Guardian Pet Insurance
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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 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.


  • Guardian's $12,000 annual benefit limit is on the lower side of things — from 15 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

Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Guardian Platinum Accident & Illness Cover
Lifetime cover for cats and dogs, up to 80% covered.
Guardian Gold Accident & Illness Cover
No joining fee to pay.
Guardian Bronze Accident & Illness Cover
No joining fee to pay.

Pet insurance customer satisfaction finalist

Guardian pet insurance ranked in second place, 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.

Full list of 2023 winners

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

🏥 What does Guardian pet insurance cover?

Ambulance vehicle with pet paw on the front

Accidental injuries

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
Vet building with pet paw on the front


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)
Pet toothbrush and scissors

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.

Dog Breed1yr old5yr old
Maltese Cross$808.17$1,099.25
Staffordshire Bull Terrier$1,000.60$1,372.37
Border Collie$1,000.60$1,372.37

👥 Guardian pet insurance reviews

​​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.

Best Health Insurance - Comprehensive extras

The Comprehensive Extras category winner for 2024 is Latrobe's Core Complete Extras Package. It costs approximately $9 per week and covers all standard extras treatments, as well as nutrition, psychology, audiology, speech therapy, health appliances including blood glucose monitors and hearing aids. It also comes with unlimited emergency ambulance transportation.

Full list of 2024 winners

Why you can trust Finder's pet insurance experts


We're free

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.
expert advice

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

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