ahm Pet Insurance

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

4.0 ★★★★★ (13 reviews) 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.

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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.

Have any questions?

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Accidental Injury
Illness
Paralysis Tick Yearly Sub-Limit
Maximum yearly benefit
Reimbursement rate
Reimbursement Rate
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Bow Wow Meow Pet Insurance  logo
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tick
No sub-limit
$30,000
70%, 80% or 90%
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tick
$2,500
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Fetch Pet  logo
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tick
$30,000
$30,000
80% or 90% or 100%
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Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Pet Insurance Australia logo
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tick
$3,000
$30,145
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80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 3 months free when you sign up using the code PIA303. T&Cs apply.
PD Pet Insurance logo
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tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Vets Choice Pet Insurance logo
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tick
$2,500
$15,000
80%
80%
Get a 5% discount when you insure more than one pet.
Petsy Top Cover
ExclusiveHighly Commended
Petsy Pet Insurance logo
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tick
$25,000
$25,000
90%
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.
Guardian Pet Insurance  logo
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tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Real Pet Insurance  logo
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tick
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Pet Insurance  logo
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.
PetsOnMe Pet Insurance logo
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tick
$20,000
$20,000
80%
80%
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
Guide Dogs Pet Insurance  logo
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tick
$2,000
$20,000
85%
85%
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
Potiki Pet Insurance logo
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tick
$2,000
$20,000
80%
80%
Get 1 month free on your first year plus get exclusive access to non-insurance benefits with Potiki Perks & myPetPass™.
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Guide Dogs Pet Insurance  logo
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tick
$1,500
$15,000
75%
75%
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
Everyday Pet Insurance  logo
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tick
$2,000
$24,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Trupanion Pet Insurance logo
tick
tick
Unlimited
$0
90%
90%
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Orivet Bronze Cover
Orivet Pet Insurance logo
cross
tick
No
$20,000
80%
80%
Sign up before 28th February and get 1 month free.
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Petbarn Pet Insurance logo
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tick
$1,500
$0
100%
100%
Use promo code 2MFREE to get 2 months off your first premium. Plus, access to ongoing discounts with the Pet Insurance Rewards Book.
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ING Pet Insurance
ING Pet Insurance logo
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tick
$1,500
$12,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
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Medibank Pet Insurance logo
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tick
No sub-limit
$25,000
80%
80%
⭐Finder Exclusive: Get 2 months premium free when you sign up for Medibank Pet Insurance. Use promo code FINDER2MF by 30 April 2025. T&Cs apply.
Prime Pet Insurance logo
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tick
$1,200
$14,000
85%
85%
With guaranteed renewal you can protect your pet for life.
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Prime Pet Insurance logo
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tick
$1,000
$14,000
80%
80%
With guaranteed renewal you can protect your pet for life.
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Pet Insurance Australia logo
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tick
$1,000
$30,000
80%
80%
Covers your vet bills for specified accidents and illnesses, including cruciate ligament and cancer treatment. Get 3 months free when you sign up using the code PIA303. T&Cs apply.
Petcover Superior Plan
Petcover Pet Insurance logo
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tick
No sub-limit
$200,000
100%
100%
Get a 5% discount when insuring 2 pets, and a 10% discount when insuring 3 pets.
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Petcover Key Plan
Petcover Pet Insurance logo
tick
tick
1st claim up to $2,000 Subsequent claims up to $1,000
$15,000
70%, 80% or 90%
70%, 80% or 90%
Get a 5% discount when insuring 2 pets, and a 10% discount when insuring 3 pets.
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Coles Pet Insurance logo
