Cover your dog or cat's medical expenses, including covered alternative treatments, with Guide Dogs Pet Insurance.
Guide Dogs Pet Insurance offers three levels of cover for both dogs and cats, with a portion of your proceeds benefiting Guide Dogs Australia. Although all policies have the same inclusions, they have different maximum benefit amounts. Each policy covers veterinary fees, boarding fees, holiday cancellations due to pet emergencies, third-party liability for dogs, quarantine costs and emergency repatriation, as well as the cost of advertising for lost pets and a reward for their return.
What policies are offered by Guide Dogs?
12 Months Essential
This plan provides a basic level of protection for a range of veterinary treatments and hospitalisation. The maximum annual benefit for veterinary fees is $7,000, and most sub benefits are capped at $1,000. This policy is not eligible for the Covered4Life guarantee.
The Covered4Life Classic gives you the same protection as the 12 Months Essential plan but with higher annual benefits and a lifetime cover guarantee. This means that your pet will be covered for life as long as you keep paying for the insurance. The maximum annual benefit for veterinary fees is $15,000, and you can add optional death benefits if you wish.
This is the complete package with the highest maximum annual benefit of $20,000 for veterinary fees and all optional benefits included. Sub benefits and death benefit with the Ultimate package are capped at $2,000.
Your certificate of insurance will include a list of the excesses for each policy.
What isn’t covered?
While most common injuries and illnesses are covered, there are a number of exclusions you should be aware of.
- Any specified conditions for your pet that are listed on your certificate of insurance.
- Pre-existing conditions, or conditions that developed within the waiting period.
- If animals are used for guarding, racing, or commercial purposes.
- Breeds that are banned by any local council or Australian government body.
- Incidents caused by war, terrorism or riot.
- Pets that are living permanently outside of Australia.
- Preventive or routine treatments, such as annual medical checks, vaccinations, dental checks, tick and flea treatments.
- Elective treatments.
- Injury or illness caused by negligence, neglect or malicious behaviour by you or anyone living with you.
- Pandemic disease.
- If your pet's illness is due to not being vaccinated.
- Anything to do with breeding or pregnancy.
Each sub benefit has its only exclusions, so you should read the policy documents before buying insurance from Guide Dogs Pet Insurance to make sure it is suitable for you.
To make a claim with Guide Dogs Pet Insurance, you can download the form from their website or call and request a claim form. You will need your vet to sign the form, and you must attach copies of your invoices to your claim form before returning it via post, fax or email.
If your vet agrees, you may elect to pay by VET PAY. In this instance, you will not have to pay the vet. Guide Dogs Pet Insurance will contact your vet and pay them directly.
Why choose Guide Dogs Pet Insurance
Here are a few reasons to consider Guide Dogs Pet Insurance:
- Donation to Guide Dogs Australia. A portion of your premium goes towards training and placing guide dogs with blind and vision-impaired Australians.
- Cover for alternative treatments. Treatments such as acupuncture, homeopathy, chiropractic, hydrotherapy and physiotherapy are covered if they are part of the treatment for an injury or illness.
- Short waiting period. The waiting period for all policies is 21 days.
- Third-party liability insurance. Protects you against liability claims for up to $1 million coverage.
- Hereditary and genetic conditions covered. Hereditary and genetic conditions are generally covered as long as the condition was not present before insurance was taken out or developed during the waiting period.
- Diagnostics covered. Regardless of whether the vet finds a problem, your diagnostic consultations are covered.
- Lifetime cover. Your pet will be covered for life as long as you continue to renew your policy each year without any interruptions.
- Multi-pet discount. You can get a 10% discount for insuring three or more pets.
Can I claim when travelling overseas?
Guide Dogs Pet Insurance policies cover you in countries that do not require your pet to be quarantined when returning to Australia. Currently, this is true only for New Zealand.
How old must my pet be to be insured?
Pets must be at least eight weeks old before they can be insured.
Do the policies cover routine treatment like vaccinations?
No. The insurance policies do not cover regular health check-ups or preventive treatments. The policies are for unforeseen accidents, injuries or illnesses only.
Can I change the type of cover or maximum annual benefit once I have a policy?
Yes. You can update your policy at any time, but new waiting periods may apply for previously uninsured conditions.
What happens if my pet dies?
The Covered4Life Ultimate plan comes with a $2,000 death benefit if your pet dies or is euthanised. You may add optional death cover of up to $1,000 to your Covered4Life Classic or 12 Months Essential plan. The death benefit is only valid while your pet is less than eight years old.