Guardian offers a wide range of pet insurance cover types.
Its annual benefit limit is lower than typical.
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 pet insurance policies available on Finder, were higher.
Its 80% reimbursement rate is standard among most insurers but Coles, Knose and Petsy offer more.
Compare policies for Guardian pet insurance
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Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
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 flea
Burns and electrocutions
Fractures
Snake bite toxicity
Abscesses caused by bite or fight wounds
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 foreign object
Gastrointestinal problems
Intervertebral disc disease
Hereditary and genetic conditions (excluding pre-existing conditions)
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.
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
Guardian pet insurance reviews
We looked at Guardian customer reviews on Finder. Here's a summary of how it did.
It has a relatively high rating of 3.7 which suggests people are happy with its customer service.
It hasn't received any 5 star reviews, at the time of writing.
Guardian pet insurance FAQs
Yes, 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).
No, you will not need to pay an excess with Guardian pet insurance and there are no joining fees either.
Yes, your pet needs to be 8 weeks or older to be eligible. They also have to be younger than 9 years old for Platinum and Gold Accident and Illness Cover options and younger than 16 years old for Bronze Accident and Illness Cover.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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