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.
Petcover Catastrophe 2 Plan
Petcover Pet Insurance logo
tick
tick
No
$10,000
100%
100%
Get a 5% discount when insuring 2 pets, and a 10% discount when insuring 3 pets.
View details
Everyday Pet Insurance  logo
tick
tick
$1,500
$10,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Australian Seniors Pet Insurance  logo
tick
tick
$2,000
$12,000
60%
60%
If you're over 50 get 10% off.
Kogan Pet Insurance logo
tick
tick
No
$5,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Get 1 month free when you purchase Kogan Pet Insurance. Sign up using promo code FREEMONTH. Offer ends 30 September 2025. T&Cs apply.
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Stella Pet Insurance
Stella Pet Insurance logo
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tick
Up to annual benefit limit
$20,000
90%
90%
View details
Real Pet Insurance  logo
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tick
$1,000
$12,000
75%
75%
Covers specific accidents and illnesses for your pet. Get 10% of premiums back in the first 12 months.
Orivet Platinum Cover
Orivet Pet Insurance logo
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tick
Up to annual benefit limit
$30,000
90%
90%
Sign up before 28th February and get 1 month free.
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Commonwealth Bank Classic Cover
Commonwealth Bank Pet Insurance logo
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tick
$4,000
$15,000
70% or 80%
70% or 80%
Get two months' free in your first policy year by using promo code CBA2MONTH. Offer ends 30 June 2025. T&Cs apply.
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Prime Pet Insurance logo
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tick
$14,000
Add dental cover to your Sovereign or Imperial policy. With every additional pet, you get a 10% discount. (T&Cs apply)
HCF Pet Insurance logo
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tick
$1,000
$12,000
80%
80%
HCF members save up to 15% on pet insurance.
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RAC Pet Insurance logo
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tick
No specified limit
$12,000
80%
80%
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Petcover Entry Plan
Petcover Pet Insurance logo
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tick
No sub-limit
$10,000
100%
100%
Get a 5% discount when insuring 2 pets, and a 10% discount when insuring 3 pets.
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Australian Unity Silver Cover
Australian Unity Pet Insurance logo
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tick
$2,000
$20,000
80%
80%
Get 5% discount for Australian Unity customers plus Access to myPetPass™
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Guardian Pet Insurance  logo
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tick
$2,000
$12,000
60%
60%
No joining fee to pay.
Australian Unity Bronze Cover
Australian Unity Pet Insurance logo
tick
cross
No
$20,000
80%
80%
Get 5% discount for Australian Unity customers plus Access to myPetPass™
View details
Kogan Pet Insurance logo
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tick
$2,000
$15,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Get 1 month free when you purchase Kogan Pet Insurance. Sign up using promo code FREEMONTH. Offer ends 30 September 2025. T&Cs apply.
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Petcover Economy Plan
Petcover Pet Insurance logo
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tick
No
$7,000
100%
100%
Get a 5% discount when insuring 2 pets, and a 10% discount when insuring 3 pets.
View details
Pet Circle  logo
tick
tick
$10K or $17.5K or $30K
$10,000
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.
View details
RAC Pet Insurance logo
tick
tick
No specified limit
$12,000
80%
80%
View details
Guide Dogs Pet Insurance  logo
tick
tick
$2,000
$15,000
80%
80%
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
Petinsurance.com.au Dog Platinum Cover
Petinsurance.com.au Pet Insurance logo
tick
tick
$30,000
$30,000
up to 80%
up to 80%
View details
Australian Unity Platinum Cover
Australian Unity Pet Insurance logo
tick
tick
Up to annual benefit limit
$30,000
80%
80%
Get 5% discount for Australian Unity customers plus Access to myPetPass™
View details
RSPCA Pet Insurance  logo
tick
tick
$1,200
$11,000
80%
80%
RSPCA's second most comprehensive policy. For extra protection, you can add on Routine Care Cover. Get 1 month free for the first year of new policies. T&C's apply.
Mad Paws Emergency Plan
Mad Paws Pet Insurance logo
tick
cross
10%
$6,800
70% - 100%
70% - 100%
$50 cash back for new customers.
View details
Budget Direct Pet Insurance logo
tick
tick
$1,000
$12,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Australian Unity Gold Cover
Australian Unity Pet Insurance logo
tick
tick
$3,000
$20,000
80%
80%
Get 5% discount for Australian Unity customers plus Access to myPetPass™
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Petsy Pet Insurance logo
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 Pet Insurance  logo
tick
tick
$2,000
$12,000
60%
60%
Basic level of cover for injuries such as falls, car accidents, burns and snake bites. Get 10% of premiums back in the first 12 months.
Petcover Mid-point Plan
Petcover Pet Insurance logo
tick
tick
