Guide Dogs Pet Insurance Review

Guide Dogs pet insurance is good if you want comprehensive cover that gives back to Guide Dogs Australia.

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Guide Dogs Pet Insurance

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Guide Dogs Pet Insurance offers three levels of cover for dogs, cats and registered guide dogs, with a portion of your premiums benefiting Guide Dogs Australia.

Our Verdict

  1. The 85% reimbursement rate and $20,000 annual limit is higher than 11 out of 17 policies available on Finder — most only cover 80% of your bills.
  2. A portion of your premiums goes towards Guide Dogs Australia.
  3. It's ideal for guide dogs — you get $1 million Third Party Liability, covering you for legal fees if something happens.

Review by our insurance writer Gary Hunter

Want to compare Guide Dogs pet insurance?

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Guide Dogs Premium Care
$20,000
$2,000
85%
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
Guide Dogs Comprehensive Care
$15,000
$2,000
80%
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
Guide Dogs Basic Care
$15,000
$1,500
75%
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
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Compare up to 4 providers

What policies are offered by Guide Dogs?

Basic Care

  • Claim up to $15,000
  • For pets over 9 years
  • Covers accidents and illnesses
  • Get back up to 75% of eligible vet bills
  • Visit any licensed vet in Australia

Basic Care Summary

Coverage

Excess Options

Discount

Optionals

Maximum Yearly Benefit $15,000
Paralysis Tick Benefit $1,500
Illness Yes
Reimbursement Rate 75%
Accidental Injury Yes
Emergency Boarding $500
Hospitalisation Yes
Surgery Yes
Lifetime Cover Yes
Excess options Choice of $0 and $100
Multi-Pet Discount 10%
Other Discount
Alternative Therapy No
Routine Care No

Comprehensive Care

  • Claim up to $15,000
  • For pets older than 8 weeks and younger than 9 years
  • Covers accidents and illnesses
  • Get back up to 80% of eligible vet bills
  • Visit any licensed vet in Australia

Comprehensive Care Summary

Coverage

Excess Options

Discount

Optionals

Maximum Yearly Benefit $15,000
Paralysis Tick Benefit $2,000
Illness Yes
Reimbursement Rate 80%
Accidental Injury Yes
Emergency Boarding $1,000
Hospitalisation Yes
Surgery Yes
Lifetime Cover Yes
Excess options Choice of $0 and $50
Multi-Pet Discount 10%
Other Discount
Alternative Therapy No
Routine Care No

Premium Care

  • Claim up to $20,000
  • For pets older than 8 weeks and younger than 9 years
  • Covers accidents and illnesses
  • Get back up to 85% of eligible vet bills
  • Visit any licensed vet in Australia
  • Option for Routine Care optional extra, which gives you a $50 annual benefit for routine treatments such as desexing, teeth cleaning, vaccinations, and council registration fees (plus more).

Premium Care Summary

Coverage

Excess Options

Discount

Optionals

Maximum Yearly Benefit $20,000
Paralysis Tick Benefit $2,000
Illness Yes
Reimbursement Rate 85%
Accidental Injury Yes
Emergency Boarding $1,200
Hospitalisation Yes
Surgery Yes
Lifetime Cover Yes
Excess options Choice of $0 and $50
Multi-Pet Discount 10%
Other Discount
Alternative Therapy Optional
Routine Care Optional

See some prices for Guide Dogs

To help give you an idea about costs for Guide Dogs pet insurance, we gathered quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like you're own dogs breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$680.96$809.29
Cavoodle$680.96$809.29
Labrador$1,053.70$1,271.82
Staffordshire Bull Terrier$836.74$1,069.49
Border Collie$836.74$1,069.49

How do the policies compare?

What's covered?Premium careComprehensive careBasic care
Yearly claim limit $20,000$15,000$15,000
Illness
  • Yes
  • Yes
  • Yes
Accidental injury
  • Yes
  • Yes
  • Yes
Eligibility8 weeks - younger than 9 years8 weeks - younger than 9 years9 years and over
Benefit percentage 85%80%75%
Excess options$0, $50$0, $50$0, $100
Routine care
  • Optional Extra
  • No
  • No
Cruciate ligament conditions$3,200$3,200$3,200
Third Party Liability (for registered Guide Dogs only)$1 million$1 million$1 million
Consultations and home visits$300$300$300
Emergency boarding when you're in hospital for more than four days$1,200$1,000$500
Tick paralysis$2,000$2,000$1,500
Illness waiting period30 days30 days30 days
Lifetime cover
  • Yes
  • Yes
  • Yes
Visit any vet in Australia
  • Yes
  • Yes
  • Yes
Cover for unvaccinated pets
  • Yes
  • Yes
  • Yes
Multi pet discount10%10%10%
Payment optionsFortnightly, monthly or annuallyFortnightly, monthly or annuallyFortnightly, monthly or annually

What's covered in all plans?

  • Accidental injury
  • Illness
  • After-hours emergency visits
  • Cruciate ligament conditions
  • Consultations (including home visits)
  • Annual tick paralysis benefit
  • Lab and diagnostic test
  • Hospitalisation
  • Radiology
  • Medicine and drugs
  • Overseas pet travel
  • Emergency boarding
  • Essential euthanasia
  • Third party liability (for registered Guide Dogs only)

What isn’t covered?

While most common injuries and illnesses are covered, there are a number of exclusions you should be aware of.

  • 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.

How to file a claim with Guide Dogs?

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.

Some final questions you might have


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12 Responses

    Default Gravatar
    tigerJuly 8, 2019

    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

      Avatarfinder Customer Care
      JeniJuly 9, 2019Staff

      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

    Default Gravatar
    ZoeJune 15, 2019

    Does your insurance cover snake bite treatment? Thanks

      Avatarfinder Customer Care
      JeniJune 16, 2019Staff

      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

    Default Gravatar
    kelliJune 5, 2019

    Is there awaiting time on elbow or shoulder surgery or cruciate ligaments?

      Avatarfinder Customer Care
      JhezJune 6, 2019Staff

      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

    Default Gravatar
    NoelineMay 28, 2019

    Is routine neutering & spaying covered with any of the companies

      Default Gravatar
      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

    Default Gravatar
    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?

      Default Gravatar
      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.

      Cheers,
      Ash

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