We are a family owned Australian Pet Insurance business, with a long & successful history in the pet industry. Not only do we have years of experience, but we have an international reputation for excellence. As a family, we have a long and successful history in the pet industry.
We take pride in the fact that we are not just business owners; we are pet people and pets are part of our daily lives. We believe that being passionate is the key to business success and we’ve delivered exactly that to all our customers.
After many years of being in the pet industry game, we started to realise that pet owners just couldn’t afford the rising cost of vet care. We started to offer to pay for their vet bills to make sure their pets receive the best treatment, not only because we know pets are important to owners, but because we are passionate about our customers and their pets. No animal or person should suffer, because of something as simple as expensive vet care. Receiving the money back was not a priority for us. The health of the pet was far more important.
After a bit of thinking and our unprecedented motivation to always look after our four legged friends, we launched PIA in 2008. Since then we’ve seen concerned expressions about financial worries disappear and relieved smiles appear, witnessing first-hand how beneficial pet insurance could be. Thousands of customers, including you, can now benefit from their pets being insured.
We are pet owners ourselves, so we know the joy our four legged friends can give us as well as the heartfelt pain you experience when you lose them. That is why we focus only on pet insurance to ensure that your pet is always covered in case of a specified accidental injury or illness.
With over 30 years in the Australian pet industry, Pet Insurance Australia (PIA) is a trusted name in dog and cat insurance. As a proudly family-owned business, we understand just how much pets mean to your life, and we’re here to help you protect them.
We’ve designed one flexible policy — Select & Protect — for both dogs and cats. Select your annual benefit limit, benefit percentage, and preferred annual excess from the options available to choose cover that works for you. That means more control over premiums and out-of-pocket costs.
As a Pet Insurance Australia policyholder, you’ll also get access to:
Fast, simple claims with GapOnly®, available at over 1,000 vets
Optional Routine Care (non-insurance benefit) for preventative items, or Booster Care for specified dental conditions and specialised therapies
Plus, gain access to free pet perks! As a PIA customer, you’ll enjoy complimentary access to myPetPass®, unlocking 24/7 online vet care, discounts on pet medications, savings on essentials, and more — all at no extra cost.
It’s smarter, simpler pet insurance — for your life and your pet.
Whether you’re a dog person, cat person or both, Pet Insurance Australia makes it simpler to protect your four-legged family members. Explore our dog insurance and cat insurance options to find cover that suits your pet’s needs.
Benefits include:
Flexible annual benefit options – $15,000, $25,000 or $35,0002
Choose your benefit percentage and claim up to 70%, 80% or 90%15
Choice of annual excess amount – $0, $100, $300 or $600 (note: $600 not available with 70% benefit option)4
Optional Booster Care13
Optional Routine Care (non-insurance benefit)7
Multi-Pet discounts12
Convenient GapOnly®11 claims at participating vets
Complimentary 24/7 Vet Advice with LiveVet10
We will be honest with you, as we always are and will be, not everything will be covered with all insurance policies. To help you understand the cover that we offer, we have put together some Questions and Answers. A quick guide to help you make a decision that would best fit you and your pet.
We also provide you with our Product Disclosure Statement and Financial Services Guide which we recommend you read, so that you understand what is and isn’t covered.
You’re Always Safe With Us!
PIA Policies entered into for the first time prior to 8 May 2023 (and subsequent renewals of those policies) are:
PIA Policies entered into for the time on or after 8 May 2023 (and subsequent renewals of those policies) are:
The Hollard Insurance Company Pty Ltd, and its related entity, PetSure (Australia) Pty Ltd, together are Australia’s leaders in pet insurance. They have more than 20 years’ experience in this insurance product and collectively insure well in excess of half a million dogs and cats across Australia.
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.