Compare Pet Insurance Cover Plans
Now More Flexible Than Ever
Choosing pet insurance doesn’t have to be complicated. At Pet Insurance Australia, we keep things simple with one comprehensive policy you can choose different flexible options to suit your needs and your budget. Whether you’re after dog insurance or cat insurance, our cover gives you clear choices, from benefit limits and reimbursement (benefit) percentages to optional Routine Care7 (non insurance benefit) and Booster Care13. As an award-winning pet insurance provider, we’re proud to help Aussie pet parents care for their furry family members.
Claim Up To
$35,000
In Annual Benefit Limits2
Policy & Flexibility Options
| 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 periods | 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 |
Examples of How We Will
Settle Your Claim
Meet Moose
Meet Sarah and her affectionate Labrador, Moose. After experiencing the stress and expense of chronic health issues with her previous dog, Sarah knows the importance of being prepared. Determined to get ahead at claim time, she chooses maximum cover to ensure Moose is protected from nose to tail. With his love for swimming, rolling in the grass, and sampling anything that smells remotely edible, Sarah takes comfort knowing her curiouscompanion is.
Example claim (accidental injury)
Moose tears a dewclaw at the dog park.
- Eligible Vet bill: $2,000
- Annual Excess: $0
- Pet Insurance Covers 90% = $1,800
Sarah pays 10% = $200 out of pocket
(This is an example only. Actual outcomes depend on eligibility, waiting periods, exclusions and any applicable policy limits.)
Meet Banjo
Meet Liam and his energetic Kelpie, Banjo. Living in a compact city apartment, Liam makes sure Banjo gets plenty of park time each day to burn off that Kelpie energy. While Banjo’s life is full of play, fetch, and the occasional muddy sprint, Liam knows unexpected vet visits can still happen. To keep things simple, he chooses a plan with a mid-range annual benefit limit, a $300 annual excess, and added Booster Care—because Banjo’s love for chew toys is unmatched. It’s a practical choice that fits their busy, active lifestyle perfectly.
Liam chooses a mid-range annual benefit limit of $25,000, an annual excess of $300 with an 80% benefit percentage (reimbursement), alongside Booster Care to cover specified dental conditions and specialised therapies. This means if Banjo suffers an accidental injury (covered under his policy) to the cost of $2,000, Liams out of pocket expenses would be:
Eligible Vet bill: $2,000
Less annual excess: $300 → remaining $1,700
Pet Insurance Australia will cover 80% of $1,700 = $1,360
Liam will pay:
Annual Excess: $300
20% on $1,700 = $340
Total out-of-pocket = $640
So Liam would be $640 out of pocket, and the insurance reimbursement would be $1,360.
(This is an example only. Actual outcomes depend on eligibility, waiting periods, exclusions and any applicable policy limits.)
Examples of How We Will
Settle Your Claim
Meet Poppy
Meet Josh and his lively Spoodle, Poppy, a bundle of curls, energy, and charm. Though Poppy’s favourite form of exercise is sprinting from the couch to the kitchen, Josh knows that even the most playful pups can run into trouble. Wanting solid protection for those unexpected vet visits without stretching his budget too far, he chooses a plan that helps keep his premiums manageable, giving Poppy plenty of room to zoom.
• Annual benefit limit: $15,000 (low range)
• Benefit percentage (reimbursement): 70%
• Annual Excess: $300
• Add-ons: None selected (no Booster Care or Routine Care (non insurance benefit))
Poppy slices her paw on a shell at the beach and needs treatment plus one night in hospital. The eligible vet bill totals $1,500 (consult, treatment, meds, hospitalisation).
• Vet bill: $1,500
• Less excess: $300 → remaining $1,200
• Pet Insurance Australia covers 70% of $1,200 = $840
Josh pays: $300 excess + 30% of $1,200 ($360) = $660 out of pocket
Insurance Reimbursement $840 | Josh’s out-of-pocket $660
(This is an example only. Actual outcomes depend on eligibility, waiting periods, exclusions and any applicable policy limits.)
Meet Minx
Meet Mike and his spirited sidekick, Minx, a Domestic Shorthair with a talent for finding mischief in even the quietest corners. As a lifelong cat lover, Mike’s no stranger to the surprises felines can throw your way. One moment they’re lounging peacefully, the next they’re scaling trees or chasing shadows. Knowing just how quickly things can go from calm to chaotic, Mike opts for higher range protection to make sure Minx can be protected with a greater level of cover.
