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Pros
Guardian pet insurance is underwritten by The Hollard Insurance Company Pty Ltd — one of the world's leading pet insurers.
It has lots of options — unlike many pet insurers who only offer 2, so could be good if you want more choice.
You can claim up to $2,000 for paralysis tick treatment – that's higher than many other insurers.
Cons
Guardian's $12,000 annual benefit limit is on the lower side of things — from 16 pet insurance policies available on Finder, 9 were higher.
Its 80% reimbursement rate is standard among most insurers but Coles, Knose and Petsy offer more.
Compare policies for Guardian pet insurance
Well done, Guardian
Guardian pet insurance ranked in second place for Customer Satisfaction in 2023, gaining an overall score of 4.3/5. 78% of people surveyed said they would recommend Guardian. It scored very highly in particular for its value for money.
All Guardian pet insurance policies cover accidental injuries and don't have a waiting period. They can pay for up to 80% of vet bills including:
Motor vehicle incidents
Allergic reaction to an insect bite not caused by a tick or flee
Burns and electrocutions
Fractures
Snake bite toxicity
Abscesses caused by bite or fight wounds
Illnesses
All Guardian policies cover illnesses which is unlike many other insurers – lots have an accident-only option. You'll usually have to serve a 30-day waiting period for illnesses. They can cover vet bills related to:
Cancer
Skin conditions
Ear and eye conditions
Ingestion of a forgein object
Gastrointestinal problems
Intervertebral disc disease
Hereditary and genetic conditions (excluding pre-existing conditions)
Routine Care
You can add a Routine Care benefit to your Guardian pet insurance policy. There's no waiting period for routine cover. It can help pay for preventative treatments such as:
Desexing
Microchipping
Health checks
Vaccinations or health checks
Guardian pet insurance costs
To help give you an idea about costs for Guardian 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 your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
We looked at Guardian customer reviews on Finder. Here's a summary of how it did.
It have a relatively high rating of 3.7 which suggests people are happy with its customer services.
It hasn't received any 5 star reviews, at the time of writing.
If you're a previous or existing customer of Guardian pet insurance, we'd love to hear from you! Leave a quick review here.
Well done, Guardian
Guardian pet insurance ranked in second place for Customer Satisfaction in 2023, gaining an overall score of 4.3/5. 78% of people surveyed said they would recommend Guardian. It scored very highly in particular for its value for money.
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Guardian pet insurance FAQs
The stress and anguish of having your pet fall ill or be injured is bad enough without having to deal with bureaucratic red tape. That's why Guardian Pet Insurance has made the process of submitting a claim as simple and convenient as possible to ensure you receive your reimbursements quickly.
Online
First sign up to manage your policy online through the Guardian Insurance site.
Upload a copy of your itemised invoices and consultation notes from the vet visit you are claiming.
Attach a copy of your pet's medical history from your current and previous vets, if this is your first time making a claim.
Medical records and adoption paperwork are also needed for pets who were adopted at an older age.
Traditional Mail
Print and complete a claim form with all the required details.
Have your vet complete Section 2 and both you and your vet must sign the form before you mail it in.
Ensure that all original itemised invoices, consultation notes and payment receipts are attached, before finally mailing it to Guardian Pet Insurance, Locked Bag 9021, Castle Hill NSW 1765.
Yes, there are two specific waiting periods that you need to be aware of:
30 day waiting period for conditions relating to some illnesses and tick paralysis.
6 month waiting period for cruciate ligament conditions (although it may be waived on application).
No, you will not need to pay an excess with Guardian pet insurance and there are no joining fees either.
Yes, your pet needs to be 8 weeks or older to be eligible. They also have to be younger than 9 years old for Platinum and Gold Accident and Illness Cover options and younger than 16 years old for Bronze Accident and Illness Cover.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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