You never know when your pet will get sick or injured. Many emergency veterinary bills can skyrocket quickly, causing you to worry about the cost. With pet insurance, you get to find an insurance policy that matches your pet’s needs, and you’ll give your pet the best chance of recovery with the latest in veterinary care. You can also choose a policy that works with your budget and one that your veterinarian recommends.

Australian Seniors Pet Insurance is dedicated to seniors and offers great value coverage if you’re a pet parent over 50. This pet insurance for cats and dogs covers injury, sickness, and everyday treatments. Australian Seniors pet insurance offers three plan options with up to $12,000 in annual benefits. With veterinary costs increasing each year, pet insurance  helps with medical procedures that your pet may need.

AVMA and Mississippi State University found that owners whose dogs were insured used more veterinary services during each clinic visit than those without pet insurance.A study by the pet insurance industry shows that cat parents with pet insurance spend 81% more per year on veterinary care than owners without insurance. “Spending on insured dogs was 29% higher than for uninsured dogs, adds the American Veterinary Association. (AVMA),” explains the AVMA.

Who is Australian Seniors Pet Insurance?

This insurance company launched in 1998, helping Australians over 50 with their insurance needs. Seniors Pet Insurance also launched Dare magazine to provide policyholders and Australians over 50 with exclusive content that will inspire them to connect. They have been awarded multiple industry awards. A few of these include:

• Platinum Trusted Service Award 2025: Feefo 
• ProductReview.com.au 2025 Award ( Home & Contents Insurance) category 
• Trusted Brand Award 2024:Reader’s Digest: Funeral Insurance category Trusted Brand Award 2023: Reader’s Digest:

Australian Seniors Pet Insurance

Australian Seniors Pet Insurance offers three plans and stands out for its robust 10% discount for seniors. The policy includes a good range of coverage with up to $12,000 annual benefits, including specified accidental injury coverage, paralysis tick benefits with no excess, and up to 80% back on veterinary bills.

Top Accident & Illness Cover

Australian Seniors Pet Insurance Top Accident & Illness Cover features coverage of up to 80% for accidents and illnesses except certain pre-existing conditions, dental procedures, food and diet coverage, pregnancy, behavioral problems, and elective treatment and procedures. Australian offers seniors optional add-on cover for everyday routine care, including teeth cleaning, vaccinations, and training.

• Up to 80% of eligible vet bills reimbursed in Accident and Illness Cover
• Claim up to $12,000 in annual benefits
• Coverage from 8 weeks to years of age to under 9 years of age
• 0-day waiting period for specified accidental injuries
• Illness cover after 30 days
• Overseas cover for pets while traveling
• $1,000 annual limit for tick bite paralysis treatment
• Lifelong cover as long as long as there are no breaks in coverage 
• Option to add on Routine Care for vaccinations, microchipping, and other cat and dog everyday wellness benefits.
• $1,200 annual limit for emergency boarding
• Essential euthanasia coverage

Essential Accident & Illness Cover

Australian Seniors Pet Insurance Accident & Illness Cover policy covers up to 75% of the cost of treating injuries caused by accidents, including burns and snake bites. This policy offers $12,000 in annual veterinary cost benefits but does not include dental benefits, elective treatments and procedures, food and diets, and behavioral treatments.

• Up to 75% of eligible vet bills reimbursed in Accident and Illness Cover
• No excess
• Claim up to $12,000 in annual benefits 
• Coverage from 8 weeks to years of age to under 9 years of age
• 0-day waiting period for specified accidental injuries
• Illness cover after 30 days
• Lifelong cover as long as long as there are no breaks in coverage 
• $1,000 annual limit for emergency boarding
• Essential euthanasia coverage
• $1,000 yearly limit for tick bite paralysis treatment

Basic Accident & Illness Cover

Australian Seniors Pet Basic Accident & Illness Cover offers up to 60% off eligible veterinary claims, and you can claim up to $12,000 in annual benefits. Australian features an annual condition limit of $2000 per condition with this base policy. Australian pet insurance Basic Accident & Illness plan stood out because of its maximum entry eligibility at 16 years. If you’re parenting a senior dog, check out Australian Seniors Pet Insurance.

• Up to 60% of eligible vet bills reimbursed in Accident and Illness Cover
• No excess
• Claim up to $12,000 in annual benefits 
• Coverage from 8 weeks to years of age to under 16 years of age
• $2000 yearly condition limits
• $500 annual limit for emergency boarding
• Essential euthanasia coverage
• $2,000 annual limit for tick bite paralysis treatment

What To Consider

As always, when choosing an insurance policy for your cat or dog, look at the maximum amount paid out for pet insurance claims and see if it meets your pet’s health requirements. 

Reimbursement percentages are also important because this is the amount you will be paid back after your claim is processed. Maximum entry age is also essential if you have a senior pet and in-home visit coverage- which is capped at $300 across all three plans with Australian Seniors pet insurance.

Frequently Asked Questions

1. How Much Will I Get in Payouts for Injuries?

Australian Seniors Pet insurance policy offers up to 80% of the cost of treating injuries caused by accidents, including burns, snake bites, allergic reactions to insect bites (not including ticks and fleas), and car accidents.

2. How Much Should I Pay for Pet Insurance?

Pet insurance varies in cost according to the plan you purchase, where you live, breed, age, and gender of your pet. Pet health insurance costs for cats and dogs are determined by the following:

• Annual maximum, deductible, and reimbursement levels.
• Some policies also provide preventive care add-ons for vaccines and well visits.

3. Can I Customize My Coverage?

Some pet insurance companies offer add-on coverage like Routine Care to enhance basic pet policies. This may cover vaccines, prescription meds, food, deworming, flea control, exam fees, and other routine care benefits.