ahm pet insurance partners with petinsurance.com.au, a leading pet insurer for dogs and cats ahm offers three cover types and your choice of excess, giving you flexibility to tailor your cover.
Each policy features an up to 80% reimbursement rate.
Policyholders gain access to myPetPass™, which offers discounts on certain pet care products and services.
Pros
ahm’s most comprehensive policy features an impressive annual limit of $30,000
Dental illness cover automatically covered under the Platinum policy.
Option to add-on routine care to cover regular health expenses, like vaccinations.
Cons
No choice of reimbursement rate, limiting your ability to reduce your premium.
Silver cover only available to dogs.
How does ahm pet insurance compare?
Compare other products
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
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.
Emergency boarding. If you are hospitalised and unable to care for your pet, ahm provides a sub-limit of up to $1,500 to help cover the costs of emergency boarding at a licensed kennel or cattery.
Paralysis tick benefit. While Gold and Silver plans have fixed sub-limits, with Platinum Cover you can claim for tick paralysis treatment up to your annual benefit limit.
Annual limits. Choose a plan that fits your needs with generous annual benefit limits of up to $20,000 (Silver/Gold) or even $30,000 (Platinum) for comprehensive peace of mind.
On-the-spot claims with GapOnly. At participating vets, ahm supports GapOnly, meaning you only pay the "gap" (the difference between the vet's invoice and your claim benefit) before you leave the clinic.
Benefit percentage. ahm pet insurance provides a consistent up to 80% reimbursement on eligible vet bills, so you always know exactly how much of the cost is covered.
We currently don't have that product, but here are others to consider:
Looking for other options? Check out these similar products.
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
What will not be covered with ahm?
No matter whether you choose the Silver, Gold or Platinum policy, ahm will not provide cover for the following issues:
Pre-existing conditions
Hereditary conditions and congenital conditions
Chronic conditions
Claw removal
Medicated baths and shampoos
Breeding or obstetrics
Cancer
Neglect
Elective treatments and procedures
Any flea/tick/worm preventative treatments (unless added under Routine Care)
To view the full list of exclusions before taking out cover, please review the product disclosure statement (PDS).
How to make a claim
Claims can be processed at the time of treatment or via reimbursement afterward using one of the following three methods:
GapOnly (In-Clinic). If your vet is a partner, they can submit the claim during your visit. This usually takes about 10 minutes, allowing you to pay only the "gap" between the invoice total and your policy benefit.
Online via Pet Portal. To claim after paying in full, upload the invoice and consultation notes to the ahm Pet Portal. Once the claim is processed, the benefit is paid directly into your bank account.
Veterinary eClaim. You can ask your vet to submit an electronic claim on your behalf after treatment. After ahm reviews and approves the digital submission, the reimbursement is deposited into your account.
FAQs
ahm pet insurance is issued through Petinsurance.com.au, with policies issued by PetSure (Australia) Pty Ltd, an Australian Financial Services licencee that arranges and administers the cover.
Pet insurance policies generally exclude certain costs and conditions. Common exclusions include pre-existing conditions, grooming, prescription diets, elective surgeries and treatments and accessories. Always check your product disclosure statement (PDS) for a full list of specific exclusions.
According to Finder research, the average monthly cost of pet insurance across Australian insurers is about $126 per month, though your premium can vary depending on your pet's age, breed, level of cover and chosen excess.
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
175
Finder guides across topics including:
Discover some funds that cover senior pets, what to look for in a policy and how you can help your furry friend feel comfortable in their twilight years.
Find out what each of the 3 levels of pet insurance from Everyday covers.
Important information about this website
Finder is a comparison service. We do not compare every product or every provider in the market.
We make money through commercial arrangements with some of the providers on this site. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement.
Our editorial content, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements.
The default order of products in our tables can be influenced by commercial arrangements. You can re-sort or filter using the controls above each table.
Some content on this site may be generated or supported by AI tools. You should verify details directly with the provider.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
Our comparison service does not include every product or every provider in the market. Some product issuers offer their products under multiple brands or through associated companies. Where we can, we identify the underlying issuer so you can compare like with like, but you should always check with the provider directly to confirm which brand you are dealing with.
Finder is a comparison website and an intermediary. We are not a product issuer and we do not provide personal financial or credit advice. When you click a link to a product, or apply for a product through our site, you deal directly with the product issuer. We may receive a referral fee, commission or other payment from the issuer if you click through, apply or take out a product. We describe these arrangements in more detail under 'How we make money' below.
Product features, fees, terms and eligibility criteria are set by the product issuer and may change. We rely on information supplied by issuers when we present product details on our site. Before you apply for or take out any product, you should confirm the details directly with the issuer.
We earn revenue from Finder in four principal ways:
Referral fees and commissions. When you click a product link, complete an enquiry form or apply for a product through our site, we may receive a referral fee, commission or other payment from the product issuer. We may also receive payment based on the volume of leads or conversions we send to an issuer.
Sponsored placements. Products marked 'Sponsored', 'Promoted', 'Featured' or 'Advertisement' appear as a result of a commercial arrangement between Finder and the issuer. These labels always indicate a paid placement. We do not use them for editorial choices.
Display advertising. Banner advertising, newsletter advertising and similar display ads on our site are paid by advertisers.
Content sponsorship. Some articles, videos and social media posts are sponsored by an issuer and are clearly labelled as such.
Our editorial opinions, product reviews and any 'Top Pick' designations are prepared independently of these commercial arrangements. A 'Top Pick' is an editorial choice made by our writers and editors based on the criteria described on each comparison page. A 'Top Pick' is not a personal recommendation and does not mean the product is appropriate for your circumstances.
If you would like to know whether we have a commercial arrangement with a specific product issuer, please contact us.
When products are grouped in a table or list, the default order can be influenced by commercial arrangements we have with product issuers. In some categories, sponsored or featured products appear in the top positions of the table by default, and are always labelled as such.
Other factors that influence default order include price, fees and features, and (where relevant) our editorial view of the product.
You can re-sort every comparison table using the controls above the table. You can filter by product features that matter to you. The order you see after re-sorting or filtering is not influenced by commercial arrangements.
Some content on this site is generated or supported by artificial intelligence tools, including our AI-powered assistant FinderBot. AI-generated content may contain errors. Please verify important information directly with the product issuer before making a financial decision. For more information about FinderBot, see the FinderBot Terms of Use and FinderBot Privacy Collection Notice.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
