Does pet insurance cover surgery immediately in Australia, generally no, pet insurance has waiting periods 14 days for illnesses, 2 days for accidents and 6 months for cruciate ligament surgery $3K to $5K, so surgery not covered immediately after purchase, you must wait waiting period, with emergency accident covered after 2 days and illness after 14 to 30 days. Pet insurance $30 to $80 per month for dog $10K to $20K annual cover for accidents and illnesses covers surgery $2K to $10K for broken leg $3K, cruciate $3K to $5K, cancer $5K to $10K and ingestion $2K to $5K, with 80% reimbursement up to $10K to $20K annual limit, but has waiting periods 2 days for accidents, 14 to 30 days for illnesses and 6 months for cruciate ligament and some orthopaedic conditions, so if you buy policy today and dog needs surgery tomorrow for illness, not covered, if accident after 2 days covered. For example, dog breaks leg day after purchase, waiting 2 days accident not yet passed, not covered $3K out of pocket, if breaks leg 3 days after purchase, covered 80% $2,400 minus excess $100. For cruciate surgery $4K, 6 months waiting, so if cruciate 1 month after purchase, not covered $4K out of pocket. So pet insurance does not cover surgery immediately, waiting periods 2 days accidents, 14 to 30 days illnesses and 6 months cruciate, so surgery covered after waiting period, not immediately, with pre-existing conditions excluded permanently, so buy insurance early before illness.
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