Dog Insurance
One flexible plan. Claim up to $35,000 a year.2
- Annual benefit limits: $15,000, $25,000 & $35,0002
- No hidden sub-limits
- Get up to 70%, 80% or 90% back on eligible vet bills14
- Flexible excess options4
- Multi-pet discounts12
- Fast GapOnly® claims11
- Quick online quote in minutes
Award Winning Pet Insurance You Can Trust.
2022 Canstar Innovation Excellence
2024 MOZO Experts Choice Awards Exceptional Value Accident & Illness Pet Insurance
2025 Product Review Pet Insurance Provider of the Year
Flexible Dog Insurance With Your Dog In Mind
Finding the right pet insurance doesn’t need to be confusing. It should be as straightforward as giving them a belly rub! With Pet Insurance Australia, one plan does it all, and you decide how it works.
| Option | What It Means | Your Choices | Why |
|---|---|---|---|
| Annual benefit limit2 | This is the maximum amount you can claim for per policy period, subject to any applicable excess, for eligible accidental injuries and illnesses, as well as emergency boarding. Booster Care and Routine Care (non insurance benefit) are subject to their own limits. | $15,000; $25,000 and $35,000 | Lower for budget-conscious premiums; higher if you want more protection. |
| Benefit Percentage14 (Reimbursement) | The percentage of the eligible vet bill we will cover before the applicable annual excess is applied. Where applicable, it is also subject to the annual benefit limit or Booster Care limit. | 70%, 80%, 90% | Higher % can allow you to claim more back on your eligible vet bills. |
| Annual Excess4 | The amount you may contribute to your claim. The annual excess applies to each eligible claim in the policy period until fully paid. | $0, $100, $300, $600* *$600 annual excess not available with 70% benefit percentage | Choose a higher annual excess to help lower your premium. Just remember you may pay more out of pocket at claim time. |
| Routine care add-on7 | Optional non-insurance benefit to cover for everyday care such as vaccinations, microchipping, flea/tick | An optional benefit which you can add to your policy | Add for additional vet-cost cover. |
| Specified dental conditions add-on (Booster Care13) | Optional cover for specified dental conditions, subject to the Booster Care limit of $2500 | An optional benefit which you can add to your policy | Add for extra vet-cost protection; Great for breeds prone to dental issues. |
| Specialised therapies add-on (Booster Care13) | Optional cover for specialised therapies, subject to the Booster Care limit of $2500 | Add to your policy or skip | Add to boost vet-cost protection; skip to lower premium |
| Waiting periods8 | The time from your policy start date when your pet isn’t covered for certain conditions or benefits in the first year you first obtained cover for them. If a condition exists or occurs during the waiting period, it will be considered a pre-existing condition and may be excluded from cover. | Accidental injury – 2days Illness – 30days Cruciate Ligament Conditions – 6 months Specified dental conditions (Booster Care) – 6 months Behavioural conditions (Booster Care)– 30days | Starting early helps ensure your pet is covered sooner rather than later |
| Multi-pet discount12 | A percentage saving when you insure more than one pet. | Get 5% off for each additional pet you insure after the first, up to 15% max. Example: 2nd pet: 5% | Helpful for multi-pet households. |
| Choice of vet | Use any licensed vet in Australia, other than yourself. | Included on all policies | Continue care with your preferred vet |
Flexible Dog Insurance With Your Dog In Mind
Finding the right dog pet insurance doesn’t need to be confusing. It should feel as straightforward as giving them a belly rub! With Pet Insurance Australia, one plan does it all, and you decide how it works.
Annual Benefit Limit2
What It Means
This is the maximum amount you can claim for per policy period, subject to any applicable excess, for eligible accidental injuries and illnesses, as well as emergency boarding.
Booster Care and Routine Care (non insurance benefit) are subject to their own limits.
Your Choices
$15,000; $25,000 and $35,000
Why
Lower for budget-conscious premiums; higher if you want more protection.
Benefit Percentage14 (Reimbursement)
What It Means
The percentage of the eligible vet bill we will cover before the applicable annual excess is applied.
Where applicable, it is also subject to the annual benefit limit or Booster Care limit.
Your Choices
70%, 80%, 90%
Why
Higher % can allow you to claim more back on your eligible vet bills.
Annual Excess4
What It Means
The amount you may contribute to your claim. The annual excess applies to each eligible claim in the policy period until fully paid.
Your Choices
$0, $100, $300, $600*
*$600 annual excess not available with 70% benefit percentage
Why
Choose a higher annual excess to help lower your premium. Just remember you may pay more out of pocket at claim time.
Routine Care Add-On7
What It Means
Optional non-insurance benefit to cover for everyday care such as vaccinations, microchipping, flea/tick
Your Choices
An optional benefit which you can add to your policy
Why
Add for additional vet-cost cover.
