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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

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 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
$12,000
$1,200
80%
Yes
Lifetime cover for cats and dogs, up to 80% covered.
Guardian Gold Accident & Illness Cover
$12,000
$1,000
75%
Yes
No joining fee to pay.
Guardian Bronze Accident & Illness Cover
$12,000
$2,000
60%
Yes
No joining fee to pay.
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Congratulations, Guardian!

Guardian received the highly commended award for 'Pet Insurance' in the 2023 Customer Satisfation Awards.

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

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)
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
Cavoodle$808.17$1,099.25
Labrador$1,077.71$1,495.37
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.

Why you can trust Finder's pet insurance experts

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independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.

Guardian pet insurance FAQs

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Gary Ross Hunter's headshot
Editor, Insurance & Innovations

Gary Ross Hunter was 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, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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