CUSTOMERS RATE US:
Award-Winning Dog Insurance
- Choose from 3 levels of coverage
- Up to 80% of eligible vet bills reimbursed*
- No excess
- Claim up to $30,000 per year
- Multi-Pet Discounts of up to 15%
- Convenient GapOnly® claims!
PIA Pet insurance for dogs provides assistance to the health and welfare of your furry family members. Just as you wouldn’t leave any family member unprotected, your dog also deserves a safety net for their health and well-being. Pet Insurance Australia offers a selection of coverage options for a full range of dog breeds, reducing the stress of expensive vet costs.
The Right Protection for Your Dog
PIA know that dogs are as much a part of the family as anyone else in the household.
Our faithful furry friends provide us with actual love and support, attend our major life events and some breeds even assist with work or chores. This is why Australian’s love their dogs; big, small, young and old.
But the fact remains that our trusty sidekicks often end up being the only member of the house who’s health isn’t protected in the case of a specified accidental injury or illness. How would you respond if your dog was suddenly taken ill or was severely injured in an accident? Would you be able to cover the expense of your canine companions veterinary care?
Pet Insurance Australia’s dog insurance plans mean you don’t have to worry about questions like these.
Compare Dog Insurance Plans
Pet Essentials Cover for Dogs
Our Pet Essential plan covers up to 90%1 of your eligible vet bills relating to specified accidental injuries and illnesses suffered by your dog, up to the $1,000 annual condition limit for each specified accidental injury or illness.
1Subject to stated benefit limits, the annual condition limit, waiting periods and policy terms and conditions. The benefit percentage will reduce from 90% to 65% for pets over the age of 8 years.
Comprehensive Cover for Dogs
Our Comprehensive Cover option covers up to 80% of your eligible vet bill related to specified accidental injuries and illness suffered by your dog, less any excess (choice of $0, $100, $200 or $500 per condition excess).
Major Medical Dog Cover
Our Major Medical Cover option covers up to 80% of your eligible vet bills related to specified accidental injuries and illness suffered by your dog, less any excess (choice of $0, $100, $200 or $500 per condition excess).
Routine Care (non-insurance benefit) is provided with this product.
| COVER | PET ESSENTIALS | COMPREHENSIVE COVER | MAJOR MEDICAL COVER |
|---|---|---|---|
| ANNUAL BENEFIT LIMIT | $6,000 ($1,000 Annual Condition Limit) | $30,000 | $30,000 (and an additional $145 for Routine Care)* |
| Benefit percentage (Pets older than 8 weeks and younger than 8 years) | Up to 90% covered | Up to 80% covered | Up to 80% covered |
| Benefit percentage (Pets 8+ years) | Up to 65% covered | Up to 80% covered | Up to 80% covered |
| EXCESS Applies per Condition, per Policy Period and is deducted from the benefit payable to you. | $0 | $0, $100, $200 or $500 per annum for each unrelated condition | |
| COVERS SPECIFIED ACCIDENTAL INJURY |  | | |
| COVERS ILLNESSES | | | |
| CANCER TREATMENT |  | | |
| SKIN CONDITIONS E.G. ALLERGIES | | | |
| EAR /EYE CONDITIONS | | | |
| GASTROINTESTINAL PROBLEMS | | | |
| TICK PARALYSIS | $1,000 cover | $1,000 cover | $3,000 cover |
| CONSULTATIONS AND VISITS | | $300 cover | $500 cover |
| SPECIALIST CARE1 | | | |
| LABORATORY AND DIAGNOSTIC TESTS1 | | | |
| HOSPITALISATION1 | | | |
| RADIOLOGY1 | | | |
| PRESCRIPTION MEDICINE & DRUGS1 | | | |
| SURGERY1 | | | |
| CRUCIATE LIGAMENT CONDITIONS | | $4,000* cover | $5,000* cover |
| HEREDITARY AND CONGENITAL CONDITIONS | | | |
| ROUTINE CARE (non-insurance benefit) | | | |
| LIFETIME COVER | As long as we continue to provide this product and there are no gaps or breaks in cover and subject to the terms and conditions of the policy for each renewal period. | ||
| 21-DAY COOLING-OFF PERIOD | | | |
| EMERGENCY BOARDING for your pet at a licensed boarding facility if you are hospitalised for one or more days or require accommodation due to family violence up to a maximum of: | $500 cover | $1,000 cover | $1,200 cover |
| PRE-EXISTING CONDITIONS (More information about Pre-existing Conditions is available here) | | | |
| Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing condition page for more information. | |||
| MULTIPET DISCOUNT: UP TO 15%~ | We offer an incremental 5% discount for each additional pet you insure after the first one up to a maximum discount of 15%. EXAMPLE: 2nd pet – 5% 3rd pet-10% 4 and more pets -15% |
||
| WAITING PERIOD | No waiting period for specified accidental injuries. 30 days for illness conditions | No waiting period for specified accidental injuries (other than a cruciate ligament condition) 6 months for cruciate ligament conditions# 30 days for illness conditions |
|
*you may be eligible for a higher limit; if so, this will be specified in your certificate of insurance.
