Pet Insurance Australia review
- Maximum yearly benefit
- $30,145
- Reimbursement rate
- 80%
- Routine Care
- Yes
Summary
Pet Insurance Australia is one of the only insurers to automatically include routine care and cover your pet for up to $31,145 per year – the highest limit available.
Pros
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It can cover up to $31,145 of eligible vet bills per year. This makes it the highest limit available out of 67 policies.
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Out of 15 policies we looked at, PIA's Major Medical policy is the only one to automatically include routine care with an annual limit towards teeth cleaning and vaccinations.
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It was a highly commended brand in the Finder Awards for features.
Cons
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The Essential plan's $6,000 annual benefit limit may not be enough for some.
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Its routine care annual limit might not be enough to cover everything your pet needs.
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If your pet has a chronic pre-existing condition, you won't be covered by Pet Insurance Australia. This is common across all pet insurers.
Details
Key Details
| Product Name | PIA Major Medical Cover |
| Accidental Injury | |
| Routine Care | Yes |
| Lifetime Cover | |
| Reimbursement rate | 80% |
| Annual Benefit | $45 for flea/tick/worm control, $30 for vaccinations or health check, $10 for FeLv/Fiv test or urinalysis, $10 for heartworm test or blood screen. Plus $50 for one other treatment. |
| Cooling Off Period | 21 days |
| Cruciate Ligament Benefit | $5,000 |
| Excess options | Choice of $0, $100, $200 and $500 |
| Emergency Boarding | $1,200 |
| Consultations and Vet Visits | $500 |
Eligibility
| Minimum Age (Weeks) | 8 |
| Maximum Age (Years) | 8 |
Discounts
| Multi-Pet Discount | 5% |
If you want comprehensive cover, PIA's Major Medical policy could be ideal for you. It scored very highly in our Finder Awards and gives you a lot for your money.
Get free pet insurance for the first 2 months Up to 15% Multi-Pet Discount
Why compare pet insurance with Finder?
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You pay the same price as buying directly from the pet insurer.
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We're not owned by an insurer (unlike other comparison sites).
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We don't ask for your phone or email.
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We've reviewed over 35 policies on the market, so you don't have to.
How much does a Pet Insurance Australia policy cost?
As part of the 2024 Finder Pet Insurance Awards, our experts analysed over 100 quotes. On average, Bow Wow Meow was the second cheapest pet insurance of all providers. See how it stacks up below.
Keep in mind, the below prices are based on a fictional pet profile and your own quote will differ. The best pet insurance for you may also depend on more than price so be sure to read the product disclosure statement (PDS).
| Provider | Annual cost | Apply |
|---|---|---|
 | $1,188 | Get quote |
 | $1,239 | Get quote |
 | $1,610 | Get quote |
 | $1,397 | Get quote |
 | $505 | Get quote |
 | $774 | More info |
 | $1,284 | More info |
 | $1,566 | More info |
 | $1,179 | More info |
 | $1,178 |
About our car insurance methodology
Why you can trust Finder's pet insurance experts
We're free
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.Frequently asked questions
Your reviews
Gary Ross Finder
Editor, Insurance & Innovations
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