No sub-limit
$15,000
100%
100%
Get a 5% discount when insuring 2 pets, and a 10% discount when insuring 3 pets.
View details
Australian Seniors Pet Insurance  logo
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.
Potiki Pet Insurance logo
tick
tick
$3,000
$20,000
80%
80%
Get 1 month free on your first year plus get exclusive access to non-insurance benefits with Potiki Perks & myPetPass™.
View details
Potiki Pet Insurance logo
cross
tick
No
$20,000
80%
80%
Get 1 month free on your first year plus get exclusive access to non-insurance benefits with Potiki Perks & myPetPass™.
View details
RSPCA Pet Insurance  logo
tick
tick
$2,000
$11,000
60%
60%
Covers your vet bills when your cat or dog suffers an accidental injury or illness. Get 1 month free for the first year of new policies. T&C's apply.
ahm Pet Insurance logo
tick
tick
$30,000
$30,000
80%
80%
View details
Vets Choice Pet Insurance logo
tick
tick
$2,500
$12,000
80%
80%
Get a 5% discount when you insure more than one pet.
Petmed Pet Insurance logo
tick
tick
$1,000
$18,000
65% or 80%
65% or 80%
View details
Prime Pet Insurance logo
tick
tick
$2,000
$14,000
65%
65%
With guaranteed renewal you can protect your pet for life.
View details
Orivet Silver Cover
Orivet Pet Insurance logo
tick
tick
$2,000
$20,000
80
80
Sign up before 28th February and get 1 month free.
View details
Commonwealth Bank Plus Cover
Commonwealth Bank Pet Insurance logo
tick
tick
Up to annual benefit limit
$30,000
80% or 90%
80% or 90%
Get two months' free in your first policy year by using promo code CBA2MONTH. Offer ends 30 June 2025. T&Cs apply.
View details
Australian Seniors Pet Insurance  logo
tick
tick
$1,000
$12,000
75%
75%
If you're over 50 get 10% off.
RSPCA Pet Insurance  logo
tick
tick
$1,000
$11,000
75%
75%
Covers your pet for a range of accidents and illnesses. Get 1 month free for the first year of new policies. T&C's apply.
Petcover Catastrophe 1 Plan
Petcover Pet Insurance logo
tick
tick
No
$5,000
100%
100%
Get a 5% discount when insuring 2 pets, and a 10% discount when insuring 3 pets.
View details
Petcover Core Plan
Petcover Pet Insurance logo
tick
tick
1st claim up to $2,000 Subsequent claims up to $1,000
$5,000
70%, 80% or 90%
70%, 80% or 90%
Get a 5% discount when insuring 2 pets, and a 10% discount when insuring 3 pets.
View details
RACQ Pet Insurance logo
tick
tick
No specified limit
$12,000
80%
80%
View details
Coles Pet Insurance logo
tick
tick
$2,500
$10,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Knose Pet Insurance logo
tick
tick
$12,500
$12,500
70%
70%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
Kogan Pet Insurance logo
tick
tick
$1,200
$8,000
80%
80%
Get 1 month free when you purchase Kogan Pet Insurance. Sign up using promo code FREEMONTH. Offer ends 30 September 2025. T&Cs apply.
View details
PD Pet Insurance logo
tick
tick
$5,000
$5,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Mad Paws Deluxe Plan
Mad Paws Pet Insurance logo
tick
tick
100%
$15,000
70% - 100%
70% - 100%
$50 cash back for new customers.
View details
Everyday Pet Insurance  logo
tick
tick
$1,500
$5,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Bupa Pet Insurane logo
tick
tick
$1,500
$20,000
80%
80%
Save 10% if you're a Bupa health member.
View details
Medibank Pet Insurance logo
tick
tick
$4,000
$10,000
70%
70%
⭐Finder Exclusive: Get 2 months premium free when you sign up for Medibank Pet Insurance. Use promo code FINDER2MF by 30 April 2025. T&Cs apply.
Mad Paws Classic Plan
Mad Paws Pet Insurance logo
tick
tick
100%
$110,000
70% - 100%
70% - 100%
$50 cash back for new customers.
View details
PD Pet Insurance logo
tick
tick
$10,000
$10,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Potiki Pet Insurance logo
tick
tick
$30,000
$30,000
80%
80%
Get 1 month free on your first year plus get exclusive access to non-insurance benefits with Potiki Perks & myPetPass™.
View details
Orivet Gold Cover
Orivet Pet Insurance logo
tick
tick
$3,000
$20,000
80%
80%
Sign up before 28th February and get 1 month free.
View details
PetsOnMe Pet Insurance logo
tick
tick
$10,000
$10,000
80%
80%
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
Guardian Pet Insurance  logo
tick
tick
$1,000
$12,000
75%
75%
No joining fee to pay.
Pet Circle  logo
tick
tick
$10K or $17.5K or $30K
$30,000
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.
View details
Petcover Vital Plan
Petcover Pet Insurance logo
tick
tick
1st claim up to $2,000 Subsequent claims up to $1,000
$10,000
70%, 80% or 90%
70%, 80% or 90%
Get a 5% discount when insuring 2 pets, and a 10% discount when insuring 3 pets.
View details
Budget Direct Pet Insurance logo
tick
tick
$1,500
$15,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Pet Insurance Australia logo
tick
tick
$1,000
$6,000
90%
90%
Highest reimbursement rate out of PIA's policies. Get 3 months free when you sign up using the code PIA303. T&Cs apply.
PetsOnMe Pet Insurance logo
tick
tick
$5,000
$5,000
80%
80%
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
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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

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    We all know who RSPCA is, but how do their pet insurance policies stack up? Learn if their policies are right for you with our latest review.

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