Specified Dental Conditions Add-On (Booster Care13)
What It Means
Optional cover for specified dental conditions, subject to the Booster Care limit of $2500
Your Choices
An optional benefit which you can add to your policy
Why
Add for extra vet-cost protection; Great for breeds prone to dental issues.
Specialised Therapies Add-On Add-On (Booster Care13)
What It Means
Optional cover for specialised therapies, subject to the Booster Care limit of $2500
Your Choices
Add to your policy or skip
Why
Add to boost vet-cost protection; skip to lower premium
Waiting Periods
What It Means
The time from your policy start date when your pet isn’t covered for certain conditions or benefits in the first year you first obtained cover for them.
If a condition exists or occurs during the waiting period, it will be considered a pre-existing condition and may be excluded from cover.
Your Choices
Accidental injury – 2days
Illness – 30days
Cruciate Ligament Conditions – 6 months
Specified dental conditions (Booster Care) – 6 months
Behavioural conditions (Booster Care)– 30days
Why
Starting early helps ensure your pet is covered sooner rather than later
Multi-Pet Discount12
What It Means
A percentage saving when you insure more than one pet.
Your Choices
Get 5% off for each additional pet you insure after the first, up to 15% max.*
Example:
2nd pet: 5%
Why
Helpful for multi-pet households.
Choice Of Vet
What It Means
Use any licensed vet in Australia, other than yourself.
Your Choices
Continue care with your preferred vet
Why
Helpful for multi-pet households.
What's Covered
Set your annual benefit limit ($15,000, $25,000 $35,0002), decide whether you’d like 70%, 80% or 90% back on eligible vet bills.13, and choose an annual excess4 that suits your needs. This flexibility makes it easy to balance what you pay with how much you get back.
| What is Covered in all Plans |
|---|
Specified Accidental injuries and illnesses |
Tick paralysis |
Cancer treatment |
Skin conditions |
Hereditary and congenital conditions |
Emergency boarding |
Eye and ear conditions |
Cruciate ligament conditions (6 month waiting period applies but may be waived on application) |
| Exclusions |
|---|
Certain pre-existing conditions |
Dental procedures ($2,500 with Booster Care13) |
Behavioural problems ($2,500 with Booster Care13) |
Elective treatments and procedures |
Food and diets |
Grooming |
Pregnancy |
Pet accessories |
Routine Care (optional non-insurance benefit)
Because prevention is just as important as treatment, our optional Routine Care7 helps cover the everyday essentials your dog needs to stay happy and healthy. Our Routine Care7 non-insurance benefit helps with the basics, from vaccinations and desexing through to regular wellness checks (up to $200 a year), so you can stay on top of their health.
Get your first 2 months free when you sign up1
Why Insure Your Dog With PIA
Any Vet, Anywhere
Visit any registered vet across Australia
LiveVet®¹⁰ Access
Complimentary 24/7 online vet care whenever you need advice
Fast Claims with GapOnly®¹¹
At over 1,000 clinics, you just pay the gap on eligible claims; we handle the rest
Multiple Annual Benefit Limits2
Choose from $15,000, $25,000 or $35,000, depending on your needs
Save with Multi-Pet Discount¹²
Multi-tiered discounts available when you insure more than one pet: 2nd pet: 5%, 3rd pet: 10%, 4th and any subsequent pets: 15%
Pick what suits you: $0, $100, $300, $600 (not available on the 70% plan)
What Dog Owners Say About PIA
Don’t just take our word for it. PIA holds a 4.7-star rating on Google from over 600 Australian pet owners. Here’s what dog owners say about our cover, and how we helped when it mattered most.
Testimonials are based on individual circumstances and varying factors such as cover options, excess, risk ratings and available discounts apply
How We Will Settle
Your Claim
Meet Jasper
Meet Emily and her energetic Border Collie, Jasper. After dealing with unexpected vet bills from her last dog’s allergies, Emily knows the value of being proactive. Determined to be ready when life happens, she opts for maximum cover to keep Jasper protected in every adventure. With his love for chasing tennis balls, exploring muddy trails, and investigating every new scent, Emily feels confident knowing her spirited sidekick is covered.
| Annual benefit limit | $35,000 |
|---|---|
| Benefit percentage (reimbursement) | 90% |
| Annual Excess selected | $0 |
| Optional add-ons: | Booster Care (for specified dental conditions and specialised therapies like physio and prescribed medication for behavioural conditions) + Routine Care, non-insurance benefit (to help with eligible non-insurance everyday wellness items like vaccinations). |
Emily’s past experience taught her that vet bills can escalate quickly. A $0 annual excess means there’s no upfront deductible on eligible claims (though a lower excess can mean a higher premium), and a 90% benefit percentage keeps her out-of-pocket costs manageable. Adding Booster Care and Routine Care (non-insurance benefit) provides extra peace of mind for Jasper’s active lifestyle and breed-specific needs.
