Pet Insurance Australia
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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.

4.1 ★★★★★ (110 reviews) Write a review


  • 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 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.


  • 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


Get free pet insurance for the first 2 months

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Get 2 months' free pet insurance when you sign up for cover with Pet Insurance Australia.

Up to 15% Multi-Pet Discount

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Get an incremental 5% for each additional pet you insure with Pet Insurance Australia.
Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
PIA Major Medical Cover
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
PIA Comprehensive Cover
Covers your vet bills for specified accidents and illnesses, including cruciate ligament and cancer treatment. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
PIA Essentials Cover
Highest reimbursement rate out of PIA's policies. Get 2 months free when you sign up using the code PIA202. T&Cs apply.

Best Health Insurance - Silver Hospital Finalist

Qantas Silver Hospital policy ranked in third place out of all of the eligible silver policies we analysed as part of the Finder awards. The fund's policy costs around $25 per week and covers a number of treatments including heart and vascular system, digestive system and dental surgery.

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Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

🏥 Pet Insurance Australia policy options

Pet Insurance Australia provides protection under 3 different policies:

Pet Essentials Cover
  • 90% of qualifying accident injuries and illnesses reimbursed.
  • 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.
  • Comes with routine care cover, unlike the other policies.
  • Also covers cruciate ligament and cancer treatment, unlike the Pet Essentials Cover.
Go to Pet Insurance Australia's website

🏥 What does Pet Insurance Australia cover?

Here's an overview of what's included with Pet Insurance Australia.

Ambulance vehicle with pet paw on the front

Accidental injuries

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

Vet building with pet paw on the front


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

Pet toothbrush and scissors

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.

Dog breed1-year-old5-year-old
Maltese Cross$870.68$1,596.26
Staffordshire Bull Terrier$1,103.27$2,047.97
Border Collie$1,103.27$2,047.97

👥 Pet Insurance Australia reviews

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

  1. Download a claim form online or request to have one delivered by mail.
  2. Once you've received your form, complete the first section and sign it.
  3. Have your vet complete and sign part 2 of the form.
  4. 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.
expert advice

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

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