Guardian Pet Insurance

Guardian Pet Insurance Review

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

3.7 ★★★★★ (7 reviews) Write a review

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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 9 pet insurance policies available on Finder, 8 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 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 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$783.15$924.59
Staffordshire Bull Terrier$968.43$1,224.99
Border Collie$968.43$1,224.99

👥 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.

Guardian pet insurance FAQs

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