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Common dog illnesses and injuries
Budget Direct Dog Insurance covers a wide range of illnesses and accidental injuries (except pre-existing ones). They include common ones like:
- Ear infection
- Heart disease
- Skin allergy
- Allergic reactions
- Broken bones (e.g. after being hit by a car)
- Burns or electrocution
- Cuts, grazes and lacerations
- Dog bites
- Heat stroke
- Poisoning (e.g. snail bait)
- Snake bite
- Torn dew claw (nail)
Frequently asked questions
Which types of pets do you insure?
Budget Direct Pet Insurance covers only dogs and cats.
There are certain types of dogs and cats we do not insure, namely:
- breeding animals
- certain working dogs (e.g. dogs used for racing, organised fighting, law enforcement, guarding or pig hunting); we do insure assistance dogs, such as guide dogs
- banned or restricted breeds of dog
- declared dangerous dogs.
Can I take my dog to any vet?
Yes — Budget Direct Pet Insurance customers can take their dog to any qualified and registered vet in Australia.
How much of my vet bill will be covered?
Budget Direct Pet Insurance covers up to 80% of the cost of your eligible vet bills — up to the overall annual benefit limit or sub-limit shown on your insurance certificate and less any applicable excess.
For example, if a car hits your dog and breaks its leg and you receive a surgery bill of $3,000, we’ll reimburse you as follows:
80% of the vet bill: $2,400
Minus the excess: $100
Total reimbursed to you: $2,300
Note that an annual benefit sub-limit of $4,000 applies to surgery for broken legs and other orthopaedic conditions.
If I make a claim, will I have to pay an excess?
Yes — you will pay a $100 excess once for each unrelated condition during any one period of cover. For further treatments for a related condition during the same period of cover there is no excess.
For example, if your dog needs treatment for diabetes twice during the 12-month policy period, you’ll be required to pay the excess for the first claim for that condition, but not the second.
Similarly, if your dog develops a condition that’s related to one you’ve already made a claim for (e.g. diabetic retinopathy stemming from diabetes), you won’t have to pay another excess.
Each time you renew your annual policy, the excess will be reset (i.e. the next time you make a claim for a related illness or injury, you’ll be required to pay the excess).
How can I pay for my pet insurance?
You can pay for your Budget Direct Pet Insurance premium by direct debit from your bank account, credit card or debit card (Visa or Mastercard).
You can pay monthly or annually (the second option is the most economical).