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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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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Why choose Guide Dogs pet insurance?
Guide Dogs has a number of features included in its pet insurance policies that could be right for you. These include:
High reimbursement rate. Guide Dogs offers up to 85% reimbursement on eligible vet bills under its Premium Care plan. This is higher than the 80% limit that is standard across many comparable pet insurance policies.
Charitable contribution. A percentage of your policy premium is automatically donated to Guide Dogs Australia. This goes towards funding the training and placement of guide dogs for individuals with sight loss or low vision.
Coverage for senior pets. The provider offers a specific Basic Care policy for dogs and cats aged 9 years and older that includes cover for both illnesses and specified accidental injuries. Many other insurers restrict new policies for senior pets to accident-only cover or refuse coverage altogether.
Taking your pet overseas. Guide Dogs covers eligible veterinary expenses if your pet requires unexpected treatment while travelling with you in specific locations, namely New Zealand and Norfolk Island.
GapOnly claiming. The policy supports the GapOnly payment system at participating veterinary clinics. This allows your claim to be processed on the spot so you only have to pay the out-of-pocket difference, rather than the full upfront bill.
Multi-pet discount. You can receive a 10% discount on your overall premium costs if you insure more than one pet with them.
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.
What isn't covered by a Guide Dogs Pet Insurance policy?
To ensure you know exactly what is and isn't covered, always read the product disclosure statement. The following list reflects some of the general exclusions you will find with a Guide Dogs Pet Insurance policy:
Pre-existing conditions
Dental care
Preventative and routine care
Elective treatments and procedures
Breeding and obstetrics
Behavioural conditions
Alternative therapies
Unapproved medications
Food and accessories
Negligence
Certain services
How to submit a Guide Dogs Pet Insurance claim
For those preferring digital management, claims are handled through the pet portal.
Log in. Access the Pet Portal via the Guide Dogs Insurance website. If you are a first-time claimant, you must register using your policy number and the email address associated with your account to activate your portal access.
Request documentation from your vet. During or after your visit, request and itemised tax invoice or consultation notes from your veterinarian.
Upload to the pet portal. Once logged in, navigate to the 'Claims' section. Upload clear photos or PDF copies of both the invoice and the consultation notes.
Confirm details and conditions. Select the pet you are claiming for and provide brief details about the condition or event. Ensure the date of treatment matches your invoice to avoid processing delays.
Review and submit. Review the uploaded documents to ensure they are legible. Once submitted, you can track the progress of the claim through the 'Claim History' tab in the portal.
Guide Dogs pet insurance FAQs
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.
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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