Dog Insurance

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 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 licenced 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 Car, 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:

• Desexing
• Microchipping
• 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 injuries and illness, or 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 injuries 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.