ExtrasJar Pet Insurance
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ExtrasJar Pet Insurance Review

ExtrasJar pet cover sets no sub-limits on specific conditions and you'll have 5 excess options to choose from. Plus, you can claim up to $25,000 per year for your furry pal.

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Pros

  • It offers annual benefit limit options of $10,000 $15,000, and $25,000 – impressive as the standard for most insurers on Finder is $15,000
  • Dental illness, behavioural issues and specialised therapies are all included
  • There's a $0 policy excess option. Not all pet insurance providers have this
  • No insurance paperwork – manage your account on your phone.

Cons

  • ExtrasJar is a recent entrant into pet insurance. Some might prefer a more established brand name such as RSPCA or Coles. That being said, ExtrasJar is backed by Knose, a double winner at the Finder Pet Insurance Awards 2023
  • You can't add routine care on to your plan. For typical services, such as vaccinations, you'll need to open a pet extras account with ExtrasJar.

Who is ExtrasJar?

ExtrasJar is a Brisbane-based financial services company launched in August 2022. According to its website, ExtrasJar offers "innovative health & pet extras investment solutions and extensive wallet-friendly pet insurance".

ExtrasJar was founded in 2022 by Reece Frazier and John Connor. Connor, an experienced insurance actuary, has previously spoken with Finder about how ExtrasJar is trying to disrupt the health insurance market.

The way ExtrasJar is set up is different to most insurers. Account management is largely done via ExtrasJar's app. This is part of the company's push to keep operating costs low and pass on more value to consumers.

Customers with a pet extras account have the option to keep money in a registered investment fund, which ExtrasJar manages. The funds can be accessesed at any time to pay for pet-related services – such as vaccinations and grooming – using an ExtrasJar Pet Mastercard. This is in addition to ExtrasJar's regular insurance policy offering.

πŸ₯ What does ExtrasJar pet insurance cover?

Let's take a look at the standard inclusions with ExtrasJar pet insurance.

Ambulance vehicle with pet paw on the front

Accidental injuries

As with any insurer, ExtrasJar covers accidental injuries. It'll pay 80%, 85% or 90% of vet bills if your pet's involved in an injury such as:

  • A motor vehicle incident
  • Fractures
  • Poisoning
  • Wounds
  • Swallowed items

Vet building with pet paw on the front

Illnesses

General illness is also covered by ExtrasJar pet insurance. Your cover can meet 80%, 85% or 90% eligible vet bills for illnesses such as:

  • Cancer treatment
  • Skin conditions
  • Ear and eye conditions
  • Hip dysplasia
  • Cruciate ligament conditions

What else is typically covered?

There's more to ExtrasJar's policy than just the essentials. Some further automatic inclusions with ExtrasJar include:

  • Vet costs for essential authanasia
  • Overseas vet costs – for New Zealand or Norfolk Island trips (of up to 60 days)
  • Emergency pet boarding, should you become unexpectedly hospitalised
  • Dental illness
  • Behavioural problems
  • Specialised therapies.

To find out more on the specifics of what is and isn't covered, read the product disclosure statement (PDS).

Keep a close eye on any restrictions, exclusions and waiting periods (this is how much time needs to pass as a policyholder before a claimable benefit kicks in – ExtrasJar refers to this as an "Exclusion Period" in its policy wording).

What isn't covered by ExtrasJar pet insurance?

Here are some of the general exclusions you'll find with an ExtrasJar pet insurance policy:

  • Pre-existing conditions
  • Any vaccinatable diseases, such as parainfluenza or leptospirosis
  • Intentional harm or neglect
  • Failing to follow a vet's advice
  • Desexing costs
  • Elective (non-urgent) procedures
  • Breeding – including pregnancy, whelping or queening.
  • Irregular, investigative or experimental treatments

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ExtrasJar Pet Insurance frequently asked questions

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