At Pet Insurance Australia, we’re passionate about protecting pets of all shapes, sizes and breeds. From playful puppies and curious kittens to cherished rescue pets and older companions, we know they’re more than pets; they’re family. That’s why we exist: to help take the sting out of unexpected vet bills, so you can focus on the good stuff—belly rubs, couch cuddles, and long walks.
We’re a multi-award-winning pet insurance provider that specialises solely in pet insurance. With us, there’s no maze of confusing policies. Just one flexible plan that you can choose and shape yourself from the options available. Set your annual benefit limit2 ($15,000, $25,000 or$35,000), pick your benefit percentage14 (70%, 80% or 90%), and choose between multiple annual excess4 options (starting from $0- $600).
Want more for your pet? Add optional Routine Care⁹ (non-insurance benefit) or Booster Care for support with preventative items, specified dental conditions, and specialised therapies.¹³ And because life’s busy, you can manage it all online, from updating details to submitting claims, in just a couple of clicks.
| Feature | Details |
|---|---|
| Freedom to Choose Your Vet | Use any registered veterinarian in Australia, other |
| 24/7 LiveVet10 Access | Complimentary myPetPass®5 membership, |
| Choose your Annual Benefit Limit2 | Choose from $15,000, $25,000, or $35,000 |
| No-Sub Limits | A straightforward product design with no hidden sub-limits. |
| Reimbursement Options (benefit percentages) | Select from 70%, 80%, or 90% back on eligible vet |
| Annual excess4 Options | Choose your excess4 |
| Multi-Pet Discount12 | Multi-tiered discounts available when you insure |
| Dedicated Pet-Loving Team | Friendly, knowledgeable support from Australian- |
| On-the-Spot Claims with GapOnly®11 | Only pay the gap11 on eligible claims at over 1,000 |
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.
Over the years, PIA has been recognised as an award-winning pet insurance provider, receiving consecutive honours from respected industry reviews including Product Review, Mozo, Canstar, and Finder. These awards showcase our commitment to giving Australian pet parents trusted cover and exceptional value.
Any Vet, Anywhere
Visit any registered vet across Australia, other than yourself
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%
Choose your annual excess²
Pick what suits you: $0, $100, $300, $600 (not available on the 70% plan)
1. Skin conditions – infections/allergies/other symptoms
$5,811.07
2. Gastrointestinal tract conditions
$12,652.40
3. Ear conditions
$11,172.11
4. Arthritis
$6,930.56
5. Accident – tissue damage or fracture
$14,957.15
6. Mass Lesion
$16,168.56
7. Skin lumps & bumps
$4,777.40
8. Eye conditions
$6,594.66
9. Neoplasia
$15,443.90
10. Muscle/skeletal conditions
$12,200.00
1. Skin conditions – infections/allergies/other symptoms
$2,515.97
2. Gastrointestinal tract conditions
$8,443.10
3. Urinary System
$8,443.10
4. Urinary System Disorder
$5,355.37
5. Arthritis
$1,145.30
6. Accident – tissue damage or fracture
$6,860.00
7. Eye conditions
$5,659.09
8. Respiratory Tract conditions
$5,867.25
9. Diabetes
$4,964.51
10. Heart conditions
$3,655.61
Here’s an example claim with of Select and Protect Cover with a $35,000 Annual Benefit Limit, 90% Benefit Percentage and $100 Excess:
● Eligible vet bill: $2,000
● Benefit percentage applied (90%): $1,800
● Less annual excess: $100
● We pay: $1,700
● Your out-of-pocket expense: $300
This is a sample only. Coverage, reimbursement, and costs vary based on your chosen policy options. Please refer to the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure the product meets your needs.
Our single, flexible policy helps cover common unexpected conditions and beyond, helping with the costs of:
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.