Australian Unity Pet Insurance Review

Tailor your cover to best suit your needs and budget with Australian Unity pet insurance.

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Ceyda Erem

Updated

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Australian Unity Pet Insurance

Key takeaways

  • Australian Unity offers one simple pet insurance policy for both cats and dogs.
  • All plans include accident and illness cover, with annual benefit limits up to $35,000 depending on the tier.
  • The brand supports GapOnly, allowing policyholders to pay only the gap between the vet's invoice and the insurance benefit at participating clinics.

Pros

  • Hereditary and congenital conditions are covered, provided they showed no signs before your cover started or during waiting periods.
  • Emergency boarding for your pet is included if you're hospitalised for 2 or more days, for up to 30 days per policy year.
  • GapOnly support at participating vets means you only pay the gap, and every policy includes myPetPass perks.

Cons

  • Routine care isn't automatically included, so preventive treatments like vaccinations cost extra.
  • Chronic conditions that existed before your cover started are always excluded and can never regain cover.

How does pet insurance from Australian Unity compare?

Updated regularly
Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Australian Unity Pet Insurance logo
9.1 Excellent
Pet Insurance with Australian Unity Insurance
9.1 Excellent
$7,500, $20,000 or $35,000
No sub-limit
70%, 80% or 90%
Australian Unity Insurance partners with award winning pet insurance provider, Petinsurance.com.au.
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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.

Read the full methodology

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Australian Unity scored in the Finder Awards

The Australian Unity Platinum Cover was highly commended for Best Comprehensive Pet Insurance in the 2026 Finder Awards.

Full list of 2026 winners

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Why choose Australian Unity Pet Insurance?

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

  • All policies offer a reimbursement rate of 70%, 80% or 90%.
  • Annual benefit limits of $20,000 or $35,000, depending on the plan.
  • Wide-ranging cover, including 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.

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.

How much does Australian Unity pet insurance cost?

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

1 of 1 result
Updated regularly
Sample quote Sample quote Sample quote Sample quote
Australian Unity Pet Insurance logo
9.1 Excellent
Pet Insurance with Australian Unity Insurance
Sample quote
Sample quote
Sample quote
Sample quote
Australian Unity Insurance partners with award winning pet insurance provider, Petinsurance.com.au.
View details
Compare product selection
loading
Showing 1 of 1 result

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

How to make a claim

Australian Unity makes the claims process simple with several flexible options designed to suit your needs.

  • Claim on the spot with GapOnly. For the most convenient experience, ask your vet if they offer GapOnly. This allows your claim to be processed in real-time while you are still at the clinic, meaning you only pay the gap—the difference between your vet's invoice and your policy benefit.
  • Submit online via the Pet Portal. You can lodge a claim 24/7 through the Australian Unity Pet Portal. Simply log in, upload a copy of your itemised tax invoice and the relevant consultation notes, and submit. This digital process allows you to track the status of your claim at any time.
  • Request a Vet-assisted eClaim. Many veterinary clinics can submit an electronic claim on your behalf. Once your pet has been treated, ask your vet to send the invoice and clinical records directly to us, reducing the paperwork you need to handle yourself.

FAQs

Sources

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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. See full bio

Ceyda's expertise
Ceyda has written 222 Finder guides across topics including:
  • Insurance
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