Insuranceline Pet Insurance Review

Insuranceline pet insurance used to offer policies with up to $10,000 of cover a year.

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Pet insurance protects your pet if the worst should happen. If you are worried about your pet getting sick or injured, and concerned about the high vet fees that will follow, pet insurance is a great idea. Insuranceline used to offer two policies, one which covered injuries only and one with additional coverage for illnesses.

Important Information

Insuranceline is no longer offering Pet Insurance. However, the information on this page has been kept for the benefit of existing customers.

If you would like to compare pet insurance on Finder, click here.

What policies did InsuranceLine offer?

For insurance that covers veterinary expenses for your dog or cat, the Insuranceline pet health insurance plan was available in two forms.

Accidental injury cover

Available to pets eight weeks of age or older, accidental injury cover provides up to 80% of the vet expenses incurred when your pet suffers an accidental injury.

The injury must be a direct consequence of one of the following:

  • A motor vehicle incident
  • A burn or electrocution
  • An allergic reaction to an insect bite (excluding ticks or fleas)

OR

The injury must result in the following:

  • A bone fracture
  • Snake bite toxicity
  • A traumatic ligament or tendon injury
  • A bite wound or fight wound abscess
  • Lacerations or abrasion of tissue, skin or mucous membrane caused by external violence

Accidental injury and illness cover

This policy provides all the same benefits as accidental injury cover, but it also provides cover for up to 80% of vet expenses incurred when your pet is treated for an illness. Your pet will need to be under nine years of age when the policy commences in order to qualify for illness cover.

What isn’t covered?

Your Insuranceline pet insurance claim will not be paid in the following situations:

    • It is for veterinary expenses that arise due to a pre-existing condition.
    • It is for dental procedures, dental disease or the treatment of fractured teeth.
    • It is for the cost of regular, prescription or dietary pet food, or vitamin or mineral supplements.
    • It is for preventative procedures and treatments such as vaccination, microchipping, and flea and tick control. However, cover is available for some preventative procedures if you select the optional routine care benefit.
    • It is for the grooming and bathing of your pet.
    • It is for training, socialisation, therapy or alternative therapy costs.
    • It is for treatment while your pet is used for commercial or occupational purposes, such as racing or law enforcement.

    • It is for the treatment of any condition that can be attributed to a behaviour problem, for example, a phobia or anxiety disorder.
  • It is for stem cell therapy.
  • It is for medication not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority).
  • You choose to pursue a course of treatment other than that recommended by your vet
  • It is for breeding or obstetrics.
  • It is for the cost of elective treatments or procedures.
  • It is for ambulance fees or non-essential hospitalisation.
  • It is for after-hours treatment or vet house calls (unless your vet believed an emergency consultation was necessary).
  • You fail to take reasonable precautions to protect your pet from any situation that may cause illness or injury.

How to file a claim with Insuranceline

You can submit an InsuranceLine pet insurance claims online or by post. You can access a claim form by downloading one from the InsuranceLine website or phoning the number provided in your policy documents.

You and your vet will need to complete this claim form and submit it to the insurer within 90 days of your pet receiving treatment. You will need to include itemised tax invoices, payment receipts and applicable consultation notes. If this is your first claim, you will also need to include your pet’s full veterinary history from the attending vet and any other vets who have previously treated your pet.

Why choose Insuranceline pet insurance?

InsuranceLine offers several important benefits to Australian pet owners, including the following:

  • Up to $10,000 cover a year. With up to $10,000 cover per year for your pet’s veterinary expenses, an InsuranceLine pet health insurance plan allows you to give your pet the cover he or she needs.
  • Covers up to 80% of eligible vet bills. From consultations and medication to surgery and hospitalisation, InsuranceLine pet insurance provides cover for a wide range of veterinary expenses when your pet is sick or injured.
  • Additional benefits. InsuranceLine pet health insurance plans also provide cover for tick paralysis, emergency boarding costs if you’re hospitalised, pet overseas travel insurance and essential euthanasia costs.
  • Easy to apply. If your pet is aged between eight weeks and nine years, it’s quick and easy to apply online for an InsuranceLine pet health insurance plan. There are no medical tests for your pet and you can take out cover within minutes.
  • Flexible premium payment options. You can choose to pay your premiums fortnightly, monthly or annually, allowing you to tailor a payment schedule to suit your budget.
  • Stress-free claims process. InsuranceLine offers a fast and easy claims process which makes claiming as straightforward and hassle-free as possible.
  • Optional routine care benefit. For an extra premium, you can add cover for routine care treatments such as vaccinations and flea control. This helps to ensure that your pet receives a high level of veterinary care all year round.

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate Maximum Yearly Benefit
Woolworths Comprehensive Cover
$1,500
$24,000
80%
80%
$24,000
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Includes a price beat promise for similar policies and GapOnly cover.
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
$15,000
Get 16% off pet insurance for the first year. Plus, Medibank health members save 10% every subsequent year. Use promo code SAVE16. Ends June 22. T&Cs apply*. Find out more.
Budget Direct Dog Insurance
$1,500
$12,000
80%
80%
$12,000
Apply online and get 15% off your first year’s premium. T&Cs apply.
Knose Dog Cover
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
$25,000
⭐Finder Exclusive: Get 10% off of the first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
$15,145
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$2,500
$15,000
100%
100%
$15,000
Get a 5% discount when you insure more than one pet.
Kogan Pet Luxury Cover
$2,000
$15,000
80% or 65%
80% or 65%
$15,000
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$2,500
$12,000
100%
100%
$12,000
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
$2,300
$15,000
N/A
N/A
$15,000
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$1,500
$25,000
100%
100%
$25,000
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
RSPCA Ultimate Plus Accident and Illness Cover
Up to $20,000 annual limit
$20,000
80%
80%
$20,000
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Guide Dogs Premium Care
$2,000
$20,000
85%
85%
$20,000
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
PetSecure Accident and Illness Cover
$500
$12,000
75% or 85%
75% or 85%
$12,000
Your pet is covered for life.
Real Premium Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Covers an extensive range of illnesses and accidents, including an optional Routine Benefit add-on. Get 10% of premiums back in the first 12 months.
Guardian Platinum Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
No joining fee to pay.
Prime Sovereign Accident & Illness Cover
$1,200
$14,000
85%
85%
$14,000
With guaranteed renewal you can protect your pet for life.
Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Extra benefits such as overseas cover for your pet, plus an optional routine care add-on.
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Frequently asked questions about Insuranceline pet insurance

Which company used to underwrite Insuranceline pet insurance?

Insuranceline pet insurance is underwritten by The Hollard Insurance Company Pty Ltd.

Is there a cooling-off period?

Yes, a 30-day cooling-off period applies to Insuranceline’s pet health insurance plan.

When do I need to pay my premiums?

You can choose to pay premiums on a fortnightly, monthly or annual basis, whichever suits your budget.

Will my pet need to undergo any medical checks before he or she can be covered?

No, your pet will not have to complete any medical tests before you can purchase cover.

Can I get cover for a pet of any age?

No, your dog or cat will need to be between eight weeks and nine years of age when you first apply for cover. If your pet is older than nine years of age, you can only apply for accidental injury cover.

Can I choose any vet to treat my pet?

Yes, you can take your pet to any veterinarian who is licensed to practise in Australia.

Can I purchase cover for a rabbit, guinea pig or horse?

No, pet insurance policies only provide cover for dogs and cats.

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