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Is neutering or desexing covered by dog insurance?

Desexing a dog is one of the most frequent Vet procedures for dogs in Australia.

As it is optional for pet owners to choose to have their animal desexed, unless you take out our best pet insurance plan, Comprehensive Protect with the extra Routine Care option, we will not cover towards the cost of desexing. If you do choose to take out Comprehensive Protect with the extra Routine Care option you'll receive an extra $165 dollars to spend on the routine care of your dog, $70 of which can be used to pay for desexing.

With the Routine Care option, for a monthly premium of $9.50 (including GST and statutory charges) you will receive annual benefits of:

  • $30 – Vaccinations or health check
  • $10 – Heartworm test or blood screen
  • $10 – FeLv/Fiv test or urinalysis
  • $45 – Flea /tick/worm control

Plus an additional $70 annual benefit for any one of the following services: desexing, microchipping, heartworm preventative medication, teeth cleaning, council registration fees, alternative therapies, prescription diets, de-clawing or cremation / burial.

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The fine print: There are some limits. We won't pay for your vet bills for conditions that were present before you took out a policy. To view the complete list of illnesses and treatments covered, as well as any exclusions that might apply, you must download and read the Product Disclosure Statement.

1300 Insurance's Pet Protect offered by 1300 Insurance Pty Ltd (ACN 124 845 727; AR No 327609) underwritten by The Hollard Insurance Company Pty Ltd (AFSL 241436), and administered by PetSure (Australia) Pty Ltd (AR No. 268991). The information on our website, our brochures and other documentation is of a general nature only and does not take into account your personal financial situation, needs or objectives. Therefore before you decide to buy this product it is important that you read the Product Disclosure Statement and Financial Services Guide to make sure the product is appropriate for your needs.