Cover up to 75% of your pet's eligible vet expenses with no excess and your choice of vet with 1300 Pet Insurance.
1300 Insurance provides two levels of cover to protect your furry friend: Comprehensive and Accident-only. Each policy will reimburse up to 75% of your pet's eligible vet expenses. 1300 Pet Insurance is issued and underwritten by The Hollard Insurance Company Pty Ltd and administered by PetSure (Australia) Pty Ltd. Find out more about what's covered under each policy below.
What policies does 1300 Insurance offer?
Comprehensive pet insurance
Comprehensive pet insurance from 1300 Insurance provides up to $15,000 cover per year for any vet bills that arise when your animal is sick or injured. Offering cover for both injury and illness, this policy covers up to 75% of eligible vet bills with no excess. You have the freedom to use any registered vet around Australia and be covered for cancer, ear and eye conditions, infectious diseases, gastrointestinal problems and tick paralysis.
Accident-only pet insurance
This policy makes sure that your pet and your wallet are protected against unexpected accidents. It covers up to 75% of eligible vet bills, up to a maximum of $10,000 per year, when your dog or cat suffers an accidental injury. This includes cover for everything from vet consultations to surgery and hospitalisations.
|Feature||Accident-only Pet Insurance||Comprehensive Pet Insurance|
|Choice of Annual Benefit Limit||$10,000 or $6,000||$15,000 or $10,000|
|Percentage of Vet bill covered||75%||75%|
|Co-payment of 25% of vet bill (to maximum amount)||25%||25%|
|Skin Conditions e.g. allergies|
|Ear / eye conditions|
|Tick paralysis — annual benefit||$500|
|Covers Accidental Injury|
|Consultations — annual benefit||$300||$300|
|After-hours emergency visits|
|Laboratory and diagnostic tests|
|Prescription Medicines & drugs|
|Cruciate ligament conditions — annual benefit||$2,600*||$2,600*|
|Hereditary and congenital conditions||NA|
|Waiting period (6 months for cruciate ligaments, unless 1300 is notified by vet that pet does not have cruciate ligament condition)||30 days for illness conditions|
|Optional Routine Care Cover|
|Lifetime cover — Renewal offer guaranteed. Covers ongoing treatment.|
|21 day-cooling off period|
|Emergency Boarding Fees - $20 per day if owner is hospitalised to a maximum of:||$500||$500|
|Overseas Pet Travel - cover for vet bills due to injuries sustained overseas. Country must not require quarantine on return.|
|Multi-pet Discount - 5% multi-pet discounts for additional pet covered|
* You may be eligible for a higher limit and if so this will be specified in your certificate of insurance.
What isn’t covered?
Your pet insurance claim will not be covered in the following situations:
- It is for a pre-existing condition.
- It is for dental procedures or the treatment of any dental disease.
- It is for the cost of regular, prescription or dietary pet food.
- It is for preventative procedures and treatments such as vaccinations, anal gland expression, and flea/tick/worm control. However, cover is available for some of these procedures if you select the routine care benefit.
- It is for the cost of training, socialisation, therapy or alternative therapies.
- It is for the cost of treatment resulting from your pet being used for commercial or occupational purposes, for example for racing, breeding or law enforcement.
- It is for the treatment of certain conditions that can be attributed to behavioural problems, for example phobias and anxiety disorders.
- It is for stem cell therapy.
- It is for the cost of medication not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).
- You choose to pursue a course of treatment other than that recommended by your vet.
- It is for breeding or obstetrics.
- It is for elective procedures and treatments.
- You fail to take all reasonable precautions to protect your pet from situations that may result in illness or injury.
- It is due to a malicious or deliberate act or gross negligence caused by you or someone living with you.
- It is for ambulance fees and non-essential hospitalisation.
- It is for house calls and out-of-hours treatment unless your vet believes an emergency consultation is necessary.
How to file a claim with 1300 Insurance
You can lodge a claim on your 1300 Insurance pet insurance policy in two ways:
- Online. You can lodge your claim online through the 1300 Insurance website. You will need to upload a copy of the itemised invoice and consultation notes from your vet visit. If this is your first claim, you will also need to upload your pet’s full medical history for the time you have owned it.
- By post. You can download and print a claim form from the 1300 Insurance website. Your vet will also need to fill out a section of the form before you submit it by post along with original itemised invoices, payment receipts and your vet’s consultation notes.
You must submit a claim so that it is received within 90 days of your pet’s treatment.
Why choose 1300 Insurance pet insurance?
There are several reasons why you should consider taking out pet insurance cover from 1300 Insurance.
- Covers up to 75% of vet bills. Pet insurance from 1300 Insurance provides cover for up to 75% of your eligible vet bills when your dog or cat is sick or injured. This includes cover for vet consultations, diagnostic tests, medication, surgery, specialist veterinary treatment and hospitalisation.
- $0 excess. You will not need to pay an excess when you make a claim on your pet insurance policy.
- Flexible cover. 1300 Insurance provides you the freedom to lower your benefit limits in order to access cheaper cover, allowing you to tailor your policy to suit your needs and budget.
- Wide range of benefits. 1300 Insurance pet insurance also provides cover for emergency boarding costs when you are hospitalised, essential euthanasia costs if your pet has to be put down, and pet overseas travel insurance for vet expenses incurred abroad.
- Optional routine care benefit. Selecting this optional extra allows you to access annual benefits for routine care treatments such as vaccinations and health checks, heartworm tests and blood screens, FeLv/Fiv tests or urinalysis as well as flea, tick and worm control.
- Access vet treatment anywhere. You don’t have to use a particular vet in order to be eligible for cover; you can get your pet treated at any vet around Australia.
- Fast online application. It’s easy to apply online for 1300 Insurance pet insurance cover. Cover also starts right away as there’s no waiting period for accident cover.
- Lifetime cover. Once you have purchased a policy for your pet, cover is guaranteed renewable each year regardless of how many claims you have made.
Frequently asked questions about 1300 Insurance pet insurance
Is it possible to take out cover for my older pet?
Yes, the only requirement to taking out accident-only pet insurance is that your pet must be at least eight weeks of age. However, if you want to take out comprehensive cover, the pet must be less than nine years of age when you apply for a policy. Once insured, 1300 Insurance will continue to cover your pet for the rest of its life.
What if I don’t know how old my pet is?
Your vet will be able to help you make an informed guess as to your pet’s age.
Is desexing covered by 1300 Insurance pet insurance?
Cover for the cost of desexing your dog or cat is available if you take out comprehensive cover and select the routine care option.
Can I save money on cover if I insure more than one pet?
Yes, you will receive a 5% discount for each additional dog or cat you cover with 1300 Insurance.
What waiting periods apply to cover?
There are two waiting periods that apply:
- 30 days for conditions covered under the illness and tick paralysis sections of the policy
- 6 months for cruciate ligament conditions
What is a pre-existing condition?
If any signs or symptoms of a condition occur or the condition exists in any form before you take out cover or during the waiting period, it will be classed as a pre-existing condition.
Is there a cooling-off period?
Yes, a 21-day cooling-off period applies to cover. This means you can cancel your policy within the first 21 days and receive a full refund.
What company underwrites 1300 Insurance’s pet insurance policies?
The policies are underwritten by The Hollard Insurance Company Pty Ltd.