Choose from three levels of cover and pay nothing for first two months with Pet Insurance Australia.
Pet Insurance Australia offers pet owners a variety of coverage options: Accidental Injury Cover, Accidental Injury and Illness Cover and Major Medical Pet Insurance Cover. Accidental Injury Cover and Accidental Injury and Illness Cover provide reimbursement cover of up to 80% for your vet bills. As an added bonus, if you sign up today you'll receive 2 months of cover free.
Comparison of Pet Insurance Australia Policies
What policies are offered by Pet Insurance Australia?
Pet Insurance Australia provides protection under three different policies:
Accidental Injury Cover
Reimburses 80% of all qualifying treatment by a veterinarian as it relates to Accidental injury. The company will pay for all fractures, snake bite toxicity; traumatic ligament or tendon injury; lacerations or abrasions of the skin, tissue or mucous membrane that is caused by either:
- Burn or electrocution
- Motor vehicle accidents or
- An allergic reaction to an insect bite (not a tick or flea bite)
Accidental Injury and Illness Cover
Provides coverage for both veterinary treatment of illness and accidental injury. Including the protection provided above for Accidental injury, the company will also provide coverage for illness suffered by your pet once it is 8 weeks old, but younger than 9 years old at the commencement of the policy.
Major Medical Pet Insurance Cover
Provides comprehensive cover for treatment of illnesses, accidental injury and routine care. Routine Care includes protection for deworming, vaccinations and other routine medical procedures.
The following additional benefits are included in the benefit limit and provide coverage up to your specified sub-limit as stated in your Certificate of Insurance:
- Emergency Boarding – covers boarding costs for your pet, if you are hospitalised for five 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 tick paralysis 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.
What Isn’t Covered?
- 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 – Pet Insurance Australia will not cover your pet’s day-to-day care, which include:
- 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.
- Certain treatments and condition – the company will not pay for:
- 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.
Steps to File a Claim with Pet Insurance Australia?
To avoid the hassle, delays and general nuances that are associated with filing an insurance claim, begin your filing process with Pet Insurance Australia by:
- Downloading 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 two 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.
Why Choose Pet Insurance Australia?
When choosing the right insurance coverage for your pet, there are a few important factors that you must take into consideration. Does the pet insurance company offer liability protection; will your pet be covered for accidental injury and illnesses and does the company offer other types of important benefits needed for your pet’s health and wellbeing?
Pet Insurance Australia provides protection for a wide range of accidental injury, illnesses and routine health care. Their comprehensive insurance policies which include protection against fractures, snake bite and other bite wounds and fight wound abscesses and all illnesses. Along with the basic protection offered by almost all pet insurance companies, Pet Insurance Australia provide additional benefits for:
- Paralysis by tick
- Illness and accidents while Overseas
- Humans euthanasia procedures recommended by a vet and
- Emergency boarding in the event that you must be hospitalised for five or more consecutive days.
Some final questions you might have about Pet Insurance Australia
What is the coverage period for my pet?
Each coverage period is for 12 months. When you renew your policy on a yearly basis, your pet will be covered for life.
What is the cover, age for my pet?
Pet Insurance Australia provides coverage for all eligible pets once they are eight weeks old and above. There is no age limit for commencing an Accident or Accident and Illness policy. If you wish to take out Major Medical Pet Insurance Cover, your pet must not exceed 9 years of age.
Does the Accidental Injury Only cover provide coverage for all accidents?
Pet Insurance Australia provides coverage for a wide range of accidental injuries such as:
- Toxicity from snake bites
- Traumatic ligament and skin abrasions
A full list of the accidents that are covered under their policy can be found on page 17 of the Policy description.
How much will I be reimbursed when I take my pet to the vet?
The amount the company will reimburse depends on the amount you selected on your Benefit Percentage. However, 80% is the average amount of reimbursement protection chosen and offered by the company.
What is considered a pre-existing condition?
A pre-existing condition is any medical condition or signs and symptoms of a medical issue that your pet already has or developed during the applicable waiting periods.
What is your applicable waiting period?
There is a 30 day waiting period for all conditions offered under the tick paralysis and Illness sections and a six month waiting period for cruciate ligament conditions.
What is considered a bilateral condition?
An example of a bilateral condition is the display of clinical signs of a cruciate ligament condition in your pet’s left leg during the waiting period or prior to your purchase of an insurance policy (a preexisting condition). If there is any sign of a cruciate ligament condition in the right leg, the expenses charged by your vet will not be covered by the company.
What are some exclusions that apply?
When it comes to pet insurance with Pet Insurance Australia, there are certain general exclusions that apply, as with all other insurance companies. These exclusions include, but are not limited to:
- Coverage for preexisting conditions
- Dental care and
- Elective procedures
For full detail and explanation of the company’s general exclusions, visit page 21 of the PDS