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Dog Insurance

Your canine companion is practically a member of the family – so you’ll want to take care of it like one. AAMI, together with petinsurance.com.au, can help make it easier to protect your whole family.

Two months cover free

With all new pet insurance policies.
Terms & conditions apply.

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.

Silver

Gold

Platinum

Annual Benefit Limit

$20,000

$20,000

$30,000

Benefit Percentage

80%

80%

80%

Excess

$0, $250, $500

$0, $250, $500

$0, $250, $500

Eligibility

Older than 8 weeks and younger than 15 years

Older than 8 weeks and younger 9 years

Older than 8 weeks and younger than 9 years

Coverage for accidental injuries

Specifed Accidential Injuries

Specified Accidental Injury means physical harm or injury arising from an Accident that is a consequence of or results in one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • an allergic reaction to the following insect and arachnid bites:
  • ants;
  • bees;
  • flies;
  • mosquitoes;
  • scorpions;
  • spiders, and
  • wasps.
  • a bone or traumatic tooth fracture;
  • a snake bite toxicity:
  • a poisoning;
  • an ingestion of foreign object;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses; or
  • lacerations or abrasion of tissue, skin or mucous membrane due to external violence.

Note: Conditions covered by the specified accidental injury cover section of the policy are specified in the PDS.

Specifed Accidential Injuries

Specified Accidental Injury means physical harm or injury arising from an Accident that is a consequence of or results in one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • an allergic reaction to the following insect and arachnid bites:
  • ants;
  • bees;
  • flies;
  • mosquitoes;
  • scorpions;
  • spiders, and
  • wasps.
  • a bone or traumatic tooth fracture;
  • a snake bite toxicity:
  • a poisoning;
  • an ingestion of foreign object;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses; or
  • lacerations or abrasion of tissue, skin or mucous membrane due to external violence.

Note: Conditions covered by the specified accidental injury cover section of the policy are specified in the PDS.

Specifed Accidential Injuries

Specified Accidental Injury means physical harm or injury arising from an Accident that is a consequence of or results in one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • an allergic reaction to the following insect and arachnid bites:
  • ants;
  • bees;
  • flies;
  • mosquitoes;
  • scorpions;
  • spiders, and
  • wasps.
  • a bone or traumatic tooth fracture;
  • a snake bite toxicity:
  • a poisoning;
  • an ingestion of foreign object;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses; or
  • lacerations or abrasion of tissue, skin or mucous membrane due to external violence.

Note: Conditions covered by the specified accidental injury cover section of the policy are specified in the PDS.

Coverage for Illness

 

Specified Illnesses Only

The following Specified Illnesses only:

  • Tick paralysis
  • Heat stroke
  • Gastric dilatation-volvulus (GDV);
  • Trauma induced respiratory impairment (for example, if your Pet chokes or experiences near-drowning);
  • traumatic spinal disc rupture;
  • torn nail;
  • embedded grass seed;
  • soft tissue injury; or
  • eye Trauma

Covered

Covered

Consultation sub-limit
(Home visits included)

$500

$500

Up to annual benefit limit

Paralysis Tick Sub-limit

$2,000

$3,000

Up to annual benefit limit

Cruciate Ligament Conditions

$3,000 per leg per policy period

$4,000 per leg per policy period

Up to annual benefit limit

Hip Joint Surgery

$6,000 per hip
(Total Hip Replacements are included)

$6,000 per hip
(Total Hip Replacements are included)

Up to annual benefit limit

Emergency Boarding

$1,000

$1,000

$1,500

Dental Illness Cover

$1,000
(Optional Cover)

$1,000
(Optional Cover)

$1,000
(included)

Waiting Period

0 days for specified accidental injury

21 days for illness

6 months for cruciate ligament conditions and dental illness

Optional Extras Available

Routine Care

Dental Illness

Routine Care

Dental Illness

Routine Care

What's not covered?

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

This includes:

  • Events caused by a malicious act, deliberate injury or gross negligence caused by you or anyone living with you; and
  • Your failure to take all reasonable precautions to protect your pet from situations that may result in injury or illness (such as ingestion of hazardous substances) or from aggravating a treated condition.

These are just a few examples. For more detail and a full list of exclusions, read the PDS.

OPTIONAL EXTRAS
for all Pet Insurance policies

Optional Cover

Routine Care

(non-insurance benefit)

In addition to the standard inclusions with your Dog Insurance policy, you can add cover for your pet’s routine expenses for just a little extra.

$100 benefit for any one of the following:

  • Desexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Prescription diets
  • Cremation or burial
  • Dental illness treatment
  • Council registration fees
  • Obedience training
  • Behavioural therapy
  • Alternative therapies

$50 benefit for any one of the following:

  • Vaccination or health check
  • Flea/tick/worm control
  • Blood screen

PET Insurance
Frequently asked questions

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.

^The gap is defined as the difference between the eligible vet's invoice and the claim benefit payable under your policy. Please visit gaponly.com.au/find-a-gaponly-vet to search for GapOnly™ enabled vets. GapOnly™ is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, ASFL 420183).

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.

#Offer is available to customers with an active Petinsurance.com.au pet insurance policy and is limited to one membership per policy. Vetchat Services Pty Ltd (VetChat) will contact you after your policy has been in force for 14 days to set up the VetChat subscription. You agree to Petinsurance.com.au providing your contact details to VetChat to set up your VetChat subscription. VetChat subscription will continue for as long as your policy remains active and will no longer be active if your Petinsurance.com.au policy is cancelled for any reason. The VetChat subscription is valued at $199.95 per annum. This offer is not redeemable for cash and cannot be used in conjunction with any other offer. Petinsurance.com.au reserves the right to withdraw or extend this offer at any time, without notice.

VetChat is a third-party subscription-based service independently operated from that of Petinsurance.com.au pet insurance product. Consultations are subject to VetChat’s General Terms and Conditions and Privacy Policies which are available online at www.vetchat.com.au. By accepting this service, you agree that PetSure and or Hollard and or PIPL cannot be held liable for any damage or loss arising from your reliance on the advice derived from the use of the services offered by VetChat.

Please note in the event of an emergency, you should see your local vet. VetChat Vets are not able to prescribe medication or provide you with any information about your insurance policy. Any consultations with VetChat does not guarantee an approved claim.

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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

This includes:

  • Events caused by a malicious act, deliberate injury or gross negligence caused by you or anyone living with you; and
  • Your failure to take all reasonable precautions to protect your pet from situations that may result in injury or illness (such as ingestion of hazardous substances) or from aggravating a treated condition.

Specifed Accidential Injuries

Specified Accidental Injury means physical harm or injury arising from an Accident that is a consequence of or results in one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • an allergic reaction to the following insect and arachnid bites:
  • ants;
  • bees;
  • flies;
  • mosquitoes;
  • scorpions;
  • spiders, and
  • wasps.
  • a bone or traumatic tooth fracture;
  • a snake bite toxicity:
  • a poisoning;
  • an ingestion of foreign object;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses; or
  • lacerations or abrasion of tissue, skin or mucous membrane due to external violence.

Note: Conditions covered by the specified accidental injury cover section of the policy are specified in the PDS.

Specified Illnesses Only

The following Specified Illnesses only:

  • Tick paralysis
  • Heat stroke
  • Gastric dilatation-volvulus (GDV);
  • Trauma induced respiratory impairment (for example, if your Pet chokes or experiences near-drowning);
  • traumatic spinal disc rupture;
  • torn nail;
  • embedded grass seed;
  • soft tissue injury; or
  • eye Trauma