Guardian Pet Insurance

Guardian Pet Insurance helps cover the cost of your pet's care with up to 80% of eligible vet bills covered and no excess.

A pet is both a friend, companion and member of the family, and therefore deserves the best level of care available if they fall ill or are injured. However as all pet owners know, veterinary bills can be astronomical and as sickness and accidents can't be foreseen, can end up playing havoc with your finances. Guardian Pet Insurance gives you economic peace of mind while ensuring that your pet has the adequate care and treatment to get them on the road to recovery.  

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 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. 

What cover options can I choose from?

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
Silver Accident Cover
  • Treatment for Accidental Injuries
80% of the total cost of eligible vet bills relating to Accidental Injury only up to an annual cap of $8,000

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
  • Essential Euthanasia
  • Paralysis Tick Benefit
  • Pet Overseas Travel Insurance 

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 want answered

Q. Does Guardian Pet Insurance cover all types of pets?

A. Currently this policy only provides coverage for cats and dogs.

Q. Are there any waiting periods I need to be aware of?

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). 

Q. Is there any excess or joining fees?

A. No, with Guardian Pet Insurance, you will not need to pay an excess and there are no joining fees.

Q. Are there any age requirements to be eligible for cover?

  • 8 weeks or older for all Guardian Pet Insurance options.
  • 9 years or younger for any of the Accident and Illness Cover options, with no maximum age limit for Accident Cover only.

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

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