MiPet Insurance  

MiPet Insurance offers three levels of cover with zero excess, a paralysis tick benefit, and reimbursement for up to 85% of vet bills.

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MiPet Insurance is a family company that launched in 2016, with a mission to provide personal and trustworthy service as well as provide support to animal welfare programs. Unlike some larger corporations which offer pet insurance as an addition to their core focus of insuring people, MiPet focuses exclusively on helping us look after our furry friends.

MiPet’s offering is underwritten by The Hollard Insurance Company and the administration of its claims and policies is managed by PetSure Australia. This means that despite the fact MiPet is a young brand, its cover options are backed by the experience of well-established companies that share a solid reputation.

Important Information

MiPet Insurance 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 cover options does MiPet offer?

The three main types of policies offered by MiPet Insurance are Basic Cover, Vital Cover and Top Cover. You can also tailor individual plans to meet the needs of your pet. All three policies provide cover for illness as well as accident, but only Top Cover includes an optional allowance for routine care.

One major difference between the levels of cover is the maximum percentage of eligible vet bills that MiPet will cover. MiPet will reimburse you up to 70% of your vet bill with Basic Cover, up to 80% with Vital Cover and up to 85% with Top Cover. Another difference is the maximum benefit you can receive in a year. You can receive $5,000 with Basic Cover, $11,000 with Vital Cover and $12,000 with Top Cover. You can also get an optional $100 cover towards routine care with Top Cover.

All three policies cover chronic conditions, unless they were pre-existing before you purchased the cover. They also cover cruciate ligament damage, veterinary consultations and essential euthanasia. Overseas travel insurance for your pet is also included as long as you travel to a country that doesn’t require your pet to be quarantined after returning to Australia. You’re also eligible for reimbursement if you need to book emergency boarding for your pet as a result of being unable to look after your pet when you spend more than four days in hospital.

Finally, your pet is covered for life if you continuously renew your policy every year, but you cannot commence a Vital Cover or Top Cover policy for your furry friend after its ninth birthday.

Basic CoverVital CoverTop Cover
Cover type
  • Accidental Injury & Illness Cover
  • Accidental Injury & Illness Cover
  • Accidental Injury & Illness Cover plus Routine Care benefits
Eligible pets
  • Apply from 8 weeks old.
  • Apply from 8 weeks old until 9th birthday.
  • Apply from 8 weeks old until 9th birthday.
Maximum yearly benefit
  • $5,000
  • $ 11,000
  • $ 12,000
Max % of eligible vet bills reimbursed

(Pre-existing conditions are excluded)

  • 70%
  • 80%
  • 85%
10% multi-pet discount
  • Yes
  • Yes
  • Yes
Covers accident
  • Yes
  • Yes
  • Yes
Covers illness
  • Yes
  • Yes
  • Yes
Paralysis tick benefit (yearly)
  • No
  • $1,000
  • $1,000
Cruciate Ligament Conditions benefit (yearly)
  • $2,600
  • $2,600
  • $2,600
Essential euthanasia $ 500
  • Yes
  • Yes
  • Yes
Consultations and vet visits (yearly)
  • $300
  • $300
  • $300
Emergency boarding fees when you're in hospital for more than four days (yearly)
  • $500
  • $500
  • $500
Waiting periods
  • No waiting period for accidental injuries 30 days for illness conditions
  • 6 months for cruciate ligament (can be waived, see Policy booklet)
  • No waiting period for accidental injuries 30 days for illness conditions
  • 6 months for cruciate ligament (can be waived, see Policy booklet)
  • No waiting period for accidental injuries 30 days for illness conditions
  • 6 months for cruciate ligament (can be waived, see Policy booklet)
Pet overseas travel insurance (as long as it's in a country that doesn't require your pet to be quarantined on return to Australia)
  • $1,000
  • $1,000
  • $1,000
Optional Routine Care benefits toward cost of everyday care like vaccinations and teeth cleaning
  • No
  • No
  • Up to $100 a year
No excess to pay
  • Yes
  • Yes
  • Yes
Guaranteed renewal for life of your pet
  • Yes
  • Yes
  • Yes
Your choice of any licensed vet
  • Yes
  • Yes
  • Yes

What doesn’t MiPet cover?

  • As with any pet insurance policy, there are a number of exclusions. In addition to the exclusions listed below, intervertebral disc disease and patella luxations are not covered under the Basic Cover policy:
  • Ambulance fees and non-essential hospitalisation
  • Behavioural and alternative therapies
  • Canine hepatitis, parvovirus and kennel cough
  • Chlamydia, Feline Leukaemia (FeLV), Feline Immunodeficiency Virus (FIV), Feline Infectious Peritonitis (FIP) and several other cat-specific infections
  • Cosmetic procedures
  • Deliberate injury or gross negligence towards your pet by yourself or by anyone living with you
  • Dental care
  • Elective procedures such as tail docking or declawing
  • General day-to-day care, such as food, dietary advice, grooming and accessories
  • Illnesses caused by parasites, except for paralysis ticks
  • Injury or illness arising from your failure to keep your pet safe, for example, by not properly restraining it in a motor vehicle
  • Organ transplants, artificial limbs and prosthetics (such as total hip replacement)
  • Pre-existing and bilateral conditions
  • Pregnancy

What are the benefits of choosing MiPet Insurance?

  • No excess. MiPet does not charge an excess on any of its three levels of cover.
  • Simple claims process. The MiPet website features a members’ portal to simplify the process of obtaining a quote and making a claim.
  • Quick quote. MiPet estimates you can click through to a quote for your policy in as little as 60 seconds.
  • Your choice of vet. You can choose your own vet with any of the 3 policies.
  • $1000 annual paralysis tick benefit. All 3 policies include an annual benefit to help cover tick paralysis treatment.
  • A portion of your premium supports a good cause. MiPet donates $10 from every policy sold to PAWS Pet Therapy. This organisation trains volunteers to provide pet-assisted therapy for people experiencing various mental and physical difficulties, ranging from developmental disabilities to cancer.

Frequently asked questions about MiPet Insurance

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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