Pet Insurance Australia

Pet Insurance Australia review

Pet Insurance Australia is one of the only insurers to cover 90% of vet bills and automatically include routine care.

4.1 ★★★★★ (34 reviews) Write a review

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  • Its Essentials Cover reimbursement rate of 90% goes further than the majority of other providers on Finder – you'll find most cover 80% of your vet bills.
  • Out of 13 policies we looked at, it's the only policy to automatically cover routine care which includes dental treatment and vaccinations.
  • You can choose how much of your vet bills you want covered – 80% or 90%. The lower the percentage, the cheaper your premiums. Out of 13 policies, only 4 others let you do this.


  • The Essential plan's $6,000 annual benefit limit is fairly generous, though not quite market-leading.
  • It's not great if you're happy to pay for treatments like dental treatment yourself – it automatically includes routine care.
  • Like many policies, if your pet has a chronic pre-existing condition, you won't be covered by Pet Insurance Australia.

Comparison of Pet Insurance Australia pet insurance policies and discounts


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.

Up to 15% Multi-Pet Discount

Get an incremental 5% for each additional pet you insure with Pet Insurance Australia.
Name Product Maximum Yearly Benefit Paralysis Tick Benefit 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.
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.
PIA Essentials Cover
Highest reimbursement rate out of PIA's policies. Get 2 months free when you sign up.

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🏥 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$558.31$703.12
Staffordshire Bull Terrier$580.92$745.16
Border Collie$580.92$745.16

👥 Pet Insurance Australia reviews

​​In addition to user reviews on Finder below, we looked at Pet Insurance Australia customer reviews on which go back 9 years from August 2021. Here's a summary of how it did:

  • Its reviews are overwhelmingly positive. 1,027 of the 1,548 reviews are 5 stars.
  • Most claims are accepted in less than a week.
  • It has over 200 1-star reviews, though this is still less than other competitors such as RSPCA and Bow Wow.

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.

Frequently asked questions about Pet Insurance Australia

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