Pet insurance and travel insurance are both optional but can protect against significant unexpected costs. This page is general information, not a quote.
Pet insurance
Pet insurance generally covers a percentage of vet bills for illness or injury, with an annual limit, an excess per claim, and often a waiting period before cover starts — pre-existing conditions are typically excluded, so it's usually more valuable taken out while a pet is young and healthy.
Travel insurance
Travel insurance generally covers medical costs overseas, cancellation costs, and lost luggage, though specific exclusions apply for pre-existing medical conditions, high-risk activities, and travel to destinations under a 'do not travel' advisory — check the PDS against your actual trip plans.
What to check before buying
For both types, check the excess, annual or per-claim limits, and any activity or condition-specific exclusions carefully — the cheapest policy sometimes has meaningfully lower limits or more exclusions than a slightly more expensive one.
Key takeaways
Buy pet insurance while a pet is young if you're considering it, and always check a travel policy against your specific destination and planned activities before departing.