Pet Insurance Cover Options | PIA

Our pet insurance cover options

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Compare our pet insurance cover options

With Pet Insurance Australia, you are able to tailor your pet’s insurance policy to fit your budget and needs. Each dog or cat can have its own policy, offering different types of cover. You also have the ability to add our Routine Care option to your choice of plan.

Cover

Accident Cover

(Accidental injury plan only)

*These are defined policy terms with specific meanings. Please see Part B of the policy document for a definition of the terms.

Comprehensive Cover

(Accidental injury and illness cover)

*These are defined policy terms with specific meanings. Please see Part B of the policy document for a definition of the terms.

Major Medical Cover

(Accidental injury, Illness and Routine Care Cover)

*These are defined policy terms with specific meanings. Please see Part B of the policy document for a definition of the terms.

Annual benefit limit

$8, 000

$15, 000

$15, 145

% of vet bill covered

80%

Subject to stated benefit limits, policy terms and conditions and the excess level you have selected.

80%

Subject to stated benefit limits, policy terms and conditions and the excess level you have selected.

80%

Subject to stated benefit limits, policy terms and conditions and the excess level you have selected.

Excess

One of the best ways to keep your premiums low, but still provide maximum protection, is to choose a higher excess. This lowers your premium considerably, but still provides you with the high level of cover you need.

$0 or $100 or $200 per annum for each unrelated condition

$0 or $100 or $200 per annum for each unrelated condition

$0 or $100 or $200 per annum for each unrelated condition

Covers illnesses

Cancer treatment

Skin conditions e.g. allergies

Ear /eye conditions

Gastrointestinal problems

Infectious diseases

Tick paralysis

Pay an annual limit for veterinary costs relating to the treatment of tick paralysis.

$1000.00

$1000.00

Covers accidental injury

Consultations and visits

Annual Limit

$300.00 $300.00 $300.00

After-hours emergency visits

Specialist care

Laboratory and diagnostic tests

Hospitalisation

Radiology

Prescription medicine & drugs

Surgery

Cruciate ligament surgery

Annual Limit

$2, 600.00* $2, 600.00* $2, 600.00*

Hereditary and congenital conditions

Routine Care Cover

Waiting period

The waiting periods that apply

None for accident

6 months for cruciate ligaments#

30 days
for illness
conditions

6 months for cruciate ligaments#

30 days
for illness
conditions

6 months for cruciate ligaments#

Lifetime cover – renewal offer guaranteed

21 day cooling off period

Emergency boarding fees

We will pay up to $20.00 per day for the cost of boarding at a licensed boarding facility if your pet is hospitalised for more than 5 days up to a maximum of:

$500.00 per year

$1000.00 per year

$1200.00 per year

Overseas pet travel insurance

We will pay for eligible veterinary costs that your pet has incurred whilst it is on holiday with you in destinations where your pet is not required to be quarantined on return to Australia.

Discount: up to 15%

We offer an incremental 5% discount for each additional pet you insure after the first one up to a maximum discount of 15%.

Example:

2nd pet – 5%
3rd pet-10%
4 and more pets -15%

*you may be eligible for a higher limit and if so this will be specified in your certificate of insurance

#There is a 6 month waiting period for cruciate ligament claims. This waiting period may be waived at our discretion. For details on the waiver process, refer to pages 16 and 17 of the PDS http://www.petinsuranceaustralia.com.au/important-notices/

 

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