Pet Insurance Australia

Pet insurance helps provide financial assistance towards eligible vet expenses resulting from an unexpected illness or specified accidental injury.

At Pet Insurance Australia, we offer three different levels of cover to choose from depending on your requirements – you should consult the relevant Product Disclosure Statement for the full policy Terms and Conditions.

We love pets of all shapes and sizes. However, at this stage, we only offer insurance for cats and dogs. Breeds of cats and dogs that have been listed by your State or Territory as dangerous, prohibited or restricted are not covered.

Pet Essentials – Specified Accidental Injury and Illness Cover (subject to an annual condition limit).

Comprehensive Cover – specified Accidental Injury and Illness Cover^.

Major Medical Cover – Specified Accidental Injury, Illness and Routine Care Cover (non-insurance benefit).

Compare our policies options here.

The Waiting Periods that apply are:

30 days – for Conditions covered under the Illness Cover.

6 months – for Cruciate Ligament Conditions (may be waived on application, refer to the Product Disclosure Statement for more information.

Specified accidental injuries are covered from 11:59pm from the commencement date of the first policy period.

As with most insurance products, there are certain situations where you will not be covered.

There are some general exclusions such as Pre-existing Conditions, dental procedures and fractured teeth, routine or preventative Treatments (unless Routine Care (non-insurance benefit)is purchased, which provides benefits up to the Routine Care limits), some Elective Treatments and procedures and breeding or obstetrics.

There may also be specific exclusions which may apply to specific levels of Cover. It is important that you read all of your policy documentation for full details.

You can apply for Pet Essentials cover as long as your pet is over 8 weeks of age and younger than 12 years. For Comprehensive and Major Medical cover, pets need to be over 8 weeks of age and younger than 9 years when you apply.

Yes. We cover for hereditary and congenital conditions as long as there are no signs or symptoms of that condition prior to the commencement of your policy or within the applicable waiting period.

Like all insurance, anything that existed, or you or your vet were aware of prior to your policy or during the applicable waiting period is generally excluded from cover.

Insurance policies are there to protect against the unexpected so for this reason, claims relating to pre-existing conditions are not covered. This helps keep coverage fair for all of our customers.

However, we know that some conditions can genuinely be resolved or cured. So, for that reason, pre-existing conditions are assessed differently depending on whether they are chronic conditions or temporary conditions for your pet.

See Pre-existing Condition page for more information.

Yes, you can use any vet who is licensed to practice in Australia other than yourself.

For adopted Pets, if you can provide us with proof of adoption or transfer of ownership papers we will only request veterinary history from the date you took ownership onwards.

It’s super easy! You can claim on the spot at a GapOnly® enabled vet, on our online portal, or in the mail.

Visit our “How to Make a Claim” page for more information.

More details about the claim process can be found in your designated Pet Insurance Product Disclosure Statement.

Once we receive all required documentation, your claim will be processed as soon as possible and if approved, reimbursed to you or your vet depending on your claim option.

No there is no limit. However caps, and annual limits will apply to your policy for more information on caps and limits check out our Cover Options page.

To get a non-obligation quote, visit our quick and easy online system for quotes.

VetChat connects you with trusted Australian vets via online chat or video call, within minutes, anytime, anywhere. Whether it’s providing vet advice, setting up at-home treatment plans, or confirming if you need to visit a vet in person, you can have peace of mind knowing you can get vet advice when you need it. 

 As an added perk to having a policy with us, you can get access to a VetChat consult membership. That means you get access to VetChat when you need it with up to 4 consults per month for your entire current policy period. 

Please note, VetChat is a non-insurance product that is separate from your pet insurance policy and is separately provided by VetChat Services Pty Ltd. Visit https://petinsuranceaustralia.vetchat.com.au/ for more information and T&Cs. 

If you’ve registered for VetChat already, there’s nothing else you need to do, just sign in as you’ve done previously. If you’re not already registered, visit here to create an account and access vet care online anytime, anywhere. All you need is your email address and policy number.

If your vet is GapOnly® enabled, you can claim on the spot with GapOnly.® Once the claim has been processed and if approved, you simply pay the gap (the difference between the vet’s invoice and the calculated benefit under your policy). Alternatively, if you’re unable to wait, you can ask your vet to submit an eClaim on your behalf. Contact our team on 1800 043 552 if you’d like more information.