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 offers pet insurance policies that cover your cat or dog for vehicle accidents, burns, allergies and injuries like snake bites and fractures. InsuranceLine has two policies, one which covers injuries only and one with additional cover for illnesses. Both policies have a range of exclusions to be aware of, and give you the ability to make claims online.
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What policies does InsuranceLine offer?
If you’re looking for insurance to cover veterinary expenses for your dog or cat, the InsuranceLine pet health insurance plan is 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)
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.