Guardian Pet Insurance Review

Guardian pet insurance offers more choice than most, but doesn’t have the highest annual benefit limit.

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Guardian Pet Insurance

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With Guardian pet insurance, you're covered for up to 80% of eligible vet bills, get to choose between three value plans and you can choose any registered vet in Australia.

Our Verdict

  1. Guardian pet insurance is underwritten by Hollard Insurance Company — one of the world's leading pet insurers.
  2. It offers three pet insurance plans Bronze (Accident and Illness), Gold (Accident and Illness) or Platinum (Accident and Illness) — unlike many who only offer 2, so could be good if you want more choice.
  3. Guardian's $12,000 annual benefit limit is on the lower side of things — from 17 pet insurance policies available on Finder, 11 were higher.

Review by our insurance writer Gary Hunter

Compare policies for Guardian pet insurance

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Guardian Platinum Accident & Illness Cover
No joining fee to pay.
Guardian Gold Accident & Illness Cover
No joining fee to pay.
Guardian Bronze Accident & Illness Cover
No joining fee to pay.

Compare up to 4 providers

What cover options can I choose from?

Just as no pet is the same, different owners require different levels of coverage. That's why Guardian Pet Insurance offers 3 levels of cover to suit everyone's budget, providing you with a reimbursement on bills of up to 80% along with additional options for routine things such as flea control. Even better there is no excess to pay, and Guardian Pet Insurance accepts eligible claims as a result of procedures undertaken by any licensed vet nationwide.

Levels of coverWhat your pets covered forBill reimbursement caps
Platinum Accident and Illness Cover
  • Treatment for illness
  • Treatment for Accidental Injuries which include:
    • Motor vehicle incidents
    • Burn or electrocution
    • Allergic reaction to an insect bite not caused by a tick or flea
    • Bone fracture
    • Traumatic ligament or tendon injury
    • Snake bite toxicity
    • Lacerations or abrasion of tissue, skin or mucus membrane due to external violence
    • Abscesses caused by bite or fight wounds
  • Optional Routine Care that covers everyday essentials such as flea and worm control as well as vaccinations
80% of the total cost of eligible vet bills up to an annual cap of $12,000
Gold Accident and Illness Cover
  • Treatment for illness
  • Treatment for Accidental Injuries
75% of the total cost of eligible vet bills up to an annual cap of $12,000
Bronze Accident & Illness Cover
  • Treatment for Accidental Injuries and some illnesses
Up to 60% of the total cost of eligible vet bills relating to accidental injury & some illnesses only up to an annual cap of $12,000.

See some prices for Guardian Pet Insurance

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 you're own dogs breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$783.15$924.59
Staffordshire Bull Terrier$968.43$1,224.99
Border Collie$968.43$1,224.99

Are there any additional benefits?

Extra features are offered to each member based on the Benefit Limit shown on your Certificate of Insurance and can include:

  • Emergency Boarding: If you (the sole carer of your pet) is hospitalised for 5 or more consecutive days, Guardian will pay the cost of boarding your pet at a licensed kennel or cattery.
  • Essential Euthanasia: Guardian will pay up to the benefit limit to euthanize your pet if it is deemed a humane and essential course of action by the vet.
  • Paralysis Tick Benefit: Guardian will pay for tick paralysis treatment (sub-limits apply).
  • Pet Overseas Travel Insurance: You can get covered for vet expenses incurred for the treatment of your pet whilst it is overseas with you.

What isn’t my pet covered for?

While Guardian Insurance endeavours to cover your pet for most types of veterinary treatments, there are certain things that aren’t covered under this policy, unless otherwise stated on your Certificate of Insurance. Things that aren’t covered are known as exclusions and include, but aren’t limited to:

  • Pre-existing Conditions which refers to signs or symptoms of any medical condition your pet may exhibit before the Commencement Date of your policy or during any applicable Waiting Periods.
  • Deliberate injury caused by a malicious act or gross negligence by you or someone in your household.
  • Dental problems or oral disease.
  • Any failure on your part, such as not following your vet’s recommendation, to take all reasonable precautions to care for your pet.
  • Grooming or bathing your pet.
  • Elective treatments, such as de-sexing.
  • Problems or conditions caused by behavioural problems.
  • Organ transplant surgery, artificial limbs or prosthetics.

See the product disclosure statement (PDS) for a full list of exclusions.

How do I make a claim?

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

  1. First sign up to manage your policy online through the Guardian Insurance site.
  2. Upload a copy of your itemised invoices and consultation notes from the vet visit you are claiming.
  3. Attach a copy of your pet’s medical history from your current and previous vets, if this is your first time making a claim.
  4. Medical records and adoption paperwork are also needed for pets who were adopted at an older age.
  • Traditional Mail

  1. Print and complete a claim form with all the required details.
  2. Have your vet complete Section 2 and both you and your vet must sign the form before you mail it in.
  3. 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.

Other questions you might have

* - Pre-existing conditions are excluded and sub-limits may apply.

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