Australia Post Pet Insurance

Cover as much as 80% of your vet bills and make the most of a premium discount for multiple pets with Australia Post Pet Insurance.

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Australia Post pet insurance offers a range of policies 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. Here's what you need to know about Australia Post Pet Insurance.

Our Verdict:

  • Choose from 3 levels of cover to keep your furry friend protected.
  • Enjoy a 10% premium discount if you insure multiple pets.
  • Australia Post's annual benefit limit of $15,000 could meet a range of needs, but it is lower than six quotes you can find on our site including Knose and Petsy who both go as high as $25,000.

Review by our insurance senior writer James Martin

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

PolicySummary
Gold Pet Insurance
  • Comprehensive policy with benefit limits of up to $15,000 per year.
  • Up to 80% of eligible vet bills covered.
  • Accidental injuries cover: includesbone fractures, lacerations, cuts, abrasions, ligament and tendon injuries, bite wounds and snake bites.
  • Illness cover: includes cancer, tick paralysis, skin conditions, eye and ear conditions.
  • Up to $300 annual cover for vet consultations.
  • Cover for hospitalisation and emergency boarding costs.
  • Cover for essential euthanasia costs.
  • Pet overseas travel insurance.
Silver Pet Insurance
  • Mid-level cover for your pet
  • Up to 80% of eligible vet bills covered.
  • Same coverage as the Gold policy except for a lower annual benefit limit of up to $10,000.
  • Optional routine care is available, if you would like cover for preventative treatments such as worming, microchipping and obedience training.
Bronze Pet Insurance
  • Covers your pet if they suffer from an illness or unexpected accident.
  • Up to 65% of eligible vet bills covered.
  • Same coverage as the Gold policy except for a lower cover percentage and lower annual benefit limit of up to $3,000.

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
  • 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

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.

More 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.

What factors affect the cost of Australia Post Pet Insurance?

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.

Compare more pet insurance policies

Name Product Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Dog Insurance
$12,000
$1,500
$12,000
80%
80%
⭐Finder Exclusive: Buy a Budget Direct Pet Insurance policy by August 31st and you will receive a $80 eGift Card once you pass your 21-day cooling off period.
Medibank Ultimate Pet Care
$15,000
$1,200
$15,000
80%
80%
Get 1 month free of Pet Insurance. Plus, Medibank health members save 10% every year. Use the promo code FREEMONTH. Offer ends August 18, 2021. T&Cs apply.
PD Deluxe Plan
$15,000
$2,300
$15,000
N/A
N/A
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
Knose Dog Cover
$25,000
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off of the first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$15,145
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$15,000
$2,500
$15,000
100%
100%
Get a 5% discount when you insure more than one pet.
Kogan Pet Luxury Cover
$15,000
$2,000
$15,000
80% or 65%
80% or 65%
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$25,000
$1,500
$25,000
100%
100%
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
Coles Premium Cover
$15,000
$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.
PetSecure Accident and Illness Cover
$12,000
$500
$12,000
75% or 85%
75% or 85%
Your pet is covered for life.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
Up to $20,000 annual limit
$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.
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