AAMI Pet Insurance Review

Learn more about AAMI Pet Insurance range of cover, benefits, key features and exclusions.

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Ceyda Erem

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AAMI Pet Insurance

Key takeaways

  • Receive cover for up to 70%, 80% or 90% of eligible vet bills
  • Choose between a $7,500, $20,000 or $35,000 annual limit.
  • Multiple excess options available.

Pros

  • Build your own cover with a choice of annual limit, a 70%, 80% or 90% benefit percentage and multiple excess options.
  • A 21-day cooling-off period gives you longer than the standard 14 days to change your mind.
  • 24/7 Live Vet support through the Pet Portal, plus GapOnly claims at participating vets.

Cons

  • Dental cover is only included if you add the optional Booster Care benefit.
  • Ambulance fees and pet transport costs aren't covered.

Compare pet insurance from AAMI

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
AAMI Pet Insurance logo
9.4 Excellent
Pet Insurance with AAMI Insurance
9.4 Excellent
$7,500, $20,000 or $35,000
No sub-limit
70%, 80% or 90%
AAMI Insurance partners with award winning pet insurance provider, Petinsurance.com.au.
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Finder Score for pet insurance

We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.

Read the full methodology

Why choose AAMI pet insurance?

AAMI pet insurance offers three levels of cover for dogs and two levels of cover for cats. There are also many other perks that come with opting for an AAMI pet insurance policy, including:

  • GapOnly payments. GapOnly is available at participating vets where customers will only pay the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy.
  • 24/7 access to Live Vet Support. As an AAMI customer, you’ll have 24/7 access to vet advice and support. This can be accessed via AAMI’s Pet Portal where you can start a live chat with a qualified vet in minutes.
  • Optional routine care benefit. You can get cover for routine expenses for your pet by adding routine care to your policy. This includes cover for things like desexing, teeth cleaning, behavioural therapy and more.
  • Access to myPetPass. As AAMI pet insurance is underwritten by petinsurance.com.au, customers can unlock exclusive perks, such as discounts on pet prescription medication and flea, tick and work treatments and savings on premium pet food.

What isn't covered by an AAMI pet insurance policy?

To ensure you know exactly what is and isn't covered, it’s recommended to thoroughly read the PDS. Here are some of the areas AAMI pet insurance does not cover:

  • Pre-existing conditions
  • Elective procedures and treatments
  • Dental care (unless optional Dental Illness Benefit is selected)
  • Your pet not being protected through reasonable precautions to prevent injury or illness

For a full list of exclusions, read the product disclosure statement.

How to make a claim with AAMI pet insurance

You can submit your claim online through your Pet Insurance Account:

    1. Log in. Access your Pet Insurance Account from any device.
    2. Create new claim. Navigate to the claims section within the platform.
    3. Upload documentation. Take a photo or upload a PDF of your paid tax invoice. Ensure the document includes the itemised costs and treatment date.
    4. Provide any other required details. Answer the guided questions regarding the reason for the treatment.
    5. Submit. Review your information, click submit and wait for a response from AAMI.

FAQs

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Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

Ceyda's expertise
Ceyda has written 226 Finder guides across topics including:
  • Insurance
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