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?
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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 to help cover the costs of emergency boarding at a licensed kennel or cattery.
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.
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
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
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.
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