At PIA, we are passionate about dogs and cats of all shapes and sizes. Whether your breed is a purebred, a mixed breed, or a precious rescue pet, PIA may help reduce some of the financial stress of unexpected, upfront vet costs, so you can concentrate on your pet during times of need. As a multi-awarding winning pet insurance provider who only specialises in pet insurance, we understand the needs of pet parents around Australia and offer a range of pet insurance policies that can help towards the costs of expensive treatments for the health and wellbeing of your four-legged best friend.
We have flexible cover options so you can choose the right policy to suit your needs and lifestyle. We understand that veterinary treatments may be costly, and our pet insurance plans cover up to 80% of eligible veterinary expenses when your cat or dog becomes injured or ill^. At PIA, you may also choose your level of excess $0, $100, $200 or $500 on some plans. Plus, our pet portal allows you to easily submit claims, update your details and manage your policy.
What is Covered in all Plans |
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Use any registered veterinarian in Australia |
Complimentary VetChat consult membership |
Claims for eligible veterinary bills between $6,000 to $30,000 per year* |
Receive up to 80% of eligible vet bills* |
Choose your excess ($0, $100, $200, $500)* |
Multi-pet discount |
Lifetime cover** |
Friendly service from our team of pet-loving professionals |
Access to GapOnly® service at participating veterinary clinics |
21-day cooling off period |
* Depending on your level of cover. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
** As long as we continue to offer the product, and provided there are no breaks in cover, subject to the terms and conditions of the policy for each policy period.
PIA are the trusted experts in pet insurance in Australia having over 30 years’ experience in the pet industry, we understand the needs of cat and dog owners across Australia. We are not just a family-owned Australian business but also understand the vital role pets bring to our everyday lives. We’re passionate about providing comprehensive pet insurance policies to help protect your furry family members, that sets PIA apart.
With flexible coverage options and the ability to claim up to $6,000 or $30,000 per year (depending on your level of cover), our quick claiming process and expert customer service will help provide you and your pet with the care they deserve when the unexpected happens.
Over the years, PIA has stood out in the award field for pet insurance, winning consecutive awards from leading industry reviews, including Product Review, MOZO and Canstar. PIA also supports the Pet Insurance Australia Companion Animal Rescue Awards, being the consecutive naming partner of these significant honours that celebrate the achievements in rescue and companion animal welfare. At PIA, it’s this dedication and personal touch to pet care and insurance that ensures customer satisfaction.
Major Medical & Comprehensive Limits
Claim up to $30,000* per year.
Pet Essentials Limits
Claim up to $6,000* per year.
Claim Up to 80% Back*
Claim up to 80% of eligible vet bills.
VetChat Consultations
Complimentary access to VetChat consult membership.
GapOnly® Claims
Claim your benefit on the spot at participating vets and only pay the gap on eligible claims.
$5,811.07
$12,652.40
$11,172.11
$6,930.56
$14,957.15
$16,168.56
$4,777.40
$6,594.66
$15,443.90
$12,200.00
CATS
$2,515.97
$8,443.10
$8,443.10
$5,355.37
$1,145.30
$6,860.00
$5,659,09
$5,867.25
$4,964.51
$3,655.61
PIA Data Jan-Nov 2023
Note that not all conditions and treatments are covered and pre-existing conditions and general exclusions may apply.
Example Claim Case Study for a Comprehensive Cover policy with $0 excess
Claim example with an 80% benefit percentage and $0 excess selected:
__________________________
Eligible Vet Bill: $1,000
Benefit Percentage (80%): $800
Less Excess: ($0)
__________________________
Total amount claimed: $800
Your out-of-pocket expense: $200
This policy coverage is an example only. Actual prices and coverage will vary. You should consider the Product Disclosure Statement to determine which products are appropriate for you.
When your pet falls sick or is injured, veterinary costs may quickly escalate, leaving pet parents worried about the cost of treatment especially in life-threatening situations. You may be able to help protect your pet from the unexpected with three options to choose from with PIA. It is crucial with all pet insurance policies to read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to understand precisely what each policy will and will not cover to ensure the product is right for you and your family.
PIA has three levels of coverage:
(Specified Accidental Injury and Illness Cover) ^
(Specified Accidental Injury and Illness Cover) ^
(Specified Accidental Injury, Illness and Routine Care Cover) ^
^Subject to limits, benefit percentage, excess and exclusions
* Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
>The gap means the difference between the vet’s invoice and the eligible claim benefit under your policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure).
*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 help@petsure.com.au. You can also access our underwriter’s Family Violence Policy here, and their website also contains additional accessible ways you can contact us.
More info on Finder award can be found here.