Pet Insurance by Breed
What each breed actually claims for, what cover costs, and the sub-limit or exclusion that decides whether a policy is worth having.
French Bulldog
French Bulldogs are among the most expensive dogs to insure in Australia, and for good reason. Three of the conditions they are prone to are surgical, and one of them is not always covered.
Read guide →Labrador Retriever
Labradors are Australia's most popular breed and one of the most frequently claimed on. The reason is almost entirely orthopaedic, and it is the one thing budget policies cap hardest.
Read guide →Golden Retriever
Golden Retrievers have one of the highest cancer rates of any dog breed. That single fact should change how you read a policy, because cancer is where annual limits get tested rather than sub-limits.
Read guide →Cavoodle
Cavoodles are the second lowest claiming breed in Australia and among the cheapest to insure. That makes the hereditary exclusion wording the only thing really worth arguing about.
Read guide →Border Collie
Border Collies are the cheapest breed to insure in Australia and the lowest claiming. The risk that remains is genetic, and genetic is the category policies handle least consistently.
Read guide →German Shepherd
For most breeds the sub-limits decide the policy. For German Shepherds it is the annual limit, because bilateral hip replacement alone can exhaust one.
Read guide →Staffordshire Bull Terrier
Skin is the most common reason Australian dogs see a vet, and Staffies are among the breeds it affects most. Dermatology sub-limits, not the annual limit, decide this policy.
Read guide →Cavalier King Charles Spaniel
Small breeds are usually cheap to insure. Cavaliers are the exception, sitting fifth on PetSure's list of highest claiming breeds in Australia, above the Rottweiler on frequency of expensive care.
Read guide →Ragdoll
Ragdolls claim close to the feline average on most conditions, which makes them look uncomplicated. The exception is cardiac, and cardiac is the category that behaves worst under a sub-limit.
Read guide →British Shorthair
British Shorthairs claim at more than double the feline average for eye and ear conditions, and above average for digestive problems. Both are recurring rather than one-off, which is what makes the sub-limits matter.
Read guide →Maine Coon
Maine Coons are around 70% more likely than other cats to ingest a foreign object, and foreign body surgery is the most expensive routine emergency in feline practice.
Read guide →Bengal
Bengals are more than one and a half times as likely as other cats to develop musculoskeletal problems, which is unusual in a species that rarely claims for orthopaedic conditions at all.
Read guide →Burmese
Burmese cats claim renal conditions at nearly three times the feline rate and arthritis at more than twice. Both are managed over years rather than resolved, which is the claim shape that per-condition caps handle worst.
Read guide →