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, alleviating the stress of potential vet costs.
They provide us with love and support, attend many of our major life events and – with some breeds – even assist with basic chores. Needless to say, Australian households love their dogs.
But the fact remains that the dog often ends up being the only member of the household that 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 its veterinary care?
With dog insurance from Pet Insurance Australia, you don’t have to worry about questions like these.
Thanks to PIA, you can worry less about the costs of vet treatment, and focus on what’s important… your furry pal. Thanks to our flexible cover, you can ensure your dog’s health is protected.
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).
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)*|
% OF ELIGIBLE VET BILLS COVERED
|Up to 90%||Up to 80%||Up to 80%|
|ELIGIBILITY AGE||This will reduce to 65% on your pet’s 8th birthday.||N/A||N/A|
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|
|SKIN CONDITIONS E.G. ALLERGIES|
|EAR /EYE CONDITIONS|
|CONSULTATIONS AND VISITS||$300||$500|
|LABORATORY AND DIAGNOSTIC TESTS1|
|PRESCRIPTION MEDICINE & DRUGS1|
|CRUCIATE LIGAMENT CONDITIONS||$4,000*||$5,000*|
|HEREDITARY AND CONGENITAL CONDITIONS|
|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|
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:
(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%.
2nd pet – 5%
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
|What is Covered in all Plans|
Specified Accidental injuries and illnesses
Hereditary and congenital conditions
Eye and ear conditions
Cruciate ligament conditions (6 month waiting period applies but may be waived on application)
Pet overseas travel insurance (New Zealand and the Norfolk Islands only)
Certain pre-existing conditions
Elective treatments and procedures
Food and diets
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
Council registration fees
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|
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.
90% Coverage (Under 8 Years of Age)
65% Coverage (Over 8 Years of Age)
|MAJOR MEDICAL COVER
|Amount of eligible vet expenses||$3,000||$3,000|
|Claim benefit payment||$2,700||$2,400|
Remember, different breeds have different health conditions and needs. So, browse through our list and learn everything you need about your dog breed.
It’s easy to say that your dog is a member of the household. But by looking into 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.
Delve into detailed coverage options tailored to specific breeds, understanding that every dog breed has unique health conditions and needs. Simply select your breed below to explore the most suitable insurance options for your canine companion.
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.
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.
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:
For a comprehensive list of exclusions, please refer to your Product Disclosure Statement (PDS), which you can find under Downloads.
Your pet insurance premium is calculated at the inception of your policy and at each policy renewal.
For new policies, we consider various factors that may increase or decrease our risk. These include the type and coverage options you choose, as well as the breed and age of your dog. We also factor in discounts or promotional offers that we provide.
For policy renewals and changes, we consider the claim history for your dog, the average cost of care for similar dogs, and our overall claims experience. Your previous premium and any applied discounts are also considered.
The PDS under Downloads has more information about the factors used in premium calculations.
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.
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.
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.
*2 Month Offer Terms & Conditions can be viewed by clicking here
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. 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@example.com. You can also access our underwriter’s Family Violence Policy here, and their website also contains additional accessible ways you can contact us.