• Annual benefit limit: $35,000
• Benefit percentage (reimbursement): 90%
• Annual Excess: $0
• Optional Add-ons: Booster Care (for specified dental conditions and specialised therapies like physio and medication for behavioural conditions + Routine Care, non insurance benefit (to help with eligible non-insurance everyday wellness items like vaccinations)
Mike’s past experiences taught him that vet costs can quickly escalate. A $0 annual excess means no upfront deductible on eligible claims (however, a reduced excess can result in a higher premium), and 90% benefit percentage can keep his out-of-pocket costs lower at claim time. Adding Booster Care and Routine Care (non insurance benefit) gives extra protection for specified treatments and costs, reflecting Minx’s lifestyle needs.
Example claim (accidental injury)
After a late-night exploration of the neighbourhood, Minx encountered another cat, resulting in long-lasting injuries that required ongoing treatments for abscesses and a hospital stay.
• Eligible Vet bill: $2,000
• Annual Excess: $0
• Pet Insurance Covers 90% = $1,800
Mike pays 10% = $200 out of pocket
(This is an example only. Actual outcomes depend on eligibility, waiting periods, exclusions and any applicable policy limits.)
Pet Insurance Australia Coverage Options at a Glance
| Annual Benefit Limit | Choose from $15,000, $25,000, or $35,000, depending on the level of cover you want |
|---|---|
| Benefit Percentage | Pick 70%, 80%, or 90% reimbursement (benefit percentage) on eligible vet bills. The higher the percentage, the more you can get back on eligible claims.14 |
| Annual Excess Choices4 | Select your excess per claim: $0, $100, $300, or $600 ($600 annual excess not available on 70% plan). A higher annual excess usually means a lower premium, but higher out-of-pocket expenses |
| No-Sub Limits | Enjoy a straightforward product design with no sneaky sub-limits |
| Routine Care7 (Add-On) | An optional non-insurance benefit. Receive up to $200 annually for wellness items like vaccinations, flea and tick treatments, microchipping, and more. |
| Booster Care (Add-On)13 | An optional extra benefit up to $2,500 for specified dental conditions and specialised therapies such as hydrotherapy, physiotherapy, or behavioural consults. |
| GapOnly® Ready Claims11 | At over 1,000 participating vets nationwide, claims can be processed on the spot in under 10 minutes. You simply pay the gap on eligible claims instead of the full upfront cost. |
| Multi-Pet Discount12 | Save when you insure multiple pets, with incremental discounts for each additional pet. |
Frequently
Asked Questions
How do I compare pet insurance plans in Australia?
What are the different cover options available?
Rather than fixed ‘basic, standard or premium’ levels, our policy lets you pick from available options . That means you decide on:
● Your annual benefit limit ($15K, $25K or $35K)
● Your benefit percentage (70%, 80% or 90%)14
● The annual excess that works for you ($0, $100, $300 or $600 depending on the cover chosen)4
On top of that, you can add:
● Routine Care: $200 a year to help with regular health services like vaccinations or microchipping. Routine care is a non-insurance benefit.7
● Booster Care: up to $2,500 for specified dental conditions and specialised therapies.13
It’s a straightforward way to gain coverage without getting stuck comparing endless tiers, which is why so many pet parents choose us as their go-to pet insurance provider.
How can I get the most out of my pet insurance?
Getting the best out of your policy comes down to a few considerations:
● Pick the right mix of annual benefit limit, reimbursement (benefit) percentage, and excess4 for your situation.
● Add optional Routine Care (non-insurance benefit) 7 if you’d like extra support for everyday health, or Booster Care13 for cover for specified dental conditions or specialised therapies.
● Lodge claims as soon as you can, either online or through GapOnly® 11 at participating vets.
● Check in on your policy now and then, especially if your pet’s lifestyle changes or they’re entering a new stage of life.
● Take note of the things that aren’t covered, like pre existing conditions or waiting periods, so these are not surprises later.
With this kind of flexibility, Pet Insurance Australia helps you stay on top of vet bills while keeping your four-legged family members covered for the long haul. No wonder we’re recognised as an award-winning pet insurance provider, trusted by pet parents nationwide.
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