Emily will pay:
- Eligible Vet bill: $2,000
- Annual Excess: $0
- Pet Insurance Covers 90% = $1,800
- Emily pays 10% = $200 out of pocket
Example only. Customer experience may vary depending on individual circumstances. Claims assessment subject to policy terms and conditions. Please refer to the Product Disclosure Statement and Target Market Determination before deciding if this product is right for you
When the Unexpected Happens
Serious illness and accidents can happen to any dog, and the bills can arrive without warning. Below are ten of the most common conditions we see in dogs, alongside the highest amount PIA has paid on a single claim for each, so you can see what unexpected care can cost and how cover helps.
Top 10 Conditions & Their Max Claim Amounts
| Skin Condition – Infection/Allergy/other Signs and Symptoms | $7,508.72 |
| Ear Condition | $7,725.00 |
| Gastrointestinal Tract Condition | $27,917.70 |
| Muscle/Skeletal Condition – Arthritis | $9,910.29 |
| Skin Condition – Lumps and Bumps | $13,423.72 |
| Muscle/Skeletal Condition | $14,101.93 |
| Accident – Tissue Damage or Fracture (Trauma) | $15,081.01 |
| Neoplasia or Mass Lesion | $14,760.90 |
| Eye Condition | $8,567.42 |
| Neurological Condition | $20,491.25 |
*Petsure data for PIA claims 2025
Frequently
Asked Questions
What does my dog insurance cover?
Does my dog insurance cover dental?
Does my dog insurance cover therapies like physio or acupuncture?
No, but you are able to add optional Booster Care to your policy. With Booster Care you’ll be covered up to $2,500 for eligible expenses for specialised therapies when deemed necessary by your vet to treat a covered condition. This includes holistic therapies such as physiotherapy, hydrotherapy, acupuncture, and chiropractic treatments, provided they’re carried out by qualified professionals. 13 Learn more about how Booster Care works.
Please note: The Booster Care limit is the maximum amount payable during the policy period across both specified dental conditions and specialised therapies combined.
Can I add preventative care to my dog insurance?
Yes. By adding the Routine Care option, you’ll receive up to $200 each year to use towards everyday preventative services for your dog such as vaccinations, microchipping, desexing, flea/tick/worm control, nail clipping, health checks, obedience training, and more. Routine Care is a non-insurance benefit.7 Learn more about how Routine Care works.
How much can my dog insurance pay each year?
You can choose an annual benefit limit of up to $15,000, $25,000, or $35,000.
What percentage of my dog's vet bills will be reimbursed?
You select the level of reimbursement: up to 70%, 80%, or 90% of eligible vet bills. The higher the benefit percentage, the less you can expect to pay out of pocket on successful claims. However, please note this may result in a higher premium.
What excess applies to my dog insurance?
You can choose an annual excess of $0, $100, $300, or $600. (Note: the $600 excess option is not available with 70% benefit percentage.)
Does my dog insurance have sub-limits?
No. Select & Protect has no sub-limits for conditions or treatments. Eligible claims are paid up to your chosen annual benefit limit.2
Note: If optional Booster Care is selected in addition to your annual benefit, it has a separate limit of $2,500 per policy period for specified dental conditions and specialised therapies. Additionally, if optional Routine Care (non-insurance benefit) is chosen routine care items are subject to an annual $200 limit.
Does my dog insurance cover pre-existing conditions?
Chronic pre-existing conditions are excluded. However, if your dog had a temporary condition that has been symptom-free for a set period, it may be considered for future cover. To learn more about how pre-existing conditions work here.
How do I make a claim on my dog?
You can claim by email, through our online portal, or instantly at participating GapOnly®11 vets—where claims are assessed on the spot and you only pay your share (“the gap” – the difference between the vet’s invoice and the eligible claim benefit under your pet insurance polic). You can apply for pre-approval, make claims via your vet, post, or online. For more information on how to make a claim take a look here.
How long is the waiting period for my dog insurance?
- Accidental injuries: 2 days
- Illness: 30 days
- Cruciate ligament conditions: 6 months
- Specified dental conditions (with Booster Care): 6 months
- Behavioural conditions (with Booster Care): 30 days
- Note: The waiting period that applies for specialised therapy items is dependent on the waiting period for the covered condition.
How is my dog insurance premium calculated?
Premiums are based on your dog’s breed, age, and the level of cover you choose (benefit limit, reimbursement (benefit) percentage, and annual excess).
Can I use any vet with my dog insurance?
Yes, you can use any licensed vet in Australia, other than yourself. For faster claim processing, you can also visit over 1,000 participating GapOnly®11 vets.
Should I insure my dog while they're young?
Insuring your dog early means they can be protected early, and at times, before health conditions develop. Once covered, new conditions that develop along the way can be eligible for cover under your policy.
For Care They Deserve,
You can count on PIA to deliver.