*Separate limit for the non-insurance Routine Care item.
^These are defined policy terms with specific meanings. Please see the definitions section of the Product Disclosure Statement for more information.
#There is a 6-month waiting period for cruciate ligament claims under the Comprehensive and Major Medical plans. This waiting period may be waived at our discretion. For details on the waiver process, refer to the applicable Product Disclosure Statement.
1In relation to covered conditions
*Separate limit for the non-insurance Routine Care item.
^These are defined policy terms with specific meanings. Please see the definitions section of the Product Disclosure Statement for more information.
#There is a 6-month waiting period for cruciate ligament claims under the Comprehensive and Major Medical plans. This waiting period may be waived at our discretion. For details on the waiver process, refer to the applicable Product Disclosure Statement.
1In relation to covered conditions
Why Choose PIA for Your Dog Insurance?
PROTECT YOUR DOG FROM SPECIFIED ACCIDENTAL INJURY AND ILLNESSES
With Pet Insurance Australia, you can set aside your concerns about vet costs and focus on what’s truly important: your beloved furry companion. Choose from our three straightforward and flexible cover options to ensure your dog’s health is well protected. Our dog insurance plans offer coverage for up to 90%* of eligible vet bills, and when you insure multiple pets with us, you’ll enjoy multi-pet discounts of up to 15%! Combine these benefits with our hassle-free claims process, emergency dog boarding cover (in certain situations), a 21-day cooling-off period, friendly customer service, and the added perk of 2 months free on any new pet insurance plans. There’s never been a better time to secure coverage with Pet Insurance Australia.
What's Covered
| 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) |
Essential euthanasia |
Pet overseas travel insurance (New Zealand and the Norfolk Islands only) |
| Exclusions |
|---|
Certain pre-existing conditions |
Dental procedures |
Behavioural problems |
Elective treatments and procedures |
Food and diets |
Grooming |
Pregnancy |
Pet accessories |
Routine Care
Routine Care (non-insurance benefit) is provided with Major Medical Cover and will assist towards routine care items such as vaccinations, deworming etc.
| $50 ANNUAL BENEFIT FOR ONE OF THE FOLLOWING | De-sexing Micro chipping Heart worm Behavioural therapy Teeth cleaning Council registration fees Alternative therapies Prescription diets Dew claw removal Cremation or Burial Dog training at a recognised training centre |
| ANNUAL BENEFITS FOR ALL OF THE FOLLOWING | $30 – Vaccinations or Health Check $10 – Heart worm test or Blood screen $10 – FeLv/ Fiv test or urinalysis $45 – Flea/ Tick/ Worm control |
| ELIGIBILITY | For Major Medical Cover only |
| EXCESS APPLICABLE | No |
Examples of How We Will Settle Your Claim
Here are some indicative calculations showing the method of resolution for claims under the provision of coverage (these instances merely demonstrate the type of calculation involved and incorporate GST):
Upon visiting the vet, an owner found that their Golden Retriever, Bailey, required immediate surgery, which would cost $3,000.
As she is under eight years old, with the ‘Pet Essentials’ policy, 90% of these expenses would be claimable, amounting to $2,700 and a total of $300 out-of-pocket expenses for Bailey’s owner. With ‘Major Medical Cover’, however, she would be entitled to 80%, which is worth $2,400 and $600 out-of-pocket expenses for Bailey’s owner.
| CLAIM | PET ESSENTIALS 90% Coverage (Under 8 Years of Age) 65% Coverage (Over 8 Years of Age) | MAJOR MEDICAL COVER 80% Coverage |
|---|---|---|
| Amount of eligible vet expenses | $3,000 | $3,000 |
| Claim benefit payment | $2,700 | $2,400 |
| Out-of-pocket expenses | $300 | $600 |
What Dog Breeds are Covered in Our Pet Insurance Policies?
Remember, different canine breeds have different health conditions and needs. So, browse through our dog breed library and learn everything you need about your dogs breed here <
Give Your Dog the Protection It Deserves
It’s easy to say that your dog is a member of the household. But by finding them the best pet insurance for dogs, you can ensure that really is the case.
Contact PIA today to learn more about our coverage options for dogs in Australia.
Finally, you can rest assured that you have the means to give your dog the care it deserves.
