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Pros
Its Essentials Cover reimbursement rate of 90% goes further than the majority of other providers on Finder – you'll find most cover 80% of your vet bills.
Out of 9 policies we looked at, it's the only policy to automatically cover routine care which includes care like dental treatment and vaccinations.
You can choose how much of your vet bills you want covered – 80% or 90%. The lower the percentage, the cheaper your premiums. Out of 8 policies, only 3 others let you do this.
Cons
The Essential plan's $6,000 annual benefit limit is fairly generous, though not quite market-leading.
It's not great if you're happy to pay for treatments like dental treatment yourself – it automatically includes routine care.
Like many policies, if your pet has a chronic pre-existing condition, you won't be covered by PIA.
Comparison of PIA pet insurance policies and discounts
Deal
Get free pet insurance for the first 2 months
Get 2 months free pet insurance when you sign up for cover with Pet Insurance Australia
Pet Insurance Australia provides protection under 3 different policies:
Policy
Coverage
Pet Essentials Cover
90% of qualifying accident injuries and illnesses reimbursed.
Covered injuries and illnesses: snake bites, burns, electrocution, motor vehicle accidents, allergic reaction to insect bite, snake bite, lacerations and abrasions of the skin/tissue.
Comprehensive Cover
Covers up to 80% of your vet bills for specified accidents and illnesses.
Also covers cruciate ligament and cancer treatment, unlike the Pet Essentials Cover.
Major Medical Pet Insurance Cover
Covers up to 80% of your vet bills for specified accidents and illnesses.
Comes with Routine Care Cover, unlike the other policies.
Also covers cruciate ligament and cancer treatment, unlike the Pet Essentials Cover.
Accidental injury can pay you 80% of vet bills if your pet is injured as a result of an incident such as:
A vehicle incident
A burn
A bone fracture
A snake bite
Illnesses
If your cat or dog gets sick, PIA can pay 90% of eligible vet bills for illnesses that require:
Radiology
Prescription medicines
Surgery
Lab and diagnostic tests
Specialist care
Routine care
Routine care is included with PIA's Major Medical cover plan and can be added on to other policies. It can help cover the costs of the following:
Desexing
Microchipping
Heartworm control/prevention
Flee/tick/worm control
Vaccinations
Health checks
Teeth cleaning
Training
Pet Insurance Australia costs
To help give you an idea about Pet Insurance Australia costs, we gathered quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
In addition to user reviews on Finder below, we looked at Pet Insurance Australia customer reviews on productreview.com which go back 9 years from August 2021. Here's a summary of how it did:
Its reviews are overwhelmingly positive. 1,027 of the 1,548 reviews are 5 stars.
Most claims are accepted in less than 1 week.
It has over 200 1-star reviews, though this is still less than other competitors such as RSPCA and Bow Wow.
If you're a previous or existing customer of Pet Insurance Australia, we'd love to hear from you! Leave a quick review here.
What isn't covered by PIA?
Pre-existing conditions – includes any medical condition your pet suffers from prior to the commencement of your insurance policy
Dental care – such as dental procedures, gingivitis, teeth cleaning or dental disease
Day-to-day care – This includes:
Grooming
Preventative procedures and treatments
Diet pet food or regular prescriptions
Treatment while your pet is used for occupational or commercial purposes such as breeding, racing or organised fighting
Any medication not approved or listed by the Australian Pesticides and Veterinary Medication Authority (APVMA)
Cell-replacement therapy
Breeding or obstetrics or any treatment for the same
Elective procedures and services such as cosmetic procedures, routine examinations or experimental treatments or therapy
How to file a claim with Pet Insurance Australia
Download a claim form online or request to have one delivered by mail.
Once you have received your form, complete the first section and sign it
Have your vet complete and sign part 2 of the form.
Once both you and your vet complete your designated sections, mail the form in with all necessary receipts and invoices as it relates to your claim.
If you have never completed a claim before, include a veterinary history from your current and all previous vets who have attended to your pet.
Frequently asked questions about PIA
PIA provides coverage for all eligible pets once they are 8 weeks old and above. There is an 11 years old age limit for the Pet Essentials policy. If you wish to take out Major Medical or Comprehensive cover, your pet mustn't be older than 8 years of age.
PIA policies come with the following additional benefits:
Emergency Boarding – covers boarding costs for your pet, if you are hospitalised for 5 or more consecutive days
Essential Euthanasia – provides coverage for euthanasia once the procedure is deemed a humane and essential course of treatment by a vet
Paralysis Tick Benefit – pays for paralysis tick treatment offered by a vet
Pet Overseas Travel Insurance – covers vet expenses incurred while your pet is overseas in various destinations where your pet will not require quarantine when it returns to Australia
There is a 0-day waiting period for injuries, a 30-day waiting period for all illnesses and a 6-month waiting period for cruciate ligament conditions.
Gary Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary is passionate about helping Aussies understand their insurance policies so that they can get better value for their money.
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