Finder makes money from featured partners, but editorial opinions are our own.

ahm Pet Insurance

Get up to 80% off your eligible vet bills with $0 excess and fast online claims.

No reviews yet. Write a review

ahm health insurance has partnered with petinsurance.com.au to provide health cover for your furry family. In addition to vet costs, the pet insurance policies cover expenses for emergency boarding if you're hospitalised, as well as tick paralysis and overseas vet expenses in eligible destinations.

ahm pet insurance is not currently available via Finder. But don't fret! You can head to their website at www.ahm.com.au for more information or compare a bunch of other pet insurance companies with Finder.
Compare pet insurance fast

What policies can I choose from?

Petinsurance.com.au offers four types of policies to meet the needs of all dog or cat owners: Dog Cover, Puppy Cover, Cat Cover and Indoor Cat Cover.

Dog Cover provides protection for you and your dog in case of accidental injury and/or illness. Covered under the accidental injury policy are motor vehicle incidents, burns and snakebites. Both plans offer coverage for up to 80% of eligible vet bills, with a $10,000 limit for injury and illness or $10,000 for accidental injury.

The first cover designed especially for puppies, Puppy Cover provides protection for you and your puppy in case of accidental injury and/or illness. Covered under the accidental injury policy are motor vehicle incidents, burns and snakebites (among others). Both plans offer coverage for up to 80% of eligible vet bills, with a $10,000 limit for injury and illness or $8,000 for accidental injury. Premiums are fixed for up to three years.

Cat Cover is designed to provide protection for you and your cat in case of accidental injury and/or illness. Covered under the accidental injury policy are motor vehicle incidents, burns and snakebites. Both plans offer coverage for up to 80% of eligible vet bills to an annual limit of $3,000 each for the injury and illness or $3,000 for the accidental injury policy.

Indoor Cat Cover is designed to provide protection for you and your cat in case of illness. Coverage under the policy includes cancer, renal disease and ingestion of a foreign object. The plan offers coverage for up to 80% of eligible vet bills to a limit of $5,000 per year.

What does accidental injury cover mean?

Your pet is eligible for accidental injury cover starting from when it is eight weeks old. Up to 80% of the costs of your vet bills are covered in case of an accidental injury caused by:

  • Motor vehicle incident
  • Burn or electrocution
  • Ingestion of a foreign object
  • An allergic reaction to an insect bite (other than tick or flea bites)

Also covered are accidental injuries which result in:

  • Broken bones
  • Poisoning
  • Snake bite toxicity
  • Soft tissue injury
  • Fight wound

Coverage excludes vet expenses resulting from pre-existing conditions, patella luxations (dislocating kneecap) and more than one incident of removing a swallowed foreign object per policy period.

What kinds of illnesses are covered?

Your pet is eligible for illness cover from Petinsurance.com.au if your pet is between eight weeks and nine years old when the cover is first started. Up to 80% of the costs of your vet bills are covered in the event your cat or dog suffers an illness, including:

  • Cancer
  • Gastrointestinal problems
  • Diabetes
  • Heart disease

Not covered are vet expenses incurred as a result of pre-existing conditions, endoparasites (worms) or ectoparasites (ticks, fleas, skin mites), any declared pandemic disease causing widespread illness to dogs or cats. Claims will also not be paid for treatment of the following diseases, regardless of whether or not your pet was vaccinated:

  • Infectious canine hepatitis
  • Parvo
  • Kennel cough
  • Feline leukaemia
  • All forms of cat flu
  • Calicivirus

What additional benefits are on offer?

As a Petinsurance.com.au policyholder, you also receive the following additional benefits:

  • Emergency boarding. As the pet's sole caregiver, if you are hospitalised for more than five consecutive days, the cost of the pet's stay at a licensed kennel or cattery is covered. Excluded are hospitalisations for cosmetic or elective surgeries, pregnancy or any sickness foreseen before cover starts.
  • Essential euthanasia. If a vet determines that euthanasia is the best and most humane course of action, you are covered up to the benefit limit. Not covered are non-essential euthanasia, euthanasia attributable to an excluded condition, costs for disposal, burial or cremation.
  • Paralysis tick benefit. Vet costs resulting from tick paralysis are covered (up to your sub-limit). Excluded are preventative treatments and costs resulting from bites from any other tick species.
  • Pet overseas travel insurance. In case your pet needs treatment while travelling overseas with you to destinations not requiring quarantine upon your return, you are covered up to the normal limits of your policy.

What is covered by routine care?

Petinsurance.com.au provides benefits for some routine care. If listed in your policy, you are also covered up to annual policy limits for preventative treatments such as:

  • Desexing
  • Microchipping
  • Teeth cleaning
  • Vaccination or health check
  • Flea/tick/worm control

What's not included?

As with most insurance, there are events, circumstances and conditions that are not covered by your policy. Your claim will not be paid if it is related to:

  • A pre-existing condition.
  • Dental care.
  • Regular or prescription food, vitamins, supplements, etc.
  • Preventative procedures and treatments.
  • Grooming and bathing.
  • Accessories.
  • Training, socialisation, other therapies (recommended by vet or not).
  • Treatment while dog is being used for breeding or fighting.
  • Conditions due to behavioural problems.
  • A condition where the diagnosis is inconclusive, but where the treatment is consistent with a treatment typically applied to an excluded accidental injury or illness (for example, treatment for coughing where kennel cough is suspected but not diagnosed).
  • Cell-replacement and stem cell therapy (blood transfusions are covered when medically necessary).
  • Use of non APVMA approved medications.
  • Breeding or obstetrics.
  • Transport or boarding expenses.
  • Ambulance fees.
  • After hours treatment, unless vet confirms an emergency consultation was necessary.
  • Genetic testing for breeding or genealogical purposes.
  • Transplants and prosthetics.
  • Routine exams, desexing, elective treatments.
  • Malicious acts or deliberate injury caused by you or a member of your household.
  • Your failure to take reasonable precautions to protect your pet.

Why you can trust Finder's pet insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching pet insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

Have any questions?

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Everyday Comprehensive Plus Cover
tick
tick
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Medibank Pet Max Cover with Extra Care
tick
tick
$30,000
$30,000
90%
90%
Get your first month free if you sign-up by 19 August 2024. Use promocode 1FREE. T&Cs Apply.
PIA Major Medical Cover
tick
tick
$3,000
$30,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
tick
tick
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
Budget Direct Plus Cover
tick
tick
$3,000
$25,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Coles Premium Cover
tick
tick
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
tick
tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Fetch Pet Insurance
tick
tick
$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Pet Circle Dog Cover
tick
tick
$10K or $17.5K or $30K
$0
70% or 80% or 90%
70% or 80% or 90%
Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
Vets Choice Elite Cover
tick
tick
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Guardian Platinum Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Petsy Custom Cover
tick
tick
$5000 or $10,000 or $25,000
$0
80% or 90%
80% or 90%
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
Real Premium Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Ultimate Plus Accident and Illness Cover
tick
tick
$20,000
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Australian Seniors Top Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.
loading

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

Alexandra Koster's headshot
Publisher

Alexandra Koster was Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs. See full bio

More guides on Finder

  • ahm health insurance offers

    Get a simple breakdown of the membership advantages offered by ahm and find out if any limited time deals are currently available.

Go to site