Risk score 1.50× the average dog. Here is what that means in AUD.
Risk score 1.50x average| Condition / procedure | Australia range | Insurance |
|---|---|---|
| Dental Cleaning with Extractions | A$1,425–A$3,325 | covered |
| Abdominal Ultrasound | A$380–A$760 | covered |
| Ear Infection Treatment | A$140–A$330 | covered |
This breed carries well-known, expensive conditions. A policy bought early is the cheapest way to cap that risk.
Run the calculator for a Cavalier King Charles SpanielUp to 80% back on eligible vet bills, optional routine-care add-on, GapOnly at many clinics.
Get a quote →Accident, illness and comprehensive tiers; part of every premium supports the RSPCA.
Get a quote →Disclosure: some links are referral links. They never change your price. We list insurers we would consider ourselves, not whoever pays most.
Around A$24,675 in routine care plus a realistic share of breed-typical conditions, at 2026 Australian prices.
Modelled premiums (estimates, not quotes) run about A$65–A$105 a month for a puppy, rising with age and city.
That depends on what you could pay in cash. The breed's risk score is 1.50× average and the single worst bill we model is A$7,600. The calculator compares that bill with your emergency fund and shows the expected net cost of insuring.