Some Conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing page for more information.
Pet Insurance
Get cover for up to 80% of your eligible vet bills~. Because pets are more than animals - they’re family.
~Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess apply).
Simple, flexible cover for cats and dogs
You share a special bond with your pets. They’re your cuddle buddies, your partners in mischief, and your family. Pet insurance helps you manage your vet costs, so you can better prepare when your furry friends need it most.
Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.
What does Pet Insurance cover?
Not all pet insurance is the same, and what’s covered will vary depending on what policy you choose. Pet insurance can give you coverage when your pet experiences accidents or illness, assisting with unexpected vet bills. Plus, you can be offered add-ons to cover preventative treatments and/or dental illness conditions, so you can manage your policy based on your pet’s needs.
Depending on the cover you select, you can get up to 80% back on eligible vet expenses like hospitalisations, x-rays and MRI’s, surgery and other care and procedures provided by a vet.
Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.
What's not covered
These are just a few examples. For more detail and a full list of exclusions, read the PDS.
Why choose Pet Insurance?
Pet Insurance
Frequently asked questions
Pet insurance helps cover vet costs for your pet's eligible illnesses or injuries, and manage out-of-pocket expenses. It typically only covers cats or dogs.
Standard pet insurance usually doesn't cover vaccinations. petinsurance.com.au offers optional routine care (non-insurance benefit) which provides a $50 contribution per policy period towards vaccinations or health checks, flea/tick/worm control, or blood screens. Policy terms and conditions and limits apply.
Routine dental cleanings aren't typically covered by pet insurance, though some plans may offer dental illness cover petinsurance.com.au offers a contribution towards your pet's teeth clean if you have selected optional routine care (non-insurance benefit). Policy terms and conditions and limits apply.
Pet insurance generally doesn't cover pre-existing conditions, but some providers may offer limited coverage after a symptom-free period. If you think your pet may have an existing condition and you’re looking for new cover, please check the policy details closely, as limits, exclusions and waiting periods vary. Existing conditions can be a complex area so if you are unsure, call petinsurance.com.au for help.
To start a consult at any time:
- Log in to your Pet Portal
- Click on ‘Live Vet’ in the top navigation bar
- Choose to chat via video call or online chat
Start your consultation with a real vet in minutes
^ Live Vet Support is a service provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure) giving you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet consultations is subject to the Customer Portal terms of use available at https://petportal.petinsurance.com.au/
As with most insurance products, there are certain situations where you will not be covered. There are some general exclusions such as Pre-existing Conditions, Dental care (unless Platinum cover or optional cover selected. Note: Specified dental conditions are eligible for cover if the dental illness benefit is shown as selected on your certificate of insurance. Refer to your PDS for further information.), routine or preventative Treatments (unless Routine Care non-insurance benefit cover is purchased, which provides a contribution up to the Routine Care non-insurance benefit limits), some Elective Treatments and procedures and breeding or obstetrics. There may also be specific exclusions which may apply to specific levels of Cover.
For a more detailed list of general exclusions, refer to the applicable Combined Financial Services Guide and Product Disclosure Statement.
Excess is the amount you may pay out-of-pocket when you make a successful claim on pet insurance. With a petinsurance.com.au policy you have three excess options: $0, $250, or $500. Excess is calculated on a ‘per condition, per policy period’ basis. Choosing a higher excess can reduce premiums but increases what you pay per claim.
Most pet insurance policies don't cover spaying or neutering, but some offer wellness plans that include these procedures. petinsurance.com.au offers an optional routine care non-insurance benefit, which contributes towards routine expenses like desexing. Policy terms and conditions and limits apply.
Pet insurance often covers hip dysplasia if it is not a pre-existing condition at the time you take out your policy (or during an applicable waiting period). Please check your policy details as limits, exclusions and waiting periods may apply.
Cremation or burial coverage varies; some pet insurance policies will include it, while others don't. You should review your policy details to be sure. petinsurance.com.au offers a $100 contribution per policy period towards cremation costs if you have selected the optional routine care non-insurance benefit.
As a petinsurance.com.au customer, unlock extra support and savings on everyday pet essentials with myPetPass™.
At no additional cost, myPetPass™ gives you access to:
- first-class online vet care anytime, anywhere now accessible directly from the Customer Portal
- discounted pet prescription medication, delivered to your door
- discounts on a wide range of flea, tick and work treatments, and
- savings on premium pet food.
With new offers being added regularly, myPetPass™ makes it easier to care for your fur baby.
Go to myPetPass.com.au for full T&C 's and to learn more*.
Pre-existing Conditions
Some Conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing page for more information.
Your pet not being protected
Your pet not being protected. If you neglect your pet or fail to take all reasonable precautions to protect your pet from situations that may result in injury or illness (such as organised fighting or hunting activities).
Specified dental conditions
Specified dental conditions are eligible for cover if the dental illness benefit is shown as selected on your certificate of insurance. Refer to your PDS for further information.