ahm Pet Insurance Review

Access an annual limit of up to $35,000 plus other handy pet care perks with ahm pet insurance.

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Ceyda Erem

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ahm Pet Insurance

Key takeaways

  • 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 a 70%, 80% or 90% reimbursement rate.
  • Policyholders gain access to myPetPass™, which offers discounts on certain pet care products and services.

Pros

  • Choose your annual limit, a 70%, 80% or 90% benefit percentage and your excess to suit your budget.
  • Pre-existing temporary conditions can regain cover if your pet has been symptom-free for 18 months.
  • The 6-month cruciate ligament waiting period can be reduced if your vet completes an examination form after your cover starts.

Cons

  • Physio, hydrotherapy and other specialised therapies are only covered if you add the optional Booster Care benefit.
  • No cover for some big-ticket procedures, including heart valve surgery and organ transplants.

How does ahm pet insurance compare?

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
9.5 Excellent
$7,500, $20,000 or $35,000
No sub-limit
70%, 80% or 90%
Discount: Get your first 2 months free with promo code AHM2MF. T&Cs apply.
ahm partners with award-winning pet insurance provider petinsurance.com.au.
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Why choose ahm pet insurance?

Key perks included in their policies include:

  • Emergency boarding. If you’re hospitalised and unable to care for your pet, ahm helps cover emergency boarding at a licensed kennel or cattery for up to 30 days a year, within your annual benefit limit.
  • Annual limits. Choose a plan that fits your needs with generous annual benefit limits of up to $20,000 or even $35,000 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 70%, 80% or 90% reimbursement on eligible vet bills, so you always know exactly how much of the cost is covered.

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
  • Neglect
  • Elective treatments and procedures
  • Any flea/tick/worm preventative treatments
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

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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 243 Finder guides across topics including:
  • Insurance
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