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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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.
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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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I just wanted to get a better understanding of the illness waiting period. Does this mean if my dog gets sick we have to wait 30 days before claiming or is this 30 days from signing up for the cover?
Thank you.
Finder
JeniApril 1, 2018Finder
Hi Rhieannah,
Thank you for getting in touch with Finder.
Waiting periods are the time between when you enroll and when you’re coverage becomes fully active. For example, some insurers have a 5 day waiting period for injuries and a 30 day waiting period for illnesses. All waiting periods start on the date your new pet’s policy becomes effective. Accidents and illnesses that occur or are diagnosed during the waiting period will not be covered. This waiting period helps the insurance company ensure that pet owners are not enrolling their pet because they are injured, sick, or have a pre-existing condition. A pre-existing condition is an injury or illness that your pet already has before you enroll them into a pet insurance policy.
You may refer to insurers offering pet insurance with shorter waiting periods. You can use our comparison table to help you compare brands side-by-side. Press the “Get a Quote” button of your preferred insurer to request a quotation. Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions.
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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I just wanted to get a better understanding of the illness waiting period. Does this mean if my dog gets sick we have to wait 30 days before claiming or is this 30 days from signing up for the cover?
Thank you.
Hi Rhieannah,
Thank you for getting in touch with Finder.
Waiting periods are the time between when you enroll and when you’re coverage becomes fully active. For example, some insurers have a 5 day waiting period for injuries and a 30 day waiting period for illnesses. All waiting periods start on the date your new pet’s policy becomes effective. Accidents and illnesses that occur or are diagnosed during the waiting period will not be covered. This waiting period helps the insurance company ensure that pet owners are not enrolling their pet because they are injured, sick, or have a pre-existing condition. A pre-existing condition is an injury or illness that your pet already has before you enroll them into a pet insurance policy.
You may refer to insurers offering pet insurance with shorter waiting periods. You can use our comparison table to help you compare brands side-by-side. Press the “Get a Quote” button of your preferred insurer to request a quotation. Before applying, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions.
I hope this helps.
Have a great day!
Cheers,
Jeni