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What does Dog Insurance cover?
Dog Insurance offers cover for 80% of eligible vet costs associated with your best mate’s 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, see page 29 of 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 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:
- 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.
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 partners (including Platform Ventures Pty Ltd (ABN 626 745 177; AR 001266101) under the AAMI Brand) and administered by PetSure (Australia) Pty Ltd (ACN 075 949 923; AFSL 420183) (PetSure). PIPL is an authorised representative of PetSure. PIPL and PIPL’s authorised distribution partners (including Platform Ventures Pty Ltd (ABN 626 745 177; AR 001266101) 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 (PDS) in deciding whether to acquire or continue to hold, Petinsurance.com.au Pet Insurance, and for important information about dispute resolution.
Your pet not being protected