Guide Dogs Pet Insurance offers comprehensive policies only.
A percentage of your premium is donated to Guide Dogs Australia.
Pros
The 85% reimbursement rate and $20,000 annual limit are higher than almost all policies available on Finder — most only cover 80% of your bills.
A portion of your premiums goes towards Guide Dogs Australia.
It's ideal for guide dogs — you get $1,000,000 Third Party Liability, covering you for legal fees if something happens.
Cons
It's not good if you're only looking for an accident-only option since all policies cover injuries and illnesses.
Routine care is only an option with Premium care but this is generally the case with other insurers as well.
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What does Guide Dogs pet insurance cover?
Accidental injuries
All of Guide Dogs' policies cover specified accidental injuries which can help pay the vet bill for the following and more:
Motor vehicle incidents
Bone fractures
Burns or electrocution
Snake bite toxicity
Fight wound abscesses
Illnesses
All Guide Dogs policies cover illnesses. Like most insurers, you'll have to serve a 30 day waiting period before you're covered for illnesses and six months for cruciate ligament injuries. It can cover the following:
Cancer treatment
Skin conditions
Ear and eye conditions
Gastrointestinal problems
Ingestion of a foreign object
Intervertebral disc disease (IVDD)
Cruciate ligament conditions
Hereditary and congenital conditions (but not pre-existing conditions)
Routine Care
You can get routine care on to a Premium Care policy. It'll cost you a little extra but it covers you for an extensive list of preventative treatments – many more are listed on its PDS compared to other insurers. Some of these include:
Heartworm test or blood screen
Desexing and microchipping
Heartworm preventative medication
Teeth cleaning
Dental illness treatment
Guide Dogs pet insurance costs
To help give you an idea about costs for Guide Dogs 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 breed, age and your address, so it's always worth comparing policies and getting a few quotes.
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Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Premium Care & Comprehensive Care
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
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.
Guide Dogs pet insurance reviews
We looked at Guide Dogs customer reviews on Finder and productreview.com. Here's a summary of how it did.
Customers seem to be happy overall with Guide Dogs, both for its customer service and its value for money.
Out of its 300+ reviews on productreview, only 67 people gave 1 star reviews.
Guide Dogs pet insurance FAQs
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.
While most common injuries and illnesses are covered, there are a number of exclusions you won't be covered for, similar to most insurers.
Pre-existing conditions your pet showed before you took out the insurance policy or were identified during the waiting period
Dental illness
Dental procedures
Behavioural problems
Elective procedures
Food and diets
Grooming
Pregnancy
Breeding related conditions
Pet accessories
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.
Yes, Guide Dogs Pet insurance is available to all cats and dogs.
Pets must be at least 8 weeks old before they can be insured.
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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We have just adopted to short hair cats, one male one female and both have had all the right things done to them. Female is 5 months while the male is 8 months. We need to have them both insured, what is your best deal for them both and a veteran?
Regards,
Rob
Finder
JeniJuly 9, 2019Finder
Hi Rob,
Thank you for getting in touch with Finder.
If you consider to take out pet insurance with Guide Dogs Pet Insurance, please click on the green Get Deal or Go to site button on this page to be redirected to their official page to learn more on their offered products. You may also speak to one of their representatives on getting your pets insured.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
ZoeJune 15, 2019
Does your insurance cover snake bite treatment? Thanks
Finder
JeniJune 16, 2019Finder
Hi Zoe,
Thank you for getting in touch with Finder.
Yes, it is cover under Accidental Injury. Please note that it is important to read the policy documents before buying insurance from Guide Dogs Pet Insurance to make sure it is suitable for you.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
KelliJune 5, 2019
Is there awaiting time on elbow or shoulder surgery or cruciate ligaments?
Finder
JhezJune 6, 2019Finder
Hello Kelli,
Thank you for your comment.
Yes, there is a 6 months waiting period for the Cruciate ligament cover. You can compare cruciate ligament cover from different pet insurance brands. You may compare the annual limit and please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details. When you are ready, press the ‘Go to site’ button to apply for a cover.
