PIAREFER Terms and Conditions

PIAREFER Terms and Conditions

This policy is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Pet Insurance Australia Pty Ltd ABN 85 113 507 850, AR 326233. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at petinsuranceaustralia.com.au.

2Depending on your level of cover. Policy T&Cs, limits, exclusions, waiting periods and excess may apply.

5T&Cs Apply. MyPetPass® is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available to holders of active policies. myPetPass® perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass® perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPass® through the offer or provision of perks, or that the myPetPass® rewards programme or any myPetPass® perks or features of myPetPass® will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms.

9Terms & Conditions Apply. Offer commences on 07th  December, 2026 at 12.00am AEDT and ends on 30th June, 2026 at 11.59pm AEST (Offer Period). Offer provides new customers with three months free, in their first policy year only, when they purchase a PIA Pet Insurance Policy during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first three months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the fourth month of your policy. For annual payments, the three months free will be deducted from your first policy year premium at the time of purchase. Offer applies to new PIA Pet Insurance policies purchased during the Offer Period, online or by phone using promo code PIA303. Offer will cease if you change your level of cover. Not available with any other offer except for multi-pet discount for additional pets. Offer subject to the terms and conditions of the PIA Pet Insurance policy. Eligibility criteria applies for PIA Pet Insurance and is subject to the PIA Pet Insurance terms and conditions (refer to the Product Disclosure Statement). PIA Pet Insurance reserves the right to withdraw, vary or extend this Offer at any time, without notice.

10Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use.

13Policy T&Cs, Booster Care limit, applicable benefit percentage, waiting periods and exclusions apply. Annual excess may apply.

These Terms and Conditions (“Terms”) govern the Family and Friends Referral Program (“the Program”) offered by Pet Insurance Australia Pty Ltd ABN 85 113 507 850 (“PIA”). By participating in the Program, participants agree to the following terms:

1.0 Eligibility
1.1 To participate in the Program as a referrer, you must be an existing PIA customer with an active in force policy (“Referrer”).
1.2 Employees, agents, and representatives of PIA and their immediate family members are not eligible to participate in the Program.

2.0 Referrals
2.1 Referrers must provide referrals of PIA Pet Insurance in the format provided by PIA between 12:01am AEDT, 1 January 2025 to 11:59pm AEDT, 30 June 2026 (“Referral Period”).
2 A referral is valid only if the referred customer:
purchases a new PIA pet insurance policy through the referral link provided by the Referrer during the Referral Period; and keeps the policy active and pays all premiums due for 120 consecutive days without changing their level of cover,  cancellation, lapse, or overdue payments.
2.3 There is no limit to the number of referrals a Referrer can make. However, only the first valid 10 referrals in the Referral Period are eligible for the referral reward in clause 3.
2.4 Referrals must comply with all applicable laws and regulations, and Referrers must not use spam, fake accounts, or other unethical methods to generate referrals.

3.0 Referral Reward
3.1 For each valid referral made during the Referral Period, the Referrer will receive a $50 Amazon gift card fulfilled by 212F Pty Ltd (“Reward”).

3.2 The Reward will be issued via email to the email address on file within 30 days after eligibility of the referral is confirmed. The Referrer acknowledges that they will only be notified by PIA of successful referrals which are eligible for the Reward.
3.3 PIA accepts no responsibility for lost, misdirected or delayed Reward emails.
3.4 The Reward is subject to third party terms and conditions available here: <URL>.
3.5 Rewards are non-transferable, non-refundable, and cannot be exchanged for cash or other alternatives.
3.6 PIA reserves the right to offer a substitute reward of the same value should the requested reward not be available.
3.7 PIA reserves the right to withhold or revoke rewards if there is evidence of abuse, fraud, or non-compliance with these Terms.

4.0 Referred Customers
4.1 To participate in the Program as a referred customer, you must use the Referrer’s unique link prior to purchasing a PIA Pet Insurance policy during the Referral Period.

4.2. Referred Customers  will receive a $50 Amazon gift card fulfilled by 212F Pty Ltd (“Reward”).

4.3 The Reward will be issued via email to the email address on file within 30 days after eligibility of the referral is confirmed. The Referred Customer acknowledges that they will only be notified by PIA of successful referrals which are eligible for the Reward.

