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Pet Insurance Australia review
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.
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Pros
It can cover up to $31,145 of eligible vet bills per year. That makes it the highest limit available out of 67 policies.
Its Essentials Cover reimbursement rate of 90% goes further than the majority of other providers on Finder – the majority cover 80% of your vet bills.
Out of 16 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.
Cons
The Essential plan's $6,000 annual benefit limit is fairly generous, though not quite market-leading.
Like many policies, PIA's Pet Essentials cover and Comprehensive cover will not include routine care.
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.
Comparison of Pet Insurance Australia pet insurance policies and discounts
Code
Get free pet insurance for the first 2 months
Get 2 months' free pet insurance when you sign up for cover with Pet Insurance Australia.
PIA Major Medical cover came in third place for value in the 2023 Finder Awards. It has one of the highest annual benefit limits on the market, letting you claim more than most, and is still competitively priced. On top of that, it's one of the only insurers to automatically cover routine care.
Covered injuries and illnesses: snake bites, burns, electrocution, motor vehicle accidents, allergic reaction to insect bite, snake bite, lacerations and abrasions of the skin/tissue.
Comprehensive Cover
Covers up to 80% of your vet bills for specified accidents and illnesses.
Also covers cruciate ligament and cancer treatment, unlike the Pet Essentials Cover.
Major Medical Pet Insurance Cover
Covers up to 80% of your vet bills for specified accidents and illnesses.
Accidental injury can pay you 80% of vet bills if your pet is injured as a result of an incident such as:
A vehicle incident
A burn
A bone fracture
A snake bite
Illnesses
If your cat or dog gets sick, Pet Insurance Australia can pay 90% of eligible vet bills for illnesses that require:
Radiology
Prescription medicines
Surgery
Lab and diagnostic tests
Specialist care
Routine care
Routine care is included with Pet Insurance Australia's Major Medical cover plan and can be added on to other policies. It can help cover the costs of the following:
Desexing
Microchipping
Heartworm control/prevention
Flee/tick/worm control
Vaccinations
Health checks
Teeth cleaning
Training
Pet Insurance Australia costs
To help give you an idea about Pet Insurance Australia costs, we gathered quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
Here's a summary of how customers find Pet Insurance:
Its reviews are overwhelmingly positive. It has one of the highest ratings on Finder.
Most claims are accepted in less than a week.
Some customers have found it to be expensive.
If you're a previous or existing customer of Pet Insurance Australia, we'd love to hear from you. Leave a quick review here.
What isn't covered by Pet Insurance Australia?
Pre-existing conditions – includes any medical condition your pet suffers from prior to the commencement of your insurance policy
Dental care – such as dental procedures, gingivitis, teeth cleaning or dental disease
Day-to-day care – this includes:
Grooming
Preventative procedures and treatments
Diet pet food or regular prescriptions
Treatment while your pet is used for occupational or commercial purposes such as breeding, racing or organised fighting
Any medication not approved or listed by the Australian Pesticides and Veterinary Medication Authority (APVMA)
Cell-replacement therapy
Breeding or obstetrics or any treatment for the same
Elective procedures and services such as cosmetic procedures, routine examinations or experimental treatments or therapy
How to file a claim with Pet Insurance Australia
Download a claim form online or request to have one delivered by mail.
Once you've received your form, complete the first section and sign it.
Have your vet complete and sign part 2 of the form.
Once both you and your vet complete your designated sections, mail the form in with all necessary receipts and invoices as it relates to your claim.
If you've never completed a claim before, include a veterinary history from your current and all previous vets who have attended to your pet.
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 about Pet Insurance Australia
Pet Insurance Australia provides coverage for all eligible pets once they are 8 weeks old and above. There is an 11 years old age limit for the Pet Essentials policy. If you wish to take out Major Medical or Comprehensive Cover, your pet cannot be older than 8 years old.
Pet Insurance Australia policies come with the following additional benefits:
Emergency Boarding – covers boarding costs for your pet, if you are hospitalised for 5 or more consecutive days.
Essential Euthanasia – provides coverage for euthanasia once the procedure is deemed a humane and essential course of treatment by a vet.
Paralysis Tick Benefit – pays for paralysis tick treatment offered by a vet.
Pet Overseas Travel Insurance – covers vet expenses incurred while your pet is overseas in various destinations where your pet will not require quarantine when it returns to Australia.
There is a 0-day waiting period for injuries, a 30-day waiting period for all illnesses and a 6-month waiting period for cruciate ligament conditions.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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