Pet Insurance Australia review

How does Pet Insurance Australia stack up? Here's the verdict.

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By

Gary Ross Hunter

Updated

Fact checked
Pet Insurance Australia

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Key takeaways

  • Pet Insurance Australia has the highest coverage payout of any insurer.
  • It's a solid contender for comprehensive cover for your pet.

Pros

  • It can cover up to $35,000 of eligible vet bills per year. That's the highest limit available in the market.
  • Out of 15 policies we looked at, PIA is the only insurer to include routine care with an annual limit towards teeth cleaning and vaccinations.

Cons

  • Its optional routine care add-on might not be enough to cover everything your pet needs.

Compare pet insurance from Pet Insurance Australia

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Finder Score
9 Excellent
$35,000
Up to annual benefit limit
70%, 80% or 90%
Discount: Get 2 months free when you sign up using the code PIA202. T&Cs apply.
Covers your vet bills for specified accidents and illnesses, including cruciate ligament and cancer treatment.
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Finder Score for pet insurance

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.

Read the full methodology

Aaron Maiorana's headshot

"I had a positive experience when using Pet Insurance Australia pet insurance on my dog Cola who was having stomach issues and needed to stay at the emergency vet. My claim was automatically processed, which made life so much easier. I've previously had vet bills without pet insurance which can really eat into savings. As someone who would do anything for his dog, this policy gives me a lot of peace of mind. "

Aaron Maiorana
Finder crew member
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Get free pet insurance for the first 2 months

Ends 30 June 2026

Get 2 months free. Sign up to Pet Insurance Australia using promo code PIA202 and get two month's premium free. T&Cs apply.

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Up to 15% Multi-Pet Discount

Get an incremental 5% for each additional pet you insure with Pet Insurance Australia. T&Cs apply.

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Why choose Pet Australia Insurance?

PIA allows the policyholder to customise coverage by selecting from available options for the annual benefit limit, reimbursement percentage, and annual excess. Highlights include:

  • LiveVet support. Policyholders receive 24/7 access to veterinary advice via video or chat at no additional cost.
  • myPetPass. This program provides access to discounted pet prescription medications, supplies, and accessories.
  • Booster care (Optional). For an additional cost, users can add up to $2,500 in annual cover for specified dental conditions including gingivitis and abscesses, and specialised therapies including physiotherapy and acupuncture.
  • Routine care (Optional). An optional non-insurance benefit providing up to $200 per year toward preventative treatments such as vaccinations, desexing, and parasite prevention.

PIA pet insurance costs

To help give you an idea about costs for PIA 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 your own dog's breed and age, and your address, so it's always worth comparing policies and getting a few quotes.

1 of 1 result
Updated regularly
Sample quote Sample quote Sample quote Sample quote
Sample quote
$4,290.17
Sample quote
$2,906.98
Sample quote
$3,248.92
Sample quote
$4,206.56
Covers your vet bills for specified accidents and illnesses, including cruciate ligament and cancer treatment.
Get quote View details
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What's not covered?

Review the Product Disclosure Statement for full coverage details. General exclusions for Pet Insurance Australia include:

  • Pre-existing conditions
  • Elective treatments and procedures
  • Food and diets
  • Grooming
  • Pregnancy

How to make a claim

Pet Insurance Australia (PIA) provides several methods for submitting claims. You can choose the method that best fits your situation and the capabilities of your veterinary clinic.

  • On-the-spot (GapOnly). Pay only the difference between your vet's invoice and your eligible insurance benefit at the time of your visit.
  • Electronic submission (eClaim). Your veterinarian can submit a claim on your behalf directly from their clinic software.
  • Online customer portal. You can manage and submit claims yourself through the PIA Pet Portal. In some cases, additional information such as full medical history, pathology results, or adoption paperwork (for pets adopted at an older age) may be requested.

FAQs about Pet Insurance Australia

Sources

Gary Ross Hunter's headshot
Journalist

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. See full bio

Gary Ross's expertise
Gary Ross has written 576 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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