Regards,
Jhezelyn
NoelineMay 28, 2019
Is routine neutering & spaying covered with any of the companies
NikkiMay 29, 2019
Hi Noeline,
Thanks for your inquiry!
Yes, there are companies that cover desexing your pet. You can also get a discount on this. The National Desexing Network (NDN) is a charity that aims to end pet overpopulation by making it more affordable for pet owners in financial need to have their animals desexed.
The NDN keeps a list of veterinarians on its website so you can find the nearest vet clinic that offers a discount on desexing every month of July. The registered veterinarians who participate in the NDN program don’t get any extra funding. They choose to reduce their fees out of their own concern for animal welfare.
Hope this helps!
Best,
Nikki
NatalieJanuary 16, 2019
I already have comprehensive Dog Insurance, but would like to change to a different company. Will my dog have to go through “waiting periods” or have to wait a certain amount of time if we need to claim? How do pre-existing problems rate when you change companies?
AshJanuary 22, 2019
Hi Natalie,
Thank you for contacting finder.
Indeed, once you change the Insurer for your dog’s policy there will be at least 30 days waiting period for illness cover. The waiting period will depend on the policy that you will, you may reach out directly to Guide Dogs for the specific waiting time frame.
For Guide Dogs Pet Insurance, they do not cover pre-existing conditions that your pet showed before you take out the policy or has shown during the waiting period.
I hope this helps.
Please do not hesitate to reach out to us if you have additional questions.
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Pet Insurance Australia keeps finding coverage simple, with one comprehensive pet insurance policy. Apply securely online and pay nothing for the first 2 months.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
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We have just adopted to short hair cats, one male one female and both have had all the right things done to them. Female is 5 months while the male is 8 months. We need to have them both insured, what is your best deal for them both and a veteran?
Regards,
Rob
Hi Rob,
Thank you for getting in touch with Finder.
If you consider to take out pet insurance with Guide Dogs Pet Insurance, please click on the green Get Deal or Go to site button on this page to be redirected to their official page to learn more on their offered products. You may also speak to one of their representatives on getting your pets insured.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Does your insurance cover snake bite treatment? Thanks
Hi Zoe,
Thank you for getting in touch with Finder.
Yes, it is cover under Accidental Injury. Please note that it is important to read the policy documents before buying insurance from Guide Dogs Pet Insurance to make sure it is suitable for you.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Is there awaiting time on elbow or shoulder surgery or cruciate ligaments?
Hello Kelli,
Thank you for your comment.
Yes, there is a 6 months waiting period for the Cruciate ligament cover. You can compare cruciate ligament cover from different pet insurance brands. You may compare the annual limit and please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details. When you are ready, press the ‘Go to site’ button to apply for a cover.
Regards,
Jhezelyn
Is routine neutering & spaying covered with any of the companies
Hi Noeline,
Thanks for your inquiry!
Yes, there are companies that cover desexing your pet. You can also get a discount on this. The National Desexing Network (NDN) is a charity that aims to end pet overpopulation by making it more affordable for pet owners in financial need to have their animals desexed.
The NDN keeps a list of veterinarians on its website so you can find the nearest vet clinic that offers a discount on desexing every month of July. The registered veterinarians who participate in the NDN program don’t get any extra funding. They choose to reduce their fees out of their own concern for animal welfare.
Hope this helps!
Best,
Nikki
I already have comprehensive Dog Insurance, but would like to change to a different company. Will my dog have to go through “waiting periods” or have to wait a certain amount of time if we need to claim? How do pre-existing problems rate when you change companies?
Hi Natalie,
Thank you for contacting finder.
Indeed, once you change the Insurer for your dog’s policy there will be at least 30 days waiting period for illness cover. The waiting period will depend on the policy that you will, you may reach out directly to Guide Dogs for the specific waiting time frame.
For Guide Dogs Pet Insurance, they do not cover pre-existing conditions that your pet showed before you take out the policy or has shown during the waiting period.
I hope this helps.
Please do not hesitate to reach out to us if you have additional questions.
Cheers,
Ash