess, and your pet undergoes a $10,000 treatment, Vets Choice will cover up to 80% of $9,500, as long as it’s within your annual benefit limit. Please keep in mind that some accidents, illnesses, and dental covers may have sub-limits. This means that we can only pay up to a certain amount as indicated on our product comparison table and Product Disclosure Statements (PDS).

We support and promote positive pet ownership and therefore recommend proactive preventative measures wherever available. This is why our pet insurance policies don’t cover preventable conditions. But, we will cover certain aspects of preventable illnesses, read more about that here.

A pre-existing condition is a temporary or permanent illness or injury that occurred before the pet insurance policy's start date or during the policy's waiting period(s). We have specific rules around what's covered under pre-existing conditions, and you can read more about pre-existing conditions here.

 

Pet care information

Responsible pet ownership begins with proper pet care. When bringing a new pet into the home, it's critical to realise that you're making a lifetime commitment to a furry family member who depends on you for both health and well-being.


Happily, the increased responsibilities that come with having a furry friend are more than offset by the unconditional love and joy that pets bring into our lives. We've compiled a series of articles to help inform and guide you through some of the more unknown territories of pet ownership.

 

9 Tips for your new puppy

Your-new-puppy

You’ve decided to get a new puppy, and are looking forward to all the fun that comes along with it. But there are a few very important things you need to remember when getting a new puppy.

Dogs are very social animals, which means your new puppy is going to look to you for guidance and what is best in the early stages of its life. You will need to give your puppy kind, clear and consistent training for them to learn what it is expected to do the moment you first bring them home, as these cues will be learnt and reinforced for the rest of your dog’s life. Below are a few examples of things you need to be conscious of when training your brand-new puppy.

Beds and personal space

Your puppy should have a bed of their own as it will be their safe haven as a puppy in a new environment they are getting used to. It is often a good idea to crate train your puppy as this can:

  • Prevent damage if the puppy is destructive when they are investigating their environment
  • Help with house training
  • Be a safe area for the puppy when you are unable to supervise them
  • Enable the puppy to be a part of the family when they may otherwise have been put outside and been excluded
  • Help with future hospital stays and boarding

Socialise your new puppy

Puppies have a sensitive period of development called the socialisation period that occurs between 3-12 weeks and any experiences a puppy has during this time can affect their behaviour for life. By socialising your puppy during this time, your puppy will learn to accept other dogs and people as a normal part of life without them becoming frightened or aggressive.

It is also important that you expose your puppy to as many experiences as possible during this time, as the more they are exposed to the more they will accept as normal everyday occurrences. Puppy preschools are a great way to start exposing your puppy to social situations while also learning good manners. Just remember to fully vaccinate your puppy before taking them out to public places.

Feeding times

Most puppies need to be fed around three times a day. It is best not to leave your puppy alone when eating so they learn that having people around food is a good thing. Putting tasty treats into your puppy’s bowl as they are eating will help your puppy look forward to people being around at meal times and help them become less protective of food. As your puppy grows the amount they are fed will need to be adjusted. Commercial puppy foods will have guides on the bag or tin to inform you how much a puppy or dog of particular ages and sizes generally need to eat.

Puppy crying at night

It is normal for a puppy to cry at night when you first bring them home. You can help them to settle in by providing a comfortable warm bed and creating their own space where they can feel secure. If they still do not seem to settle, you can use a synthetic pheromone near their bed to help them settle. If you have any concerns about your puppy crying, consult your vet.

Puppy toys and chewing

Your new puppy is just learning the ins and outs of the world, so they don’t yet know what they can and cannot chew! They explore their environment with their mouth, so by providing lots of safe and appropriate toys that they can chew instead of your furniture, you can encourage the exploration in a positive way. Change the toys daily to keep them interested and engaged.

Biting

Biting is something that your puppy will do as it tests out its new environment. Puppies do not “grow out” of biting habits so what may seem cute and bearable in an 8-week-old puppy is definitely not when they have developed a full size set of teeth and powerful jaws, so they must learn to not bite.

Here's a few ways you can teach your puppy to not bite:

  • Encourage the puppy to chew on safe toys that can’t be swallowed
  • Give your puppy fresh raw bones they can’t swallow. Bones can help exercise their jaws and also keep teeth clean
  • Never allow your puppy to bite, chew or mouth you, even if it seems to be in play
  • If your puppy does bite, walk away and ignore them, DO NOT punish them
  • Using your hands and waving them around may excite your puppy so if they are biting. It is best not to use your hands to correct the behaviour. Slapping your puppy may actually make things worse. It makes some puppies hand shy while with others it actually encourages aggression.

Toilet training

Puppies may not develop full bladder control until after 20 weeks, so be patient. The number of accidents that your puppy has should reduce as they begin to develop preferences for surface types around seven to eight weeks. Puppies will tend to go to the toilet after they first wake up, eat and play so it’s important to look for warning signs after those activities. It is during these times that it is also most effective to house train your puppy, taking them outside when you see warning signs such as starting to circle or sniffing at the ground. Take them outside to the same spot every time, and praise them profusely when they successfully go to the toilet and reward them with a treat after.

If your puppy has an accident in the house, never rub their nose in it or punish them later. Puppies only make an association if it is less than a few seconds after the act. If you do catch them in the act, making a sudden noise (that does not frighten your puppy) then take your puppy straight outside and give them lots of praise and a tasty treat when they are finished.

Digging in the garden

It is important that you keep your puppy entertained, especially when they’re left unsupervised. Puppies are still learning, so when not entertained they will make up their own entertainment, like digging in the garden. Digging is a natural instinct for dogs, and puppies will instinctively do this to have fun. By giving them alternate options through a variety of toys to play with, you can encourage your puppy to spend their energy not digging up the flowers. If you find you can’t discourage your dog from digging, then giving them a space they’re allowed to dig like a sand pit will help.

Training your puppy

Puppies are highly impressionable in their early life and develop habits that last their life, so teaching them the basics like sit, stay, drop and come is ideal while your dog is still young. But, puppies do have a shorter concentration span and are clumsier as their motor skills are still developing. By using short, easy steps and having a lot of patience, your puppy will learn quickly what is expected of them.

Here are a few training tips when teaching your puppy:

  • Spend at least 10–15 minutes each day training your puppy
  • Each lesson should be short and fun and always finish on something the puppy can easily do
  • Go on daily leash walks when your puppy is old enough
  • Use rewards. Dogs, like people, learn fastest when the reward is given immediately and when your dog knows what you expect of them. By rewarding them, they will learn what is expected quicker through positive reinforcement
  • Be consistent in your training. If your dog is allowed to do things sometimes but not always, then it’s very difficult for them to learn what you expect of them
  • Touch your puppy all over by looking in their ears, mouth and clean their teeth so they learn that these are normal, tolerable, even fun. Get them used to this when they’re young, so that if there’s ever a problem your dog will tolerate the investigation

And most importantly, have fun with your new puppy and praise them for everything they do right.

Another important thing to consider is pet insurance, and the benefits this can have to set peace of mind for your growing puppy. Check out our puppy and dog insurance products to find out more, or get a quote today.

This content was originally published by Australian Small Animal Veterinarians (ASAV), a special interest group of The Australian Veterinary Association.


Information cited from:

https://www.vetvoice.com.au/ec/pet-ownership/your-new-puppy/