3 tiers of cover available (Gold and Platinum cover only available for cats)
Choice of $0, $250 or $500 excess
Pros
Fixed reimbursement rate of 80% across all policy types
Cover for at-home consultations and emergency boarding available (sub-limits apply)
GapOnly® cover available at participating vet clinics
Cons
Dental care is not automatically included (Platinum cover must be purchased or optional Dental Illness Benefit is selected)
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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.
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 (some conditions are eligible for review after an 18-month period)
Elective procedures and treatments
Dental care (unless Platinum cover or optional Dental Illness Benefit is selected)
Your pet not being protected through reasonable precautions to prevent injury or illness
Day-to-day care
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:
Log in. Access your Pet Insurance Account from any device.
Create new claim. Navigate to the claims section within the platform.
Upload documentation. Take a photo or upload a PDF of your paid tax invoice. Ensure the document includes the itemised costs and treatment date.
Provide any other required details. Answer the guided questions regarding the reason for the treatment.
Submit. Review your information, click submit and wait for a response from AAMI.
FAQs
AAMI Pet Insurance helps cover the cost of eligible vet treatments if your pet gets sick or injured. Depending on the level of cover you choose, this can include things like accidents, illnesses, surgery, hospitalisation and some diagnostic tests.
Yes, you can usually visit any registered vet in Australia. This gives you the flexibility to see your regular vet or visit an emergency clinic if needed.
Yes, so you won’t be able to claim for certain conditions immediately after taking out a policy. Waiting periods can vary depending on whether it’s an accident, illness or specific condition, so it’s important to review the PDS for exact details.
No, pre-existing conditions are generally not covered, though some conditions are eligible for review after an 18-month period.
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.
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