How much pet insurance costs in Australia is $30 to $80 per month for dogs with $10K to $20K annual cover, $20 to $50 per month for cats with $10K to $15K annual cover, with 80% reimbursement, $100 to $500 excess, according to Canstar and Finder. For dogs, small dog under 10kg like Chihuahua $30 to $50 per month for $10K annual limit 80% reimbursement $100 excess, medium dog 10 to 25kg like Beagle $40 to $60 per month for $10K to $15K annual, large dog over 25kg like Labrador $50 to $80 per month for $15K to $20K annual, with large breed higher due to more claims $800 per year versus $400 small. For cats, indoor cat $20 to $35 per month for $10K annual, outdoor cat $30 to $50 per month due to higher accident risk. For example, Labrador $50 per month $600 per year for $15K annual limit 80% reimbursement $100 excess, with $3K broken leg claim pays $2,400 minus $100 = $2,300. Factors include breed Bulldog $80 to $120 per month due to breathing, skin and joint $1,200 per year claims versus Australian Cattle Dog $30 to $50 healthiest $300 per year claims, age puppy $30 to $50 versus 8-year-old dog $80 to $120 due to higher illness risk, and excess $100 versus $500 lower excess costs $10 more per month. So pet insurance costs $30 to $80 per month for dogs $10K to $20K annual cover 80% reimbursement, $20 to $50 for cats $10K to $15K annual, with small dog $30 to $50, large dog $50 to $80, cat $20 to $50, with breed and age affecting premium $30 to $120 per month.
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