As a pet owner in Australia, you understand the importance of providing the best possible care for your furry friends. The bad news is that, with the increasing costs of veterinary care, it can be challenging to manage unexpected medical bills. That’s where affordable Australian pet insurance comes in – a financial safety net that can help you cover the costs of unexpected vet visits and procedures.
But first – is pet insurance expensive?
The answer largely depends on the type of pet insurance policy you choose. Choosing extensive coverage and additional features can indeed raise the cost, but it’s important to differentiate between merely “cheap” insurance and getting “value for money.”
Great pet insurance doesn’t have to break the bank. It’s about finding a balance—securing a policy that offers protection at a reasonable price. Remember, “cheap” doesn’t necessarily mean minimal coverage, nor does paying a premium guarantee superior service. The sweet spot is affordable pet insurance, where you receive excellent services without overspending.
In this blog, we’ll explore how we make pet insurance more accessible for pet owners across Australia and why prioritising value over cost is important when protecting your pet’s health.
How can you make pet insurance cheaper?
Making pet insurance more affordable is possible! It may not be the same across pet insurance providers but at Knose, we’re all about helping pet owners get the best deals for your furry friends. Here are some simple tips to help you save money on your pet insurance while still getting great coverage:
1. Insure your pet early as 6 weeks old
Insuring your pet early has several key advantages that can save you money and help keep your furry friend healthy. First off, younger pets are usually healthier, which means you can get lower premiums. By signing up early, you secure a better rate and save on costs over time.
As your pet gets older, the likelihood of them falling ill increases and the cost of veterinary procedures generally also increases. This means that you are less likely to find affordable pet insurance for your dog or cat, unfortunately.
Another big advantage is that early pet insurance often covers a wider range of health issues. If your pet develops a condition before getting insured, it might not be covered later on. By getting insurance while they’re still young and healthy, you ensure they’re protected against unexpected medical expenses down the line.
💡 Remember: Insuring your pet early is a proactive approach to your pet’s health. With coverage in place, you’re more likely to take your pet for regular check-ups, vaccinations, and address any health concerns early. Not only are you able to cut on vet costs in the long run, but you also set your pets on a path to a healthier, happier life.
2. Know the breeds that are cheaper to insure
When it comes to affordable pet insurance, you’ll find a fascinating contrast between different breeds. Surprisingly, mixed-breed dogs and cats often emerge as the champions of affordability. These lovable hybrids tend to be tougher and healthier than their purebred counterparts, leading to fewer vet visits. Common breeds like the Australian Shepherd dog and the domestic shorthair cat are cheaper to insure, mostly because they’re less likely to have serious hereditary ailments.
On the other hand, purebred pets can be a tempting yet pricey choice for pet lovers. Iconic breeds such as the English Bulldog and Great Dane are undeniably gorgeous, but they come with their own set of health challenges that can make insurance premiums soar. For instance, English Bulldogs are notorious for respiratory issues and troublesome skin conditions. Great Danes often face musculoskeletal problems as they age. As a result, insuring these exquisite creatures can cost a lot, reflecting the heightened veterinary care they may require throughout their lives.
So, when it comes to choosing a pet to take home, it’s essential to weigh the upfront cost against the long-term health considerations of your chosen furry friend!
3. Get a pet from a responsible Knose breeder partner
Buying a cat or dog from a responsible breeder can significantly influence the affordability of pet insurance. First and foremost, responsible breeders prioritise the health and genetics of their animals. They conduct thorough health screenings for hereditary diseases and common health issues associated with their breed. This reduces the likelihood of requiring extensive veterinary care later on.
Additionally, responsible breeders maintain detailed records of necessary vaccinations and veterinary checkups. They’re able to provide new pet owners with a clear health history. Having a full picture of your pet cat or dog’s health can result in lower pet insurance premiums. How? Pet insurers consider the pet’s health history when determining rates! A well-documented, healthy background can lead to a better insurance assessment and potentially lower costs.
When you choose from a Knose breeder partner, you bring home a pet that has been bred with care and attention to health standards. And by doing so, you also get complimentary 6 months free pet insurance for your puppies and kittens.
4. Understand the pet insurance claiming process
Understanding the pet insurance claiming process can really make a difference in making pet insurance more affordable. At Knose, we don’t have any hidden costs. This allows you to focus more on your pet’s well-being rather than on paperwork.
After careful consideration and investigation, pet insurance companies can deny certain claims to effectively manage risks and costs. This helps us keep premiums more affordable and the insurance more accessible for pet owners in Australia.
Fortunately, the Knose pet insurance claiming process is pretty simple! You can even ask us first about your insurance policy before making a claim – feel free to call us at 1300 356 642. When you’re all set, you or your vet can lodge a claim easily through the Knose portal or by emailing claims@knose.com.au. To know the step-by-step process, read the full Knose claiming process.
5. Watch out for pet insurance promos and discounts
Knose offers a variety of pet insurance promotions and discounts to help you save on premiums. You can enjoy these seasonal deals easily by including promo codes when making pet insurance claims.
Our promotions include a special rate for puppies and kittens, which gives you extra savings as they grow. For senior pets, we offer a lifetime discount, recognizing the unique needs that come with ageing companions. Additionally, multi-pet households save more by insuring multiple pets so that you can provide top-notch care for all your furry family members!
Be sure to visit our pet insurance promos and discounts page to discover all the current offers and take advantage of these limited-time deals.
Trust in award-winning affordable pet insurance
At Knose, we know that as a pet owner, your furry friend deserves the very best, and that’s exactly what we provide with our affordable pet insurance. Our award-winning pet insurance is designed to cover unexpected accidents and illnesses without hidden sub-limits.
What makes Knose an affordable pet insurance? With customisable plans, pet owners can choose their preferred annual limit, benefit percentage, and optional add-ons like dental and behavioural care.
Knose proudly stands out as an affordable pet insurance provider in Australia, earning several prestigious awards. In recent years, we’ve claimed the Canstar Outstanding Value Award (for the fourth consecutive time), Finder’s Pet Insurance Award for Value and Comprehensiveness, WeMoney’s Pet Insurer of the Year (for the third year in a row), and multiple awards from Mozo: Pet Insurance Provider of the Year, and Experts Choice Awards for Exceptional Value of Accident & Illness cover and Exceptional Quality Pet Insurance.
What truly sets us apart is our innovative yet straightforward approach to customising pet insurance, carefully designed to meet the unique needs of every Australian pet owner.
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Post by Knose Pet Insurance in collaboration with Sofia Francheska Insua
Sofia is a fulltime mom to her rescue senior dog, Baebae, a 16-year old Japanese Spitz. She learned a lot about pet care through her volunteer work with PETA, assisting in medical missions for pets, stray cats, and stray dogs. While her passion leads her to strongly advocate for volunteering as a way to help animals, she also contributes insights and tips for pet owners seeking to provide proper pet care.
