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What does Dog Insurance cover?
Dog Insurance offers cover for up to 80% of eligible vet costs associated with your best mate’s specified accidental injuries, and for costs associated with illness. You’ll also have cover for emergency boarding, and access to optional cover for routines such as tick control and obedience training.
What's not covered?
These are just a few examples. For more detail and a full list of exclusions, read the PDS.
What does Pet Insurance cost?
For most pets you can get coverage from $1* a day. The exact cost can vary depending on factors like your pet’s breed and age.
Your out-of-pocket costs for covered vet visits, once your policy has commenced and any waiting periods are over, will be 20% of the total bill, as you’re entitled to an 80% benefit up to your annual limit.
So if, for example, you visit the vet to treat an injury and it costs you $250, you’ll receive $200 back of eligible claims (your 80% benefit) and only be required to pay $50.
*$1 premium based on an Accident Only policy for a Sydney based Cavoodle.
Pet Insurance for older dogs
You can take out an Accidental Injury policy for your dog at any age. However, if your dog is older than nine years, you can’t take out an Accidental Injury & Illness policy, or reactivate one if it’s lapsed. If you’ve had your policy since before the dog was nine, it will remain covered.
When you take out a policy, you’ll be able to register for the petinsurance.com.au secure pet portal. Claiming via the portal is easy - simply upload a copy of your vet's tax invoice and consultation notes. If it’s your first claim, you’ll need to attach a full veterinary history. If you don’t have access to the customer portal, you can call the friendly customer service team at petinsurance.com.au on 1300 855 633 for claim forms.
If you make a claim for a treatment that’s covered under your policy, you’ll receive up to 80% of the total cost reimbursed to you, up to the annual benefit limits.
Certain expenses are not covered; these are set out in the Product Disclosure Statement (PDS) for both dog cover and cat cover.
Yep! You can use any vet who is registered to practice in Australia.
Dog Insurance and Puppy Insurance are essentially the same product, in that they cover the same conditions and feature the same benefits and limits. The difference lies in the age at which your pet qualifies, and the way premiums are determined.
If your dog is over 6 months old, it qualifies for Dog Insurance, whereas if it’s between 8 weeks and 6 months old, it qualifies for Puppy Insurance. If you take out a Puppy Insurance policy while your puppy is within the eligible age range, your premiums will remain fixed for three years. If you take out a Dog Insurance policy, your premiums will be subject to change at each annual policy renewal.
No. You’ll need to pay your vet up front and, providing you’ve met the policy terms and conditions, petinsurance.com.au will reimburse you by depositing the relevant amount into your nominated bank account.
If you haven’t made a claim under the policy and you’ve paid the annual premium in full, the portion of the premium that reflects the remainder of the policy period will be refunded to you. No refund is available where you have chosen the monthly or fortnightly payment options.
If you have made a claim under the policy, and you’ve chosen to pay premiums annually, no refund is provided if you cancel your policy. Where you have chosen to pay monthly or fortnightly, any remaining premium still has to be paid for the remainder of the policy period.
A $50 benefit for vaccinations (as well as flea/tick/ blood screen) is available if you select Routine Care, which is an option available with any of our pet insurance policies.
Routine Care also offers a $100 benefit for the following treatments and processes:
- Heartworm control
- Teeth cleaning
- Prescription diets
- Cremation or burial
- Dental illness treatment
- Council registration fees
- Obedience training
- Behavioural therapy
- Alternative therapies
Choosing the right policy for your dog comes down to two factors; their age, and what conditions you’d like to be covered. First, determine whether you qualify for Puppy Insurance or Dog Insurance, then decide whether you need cover for Specified Accidental Inuries and illness, or Specified Accidental Injuries only.
If your dog is younger than 6 months, they’ll qualify for Puppy Insurance, which offers fixed premiums for three years. If they’re 6 months or older, you can consider Dog Insurance.
Both the puppy and dog options offer Accidental Injury Cover, as well as Accidental Injury and Illness Cover. A policy that only covers Specified Accidental Injuries (and some Specified Illnesses) may offer you a lower premium, but you could still be liable for large costs if your dog contracts an illness.
Once you’ve chosen a policy type, you can consider adding optional routine care. This will also affect your premium, but it will greatly broaden the range of treatments for which your pet will be covered.
It may be worth taking the time to consider your needs and budget before you lock in your policy.
Yes. If your pet requires treatment and you wish to seek pre-approval of those costs, you can provide petinsurance.com.au with the itemised estimate of costs from your vet, along with the treatment required and relevant clinical records and/or veterinary history, and they will respond to you in writing with the outcome.
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 procedures, fractured teeth, routine or preventative Treatments (unless Routine Care cover is purchased, which provides a contribution up to the Routine Care 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 Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide.
A Pre-existing Condition is:
- A Condition that existed or occurred prior to the Commencement Date of the first policy period or within any applicable Waiting Period.
- A Condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of.
This is irrespective of whether the underlying or causative condition was diagnosed at the time.
Whether it is a Pre-existing Condition will depend on its nature and experience. If your pet has a temporary condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a Pre-existing Condition. Chronic conditions and several other specified conditions cannot fall within this category. See the PDS for more information.
If your pet has had a temporary condition that was subject to the Pre-existing Condition exclusion, you can apply to have it reviewed.
Your vet will need to certify and provide veterinary records verifying that the condition remains a temporary condition and has not existed, occurred or shown noticeable signs, symptoms or an abnormality for a period of 18 months. The Pre-existing Condition exclusion(s) will not be deemed to have been lifted unless agreed to by petinsurance.com.au in writing.
Download a copy of the Pre-existing Condition Review form.
If your pet has a chronic condition that existed or occurred before the commencement date of your first policy period or during any applicable waiting period, that condition will always be excluded from your policy.
See Pre-Existing Conditions page for more information.
Customers who take out a new policy will receive a discount equal to 2 months free premium for the first year of cover. This equates to a 16.67% discount from the standard monthly premium spread over the course of the first year. The discount is included in the quoted price and does not apply upon renewal.
Terms, conditions, waiting periods and exclusions apply. Petinsurance.com.au is general insurance issued by the insurer The Hollard Insurance Company Pty Ltd (ACN 090 584 473; AFSL 241436) (Hollard); is distributed by Pet Insurance Pty Ltd (ACN 607 160 930; AR 1234944) (PIPL) and PIPL’s authorised distribution partner Platform Ventures Pty Ltd (ACN 626 745 177; AR 001266101) under the AAMI Brand, and administered by PetSure (Australia) Pty Ltd (ACN 075 949 923; AFSL 420183) (PetSure). PIPL and Platform Ventures Pty Ltd are authorised representatives of PetSure. PIPL and PIPL’s authorised distribution partner Platform Ventures Pty Ltd will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any – ask PetSure for more details. Any advice provided is general only, has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Consequently, before acting on this information, you should consider the appropriateness of this information having regard to your objectives, financial situation and needs. You should obtain and consider the Product Disclosure Statement, available at www.aami.com.au/policy-documents, in deciding whether to acquire or continue to hold, Petinsurance.com.au Pet Insurance, and for important information about dispute resolution. The Target Market Determination is also available at www.aami.com.au/policy-documents.
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