See What Our Clients Have to Say
DOG INSURANCE FOR ALL DOG BREEDS
At Pet Insurance Australia we understand that all dog breeds can have unique health conditions. What to know more about what breed specific issues could affect your furry companion? Simply click on your breed below to get a comprehensive look at your true-blue companion.
Frequently Asked Questions on Our Dog Insurance Policies
What Proportion of Veterinary Expenses Does Pet Insurance For Dogs Cover?
The percentage of eligible veterinary expenses covered depends on your selected insurance plan.
‘Pet Essentials’ offers coverage up to 90% for dogs under eight years old before reducing to 65%. This coverage is subject to any benefit limits and annual condition limits related to your policy.
On the other hand, both ‘Comprehensive Cover’ and ‘Major Medical Cover’ offer up to 80% coverage of eligible veterinary expenses, subject to any excess and annual benefit limits. Any applicable excess is deducted from your benefit payout.
At What Age Can I Take Out Pet Insurance For My Dog?
You can insure your dog starting from 8 weeks old.
For Comprehensive and Major Medical cover, you should enrol your dog before its 9th birthday.
For Pet Essentials, enrolment should be done before the dog’s 12th birthday.
What are Some Coverage Exclusions In Dog Insurance?
Just like with many other insurance products available, there are several scenarios where coverage won’t apply to your dog insurance policy.
Exclusions typically include:
- pre-existing conditions
- preventative or routine treatments (unless you have purchased a routine care benefit as part of your coverage, which offers contributions up to routine care limits)
- some elective treatments and procedures
- issues related to breeding or obstetrics
- orthodontic treatments
- genetic or chromosome testing
For a comprehensive list of exclusions, please refer to your Product Disclosure Statement (PDS), which you can find under Downloads.
How is the Premium For My Dog Insurance Determined?
Your pet insurance premium is calculated at the inception of your policy and at each policy renewal.
What Does a Pre-Existing Condition In Dog Insurance Mean?
A pre-existing condition is any condition that occurred or existed before the start date of your first policy period or during any applicable waiting period, and which you or your vet were aware of (or should reasonably have been aware of). This is true regardless of whether the underlying or causative condition was diagnosed at the time.
If your dog had a temporary condition that hasn’t shown signs, symptoms, or abnormalities in the 18 months immediately before your claim treatment date, it would no longer be considered a pre-existing condition. Chronic Conditions and several other specified conditions can’t be classified under this category.
You can apply to have pre-existing conditions reviewed. Find out more about pre-existing conditions.
Can I Choose Any Vet For My Dog?
You can choose any vet who isn’t you and is licensed to practice legally in Australia. Should the treatment costs prove significantly higher than what is reasonably expected under the circumstances, we may adjust the claim payments to match any expected costs.
If your dog needs treatment, you can request pre-approval for your claim. Doing so helps us to provide you with the details of your claim reimbursement beforehand.
To request pre-approval, please call us at 1800 043 552.
What's a Waiting Period In Dog Insurance?
A waiting period related to your dog insurance refers to the timeframe that starts from the commencement date of the first policy period, during which your dog isn’t covered for the respective conditions or benefits. The length of the waiting period can vary based on the chosen coverage.
Please refer to your Product Disclosure Statement (PDS) to understand the waiting periods applicable to your policy.
How expensive is dog insurance
The cost of your dog insurance is influenced by several key factors, including the pet insurance provider you select, the type of cover and options you select, and your pet’s age and breed. Most dog insurance providers offer a quick online quote system, enabling you to easily estimate the cost of your pet insurance based on your specific circumstances.
Do dogs need insurance?
The decision to have pet insurance for your dog is a personal one that should be carefully considered. By thoroughly reading the Product Disclosure Statement and Target Market Determination (TMD), you can evaluate if a pet insurance policy is the right choice for you and your pet. Dog insurance can offer financial assistance for a variety of unexpected veterinary treatments and bills, providing relief to numerous pet owners during unpredictable times.
How much is pet insurance for dogs?
The cost of pet insurance for each dog will vary. Most pet insurance providers will consider the age and breed of your pet and other factors. For this reason, most dog insurance providers offer a quick online quote system so you can easily gauge how much your pet insurance will cost for your individual needs and circumstances.
Are dogs covered under home insurance?
You should check with your provider for details, but in Australia, standard home insurance policies typically do not cover dogs.
Can I get pet insurance for an older dog?
Pet Insurance Australia offers pet insurance for dogs before the age of nine and for the animal’s lifetime if the pet has held a pet insurance policy before this age, and there are no gaps or breaks in cover. This is due to many factors, including the heightened risk for serious complications for older pets. Having age restrictions for policy sign-up helps reduce the costs of premiums for all pets.
