Australian Unity Pet Insurance Review

Key takeaways

  • Australian Unity provides four levels of cover: Bronze, Silver, Gold and Platinum.
  • All plans include accident and illness cover, with annual benefit limits up to $30,000 depending on the tier.

Pros

  • 5% discount for Australian Unity customers.
  • Flexible excess options: Choose from $0, $250 or $500.
  • Covers a wide range of conditions including dental illness, cancer, skin conditions and hereditary conditions.
  • All tiers include both accident and illness cover, even Bronze.
  • Access to myPetPass a bonus perk included with all policies.

Cons

  • Routine care is not included by default – it's only available as an optional add-on.
  • No accident-only policy; all plans include illness cover, so limited-cover options aren't available.

How does pet insurance from Australian Unity compare?

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Australian Unity Pet Insurance logo
Finder Score
Australian Unity Platinum Cover
Finder Score
$30,000
$30,000
up to 80%
Get 5% discount for Australian Unity customers plus Access to myPetPass™. T&Cs apply.
More info
Compare product selection
Australian Unity Pet Insurance logo
Finder Score
Not scored yet
Finder Score
Not scored yet
$20,000
$2,000
up to 80%
Specified illnesses only
Get 5% discount for Australian Unity customers plus Access to myPetPass™. T&Cs apply.
More info
Compare product selection
Australian Unity Pet Insurance logo
Finder Score
Not scored yet
Australian Unity Bronze Cover
Finder Score
Not scored yet
$20,000
up to 80%
Specified illnesses only
Get 5% discount for Australian Unity customers plus Access to myPetPass™. T&Cs apply.
More info
Compare product selection
Australian Unity Pet Insurance logo
Finder Score
Australian Unity Gold Cover
Finder Score
$20,000
$3,000
up to 80%
Get 5% discount for Australian Unity customers plus Access to myPetPass™. T&Cs apply.
More info
Compare product selection
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Finder Score for pet insurance

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Why choose Australian Unity Pet Insurance?

Australian Unity offers comprehensive vet bill coverage and added features across its plans, including:

  • Up to 80% reimbursement rate across all policies.
  • Annual benefit limits of $20,000 or $30,000, depending on the plan.
  • Wide-ranging cover: Includes consultations, surgery, emergency visits, hospitalisation, medicines and drugs.
  • Optional routine care to support preventive treatments (not automatically included).
  • Access to myPetPass with every policy that provides support and tools for pet owners.
  • Available to pets aged 8 weeks to 14 years (age limits based on policy data).

myPetPass is a pet care platform included with every Australian Unity pet insurance policy. It gives members access to features such as:

  • A digital pet profile where you can store and share your pet's health records
  • Discounts and offers on products and services from participating pet care providers
  • Access to educational resources and reminders to help manage your pet's health

It's designed to simplify pet ownership by keeping important records in one place and offering perks that go beyond insurance coverage.

What's covered?

All Australian Unity plans include:

FeatureCovered?Notes
Accidental injuryYes0-day waiting period on Silver, Gold, Platinum
IllnessYes21-day waiting period across all plans
Dental illnessYes6-month waiting period; not included in most budget plans from others
Hereditary conditionsYesGold & platinum tiers
Cancer treatmentYesGold, platinum & bronze tiers
Skin conditionsYesGold & platinum tiers
Cruciate ligamentYesSilver, gold & platinum tiers
Consultations, surgery, drugsYesCovered on all plans
Emergency and hospitalisationYesCovered on all plans
Paralysis tickYesSilver, gold & platinum tiers
Routine careOptionalAdd-on only

What's not covered?

Like most insurers, Australian Unity excludes the following:

  • Pre-existing conditions
  • Elective or cosmetic procedures
  • Routine care unless added
  • Conditions during waiting periods
  • Pregnancy, birthing, or fertility treatment
  • Experimental or non-approved treatments
  • Food, grooming, or training costs
  • House calls or transportation (unless emergency)

How much does Australian Unity pet insurance cost?

Here are sample quotes for a 5-year-old dog, with $250 excess and 80% reimbursement:

3 of 3 results
Annual quote
Australian Unity Pet Insurance logo
Australian Unity Platinum Cover
$1,174.54
More info
Compare product selection
Australian Unity Pet Insurance logo
$557.11
More info
Compare product selection
Australian Unity Pet Insurance logo
Australian Unity Gold Cover
$1,009.99
More info
Compare product selection
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Showing 3 of 3 results

Is Australian Unity pet insurance right for me?

Australian Unity pet insurance offers flexible, feature-rich policies backed by one of Australia's major underwriters.

With solid reimbursement rates, comprehensive inclusions and access to myPetPass, it's a strong contender for pet owners who want broad coverage, especially those already with Australian Unity.

Best for: Pet owners who want mid-to-premium cover, customisable excess options and access to a support platform like myPetPass.

Sources

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