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Australian Seniors Pet Insurance Review

Australian Seniors pet insurance is good if you’re over 50 – you get a 10% discount – but less so if you’re younger.

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Australian Seniors Pet Insurance

Despite its name, Australian Seniors Insurance Agency is not exclusively for seniors. Its pet cover products are backed by The Hollard Insurance Company teamed with The Hollard Insurance Company Pty Ltd, and you can choose from 3 levels of cover for your dog or cat.

Our verdict

  1. It's good if you're over 50 – you get 10% off your policy. If you're younger, you're still eligible for cover but you won't be entitled to a discount.
  2. Basic Accident and Illness Cover has a $2,000 paralysis tick benefit, which is higher than most policies available on Finder.
  3. Its $12,000 annual limit isn't market-leading – it's possible to get up to $25,000 if you think you'll need that much.

Review by our insurance and innovations editor Gary Ross Hunter


10% off if you're over 50

If you're over 50 years old, get 10% off your policy.

Need pet insurance? Compare pet insurance from Australian Seniors

Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Australian Seniors Top Accident & Illness Cover
Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.
Australian Seniors Essential Accident & Illness Cover
If you're over 50 get 10% off.
Australian Seniors Basic Accident & Illness Cover
If you're over 50 get 10% off.

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What are my cover options with Australian Seniors?

Basic Accident & Illness Cover

The entry-level offering provides your pet with basic care when they are sick or injured. With this type of cover, you are insured for up to 60% of your veterinary bills for treatment of injuries such as fractured bones, snakebite toxicity and some illnesses. Your pet is also covered for vet expenses incurred overseas (excluding countries from which animals must be quarantined after return), as well as emergency boarding if you are hospitalised and can't fulfil your responsibilities as sole carer of your pet.

Essential Accident & Illness Cover

The next level up is Essential Accident & Illness Cover, which entitles you to as much as $12,000 per year at 75% of your veterinary expenses. Pre-existing conditions are excluded, as well as a range of specified ailments, but like Basic Accident & Illness Cover, you are insured for overseas travel and essential euthanasia.

Top Accident & Illness Cover

As the name suggests, this level of cover offers the greatest benefits. Like the Essential option, you're entitled to a maximum of $12,000, but you get back 80% of any applicable veterinary treatment costs. Top Accident & Illness Cover also includes the option of a routine care benefit, but this is at a lower limit than some other insurers offer, so it's worth doing your maths carefully to make sure it's the right choice for you.

See some prices for Australian Seniors pet insurance

To help give you an idea about costs for Australian Seniors pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like you're own dogs breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog breed1 year old5 year old
Maltese Cross$897.09$1,228.01
Staffordshire Bull Terrier$1,110.34$1,532.06
Border Collie$1,110.34$1,532.06

What isn't covered under my policy?

The following won't be covered by your policy:

  • Ambulance fees and any hospitalisation not deemed essential
  • Artificial limbs, organ transplants and prosthetics (for example, total hip replacement)
  • Breeding or obstetrics
  • Deliberate harm to your pet, caused by you or anyone living with you
  • Dental care, behavioural therapy and alternative therapies
  • Elective procedures such as declawing, and cosmetic procedures
  • Euthanasia necessitated by one of the conditions mentioned in the list of general exclusions
  • General day-to-day care, such as food, dietary advice, grooming and accessories
  • Illnesses that are caused by parasites other than paralysis tick
  • Infectious diseases specific to canines and felines, such as kennel cough or feline immunodeficiency virus (FIV)
  • Injury or illness arising from you neglecting to keep your pet safe, for example by minimising its access to anything hazardous it might ingest
  • Pre-existing and bilateral conditions
  • Treatment for illness or injury related to your pet being used commercially or occupationally, for example as a guard dog
  • You will not be eligible for a reimbursement of boarding costs if the reason you are in hospital is pregnancy, cosmetic surgery, or any ailments you knew about before your pet's cover commenced

What do I do if I need to make a claim?

You can either submit a claim online or send a paper claim form by mail, but in both cases, your claim must be received within 90 days of the treatment date, or you may be charged a late fee.

If you wish to claim online, you need to sign up to the online service, and if it is your first claim, you must supply your pet's full veterinary history, as well as the adoption paperwork if it joined your family as an adult. You then need to upload a copy of the consultation notes from your trip to the vet and the itemised invoice for any costs incurred.

For paper claims, you need to print and fill out a claim form, and ask your vet to complete the relevant section. The form needs to be signed by both your vet and yourself, and you need to include all the original receipts, itemised invoices and consultation notes when you mail the form.

What are the benefits of choosing Australian Seniors pet insurance?

Australian Seniors policies offer several distinct advantages, the first one being that no excess is charged at any level of cover. The cost of your vet visiting your four-legged friend at home is also eligible for reimbursement, although certain sub-limits apply.

While some companies charge extra if you choose to pay your premiums monthly or fortnightly, this is not the case with Australian Seniors. The total amount you have to pay is the same whether it's in one lump sum or divided into instalments. To protect you against potential interruptions in cover, your policy is renewed automatically, although you will be notified when this is due to take place.

Why you can trust Finder's pet insurance experts


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