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How to save on your pet insurance - Shop around – Although there are still relatively few companies offering pet insurance in Australia, coverage and costs vary considerably, and you could save a lot of money by doing some research.
- Don't just accept a company's standard insurance package, unless you are sure it meets the needs of you and your pet. Try to negotiate a deal which suits your specific requirements, and will help reduce your expenses in the long term. You may be able to add riders to a limited policy for additional coverage, rather than taking out an expensive all-inclusive package.
- If you have more than one pet to insure, ask about multiple-pet discounts – most companies offer these.
- Find out whether your household insurance company offers pet insurance – they may have special deals for existing customers.
- Consider a limited cover policy rather than a comprehensive pet insurance plan. If you want to spread the cost of routine veterinary care for your pet, it may be cheaper to arrange a separate wellness plan with your vet.
- Buy 12-month cover rather than a lifelong plan. 12-month cover is usually sufficient for most short-term and medium-term conditions and the monthly premiums will be lower.
- Increase your excess or co-payment level, to benefit from lower monthly premiums.
- Before including third party liability in your pet insurance, check whether this is already covered in your own insurance policy. If so, check whether the pet insurance company will offer a discount if third party liability is excluded.
- Buy a pet that is cheaper to insure. Rare and exotic animals are expensive and often difficult to insure. If you are buying a new dog, consider a mongrel as they are cheaper to insure and less likely to get ill. Alternatively, buy a cat or rabbit instead of a dog, which are even cheaper to insure.
- Keep your pet healthy - Some companies will provide a rebate if you spend a specified annual amount on preventative health measures, such as worming and flea treatments.
- Make sure that you're not going to be paying for coverage that you are unlikely to need, such as travel insurance for your pet.
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