Dog Insurance

We are currently unable to provide a quote for Pet Insurance, and are working to resolve this as quickly as possible. If you are an existing customer, you can direct your query to Petinsurance.com.au by contacting
1800 841 114 (8am – 8pm Monday-Friday).

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

Up to $20,000

Up to $20,000

Up to $30,000

Benefit Percentage

80%

80%

80%

Excess
(per condition, per policy period)

$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 specified accidental injuries

Specifed Accidential Injuries

Specified Accidental Injury means physical harm or injury arising from at least one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • a reaction to a bite from an insect, spider or scorpion (excluding fleas);

OR the specified accidental injury must be one of the following:

  • a bone fracture;
  • a traumatic tooth fracture;
  • snake bite toxicity:
  • poisoning;
  • 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 trauma; or
  • a cruciate ligament condition (waiting periods apply).

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 at least one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • a reaction to a bite from an insect, spider or scorpion;

OR the specified accidental injury must be one of the following:

  • a bone fracture;
  • a traumatic tooth fracture;
  • snake bite toxicity:
  • poisoning;
  • 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 trauma; or
  • a cruciate ligament condition (waiting periods apply).

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 at least one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • a reaction to a bite from an insect, spider or scorpion;

OR the specified accidental injury must be one of the following:

  • a bone fracture;
  • a traumatic tooth fracture;
  • snake bite toxicity:
  • poisoning;
  • 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 trauma; or
  • a cruciate ligament condition (waiting periods apply).

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);
  • Intervertebral disc disease (IVDD) or a 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 sub-limit

$3,000 per leg per policy period

$4,000 per leg per policy period

Up to annual benefit limit

Hip Joint Surgery sub-limit
(Total Hip Replacements are included)

$6,000 per hip

$6,000 per hip

Up to annual benefit limit

Emergency Boarding

$1,000

$1,000

$1,500

Dental Illness Limit

$1,000
(Optional Cover - in addition to your annual benefit limit)

$1,000
(Optional Cover - in addition to your annual benefit limit)

$1,000
(included - as part of your annual benefit limit)

Waiting Period

0 days for specified accidental injury

21 days for illness and Specified Illness

6 months for cruciate ligament conditions

6 months for dental illness (if this optional benefit is taken)

Optional Extras Available

Routine Care
(non-insurance benefit)

Dental Illness benefit

Routine Care
(non-insurance benefit)

Dental Illness benefit

Routine Care
(non-insurance benefit)

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.

  • Pre-existing conditions
  • Dental care (unless Platinum cover or optional Dental Illness Benefit is selected)
  • Day-to-day care

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).

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

Modal Title

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

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).

Specifed Accidential Injuries

Specified Accidental Injury means physical harm or injury arising from at least one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • a reaction to a bite from an insect, spider or scorpion (excluding fleas);

OR the specified accidental injury must be one of the following:

  • a bone fracture;
  • a traumatic tooth fracture;
  • snake bite toxicity:
  • poisoning;
  • 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 trauma; or
  • a cruciate ligament condition (waiting periods apply).

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 at least one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • a reaction to a bite from an insect, spider or scorpion;

OR the specified accidental injury must be one of the following:

  • a bone fracture;
  • a traumatic tooth fracture;
  • snake bite toxicity:
  • poisoning;
  • 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 trauma; or
  • a cruciate ligament condition (waiting periods apply).

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);
  • Intervertebral disc disease (IVDD) or a traumatic spinal disc rupture;
  • torn nail;
  • embedded grass seed;
  • soft tissue injury; or
  • eye Trauma