4.4 Referred customers are eligible to receive 3 months free in their first year of cover at the time of purchase subject to the following:

Offer commences on 12:01am AEDT, 1 January 2026 and ends on 11:59pm AEDT, 30 June 2026 (Offer Period). Offer provides new customers with three months free in their first policy year only when they purchase a Pet Insurance Australia (PIA) Pet Insurance Policy during the Offer Period through the referral link provided (Offer). For monthly or fortnightly instalment payers, you will not be charged an instalment for the first three months of your first policy period and your instalments will commence to be charged from the fourth month of your policy period. For annual payments, the three months free will be deducted from your first policy year premium at the time of purchase. Offer applies to new PIA Pet Insurance policies purchased during the Offer Period, online or by phone using promo code PIAREFER. Offer will cease if you change your level of cover. Not available with any other offer except for the 10% multi-pet discount for additional pets. Offer subject to the terms and conditions of the PIA Pet Insurance policy available <www.petinsuranceaustralia.com.au>. Eligibility criteria applies refer to the Product Disclosure Statement. PIA Pet Insurance reserves the right to withdraw, vary or extend this Offer at any time, without notice.

5.0 Privacy
5.1 By participating in the Program, participants agree that their personal information may be collected, used, and disclosed in accordance with PIA’s Privacy Policy.

6.0 General
6.1 These Terms are governed by the laws of New South Wales.
6.2 PIA reserves the right to modify, suspend, or terminate the Program at any time without prior notice.
6.3 In the event of termination, valid referrals made before the termination date will still be honoured in accordance with these Terms.
6.4 All decisions made by PIA are final with respect to all matters relating to the Program and no further correspondence or discussions will be entered into.
6.5 If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
6.6 To the maximum extent permitted by law, PIA is not liable for any loss, claim, cost, expense, liability, or injury suffered by any person in any way associated with the Program including the unavailability or provision of any rewards.
6.7 Pet Insurance Australia policies entered into for the first time prior to 8 May 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representative (AR) Pet Insurance Australia Pty Ltd ABN 85 113 507 850, AR 326233 (PIA). Pet Insurance Australia policies entered into for the first time on or after 8 May 2023 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, PIA. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at petinsuranceaustralia.com.au.

1 - Terms & Conditions Apply. 2 Month Offer Terms & Conditions can be viewed by clicking here

2 - Depending on your level of cover. Policy T&Cs, limits, exclusions, waiting periods and excess may apply.

3 - You may be eligible for a higher limit; if so, this will be specified in your certificate of insurance.

4 – Applies per Policy Period and is deducted from the benefit payable to you, depending on the cover option chosen. Please note the $600 excess option is not available with a 70% benefit percentage.

5 – T&Cs Apply. MyPetPass® is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available to holders of active policies. myPetPass® perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass® perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPass® through the offer or provision of perks, or that the myPetPass® rewards programme or any myPetPass® perks or features of myPetPass® will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms.

6 – After all documentation received.

7 - A separate limit applies to the non-insurance Routine Care item. Routine Care limits apply to specific routine care items. Click here for more info.

8 - 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 the applicable Product Disclosure Statement.

9 - Terms & Conditions Apply. 3 Month Offer Terms & Conditions can be viewed by clicking here

10 - Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use.

11 - Available at participating vets, find your nearest GapOnly® Vet at gaponly.com.au. The gap is the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. GapOnly® is available on eligible claims at participating vets with a pet insurance policy from a GapOnly® pet insurance partner.

12 - A 5% discount off your second pet insured, 10% discount off your third pet insured, 15% discount off your fourth and subsequent pets insured. For full terms and conditions of this discount, click here

13 - Policy T&Cs, Booster Care limit, applicable benefit percentage, waiting periods and exclusions apply. Annual excess may apply.

14 - Policy T&Cs, limits, exclusions and waiting periods apply. Annual excess may apply.

15 - Depending on the level of cover chosen

Pet Insurance Australia policies entered into for the first time prior to 8 May 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted, distributed and arranged by PetSure’s Authorised Representative (AR) Pet Insurance Australia Pty Ltd ABN 85 113 507 850, AR 326233 (PIA). Pet Insurance Australia policies entered into for the first time on or after 8 May 2023 and subsequent renewals of those policies are issued by PetSure and promoted, distributed and arranged by PetSure’s AR, PIA. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. the PDS and Target Market Determination available at petinsuranceaustralia.com.au.

We understand that there are times when our customers may be feeling vulnerable due to a range of factors. In these situations, we are committed to taking extra care and recognise these vulnerabilities can give rise to unique needs, which can change over time or in response to particular situations. If you are experiencing vulnerability and would like more information on the extra care we can provide please email us on [email protected]. You can also access our underwriter’s Family Violence Policy here, and their website also contains additional accessible ways you can contact us.

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