Cover up to 80% of your veterinary bills with Australia Post Pet Insurance. Choose from 3 levels of cover to keep your furry friend protected.
Australia Post offers a range of pet insurance policies to choose from so that even the most unexpected vet bills can be managed without stress. With Australia Post, you can cover up to 80% of your veterinary bills and tailor your cover with additional extras such as vaccinations, desexing, training, microchipping and more.
This review will explore the different policies available and discuss what you are and aren't covered for as well as looking at the reasons why you should choose Australia Post Pet Insurance.
Compare Australia Post Pet Insurance policies
What pet insurance policies are offered by Australia Post?
Australia Post offers three levels of cover to suit the different needs and budgets of pet owners: Gold Pet Insurance, Silver Pet Insurance and Bronze Pet Insurance.
Gold Pet Insurance
This is a comprehensive policy for those dog and cat owners who want cover that provides maximum peace of mind. It provides cover for up to 80% of your eligible vet bills, with benefit limits of up to $15,000 per year. Australia Post Gold Pet Insurance includes:
- Accidental injuries cover, including bone fractures, lacerations, cuts, abrasions, ligament and tendon injuries, bite wounds and snake bites.
- Illness cover, including cancer, tick paralysis, skin conditions, eye and ear conditions.
- Up to $300 cover per year for vet consultations.
- Cover for hospitalisation and emergency boarding costs.
- Cover for essential euthanasia costs.
- Pet overseas travel insurance.
- Up to $200 optional cover per year for preventative health care treatments.
- Fast and simple online and mail claims process.
Silver Pet Insurance
Silver Pet Insurance is Australia Post’s mid-level cover option, providing a balance between affordable premiums and a wide range of benefits. It covers up to 80% of eligible vet bills for your dog or cat, up to a maximum of $10,000 per year.
Australia Post Silver Pet Insurance includes all the same cover features as the Gold policy listed above, with the only difference being the lower annual benefit limit of $10,000. Once again, optional cover for routine preventative treatments such as worming, microchipping and obedience training is available.
Bronze Pet Insurance
Australia Post Bronze Pet Insurance is designed to offer affordable protection for when your dog or cat is involved in an unexpected accident or suffers an illness. All the cover features listed under the Gold Pet Insurance policy are included in the Bronze policy, with the difference being that Australia Post Bronze Pet Insurance covers 65% of your eligible vet bills, up to a maximum of $3,000 per year.
What isn’t covered?
There are specific situations, circumstances, treatments and products that Australia Post Pet Insurance does not cover, including:
- Pre-existing conditions
- Dental procedures, dental diseases and gingivitis
- Treatment of teeth fractures, teeth cleaning and removal of any deciduous or fractured teeth
- Preventative treatments and procedures such as flea/tick prevention and routine anal gland expression
- Pet food, vitamins or supplements
- Grooming and bathing of your pet
- Accessories such as crates, bedding and collars
- Training, socialisation, therapy and alternative therapies
- Treatment while your pet is used for commercial or occupational purposes, such as racing or breeding
- Treatment of conditions attributable to behavioural problems, such as phobias or anxiety disorders
- Cell replacement therapies, such as stem cell therapy to treat arthritis
- Medication not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority)
- If you choose to pursue a course of treatment other than that recommended by your vet
- Breeding or obstetrics
- Transport or boarding expenses (other than emergency boarding)
- Ambulance fees and non-essential hospitalisation
- House calls, phone consultations and out-of-hours treatment unless your vet believes an emergency consultation was necessary (if this is the case, cover is only provided for what treatment would have cost at a vet practice during normal consultation hours)
- Genetic testing to determine your pet’s suitability for breeding
- Organ transplant surgery and prosthetics
- Elective procedures and treatments, such as tail docking or de-barking
- Claims that arise due to a malicious act, deliberate injury or gross negligence caused by you or anyone living with you
- If you fail to take all reasonable precautions to protect your pet from any situation that may lead to illness or injury
- Illness caused by worms or fleas
- Treatment for conditions for which there is a known vaccination, including:
- For dogs: infectious canine hepatitis (canine adenovirus), parvovirus, canine distemper, parainfluenza and all forms of kennel cough
- For cats: panleukopenia, chlamydia, leukaemia (FeLV), Feline Immuno Deficiency Virus (FIV) and Feline Infectious Peritonitis (FIP), viral rhinotracheitis, calicivirus, herpes virus and all forms of cat flu
How do I make a claim with Australia Post Pet Insurance?
- If you’d like to make a claim under your Australia Post Pet Insurance policy, you can do so online or by post. Claim forms are available for download from the Australia Post Pet Insurance website, or by phoning 1300 503 806.
- You’ll need to include an itemised tax invoice and your vet’s consultation notes. If submitting your claim by post, you must send original copies of all documentation.
- If this is the first time you’ve submitted a claim, you must also include a full veterinary history from the attending vet and any other vets who have previously treated your pet.
- All claims must be submitted to and received by the insurer within 90 days of treatment. You will need to pay the vet bills in full before submitting your claim.
Why should I choose Australia Post Pet Insurance?
There are plenty of reasons why you should consider taking out a pet insurance policy with Australia Post.
- Choose the cover that suits you. There are three different policies available so you can choose the cover that matches both your pet’s needs and your budget.
- Enjoy maximum protection. Australia Post Pet Insurance covers up to 80% of your eligible vet bills, ensuring that you can afford to pay for the treatment that your pet needs.
- Australia-wide cover. You can cover your cat or dog against illness and injury anywhere in Australia.
- Choose your excess. Flexible excess options of $0, $100 and $200 allow you to tailor your policy to suit your needs and adjust your premium amount.
- Multi-pet discount. If you insure multiple pets, you will receive a 10% premium discount.
- Optional pet wellness benefits. You also have the option of taking out additional cover for the cost of preventative treatments such as vaccinations, desexing and microchipping.
- Fast and easy claims. It’s simple, quick and convenient to lodge your Australia Post Pet Insurance claim online or by post.
Some final questions you might have about Australia Post Pet Insurance
Is there a cooling-off period?
Yes, a 30-day cooling-off period applies. Cancel your policy within the first 30 days of cover and you will receive a full refund.
Can I cover my pet at any age?
Australia Post’s Bronze, Silver and Gold Pet Insurance policies are available for pets at least eight weeks old. However, if your pet is nine years or older, it is only eligible for Bronze Pet Insurance.
Is my pet covered for life?
Yes. Once your pet is accepted and as long as you continue to pay your premiums, your pet is covered for life.
Will I need to serve any waiting periods?
You can claim straight away for accidental injuries, but the following waiting periods do apply:
- 30 days for conditions covered under the illness cover and tick paralysis sections of your policy
- 6 months for cruciate ligament conditions
Can I cover any type of pet?
No. Australia Post Pet Insurance only provides cover for cats and dogs.
Can I choose my vet?
Yes, you can take your pet to any vet you want, as long as they are properly licensed and registered in Australia.
Who underwrites Australia Post Pet Insurance?
All three pet insurance policies are underwritten by The Hollard Insurance Company Pty Ltd.
How much does Australia Post Pet Insurance cost?
The cost of Australia Post Pet Insurance is affected by a wide range of factors, including the policy and excess you select, where you live and the species, breed and age of your pet.
How do I pay my premiums?
Australia Post Pet Insurance premiums can be paid in the following ways:
- Annually by credit card or direct debit
- Monthly or fortnightly by credit card or direct debit