Pet Insurance Australia review
- Maximum yearly benefit
- $30,145
- Reimbursement rate
- 80%
- Routine Care
- Yes
Summary
Pet Insurance Australia is one of the only insurers to automatically include routine care and cover your pet for up to $31,145 per year – the highest limit available.
Pros
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It can cover up to $31,145 of eligible vet bills per year. This makes it the highest limit available out of 67 policies.
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Out of 15 policies we looked at, PIA's Major Medical policy is the only one to automatically include routine care with an annual limit towards teeth cleaning and vaccinations.
Cons
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The Essential plan's $6,000 annual benefit limit may not be enough for some.
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Its routine care annual limit might not be enough to cover everything your pet needs.
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If your pet has a chronic pre-existing condition, you won't be covered by Pet Insurance Australia. This is common across all pet insurers.
Details
Key Details
| Product Name | PIA Major Medical Cover |
| Accidental injury | |
| Routine Care | Yes |
| Lifetime Cover | |
| Reimbursement rate | 80% |
| Maximum yearly benefit | $30,145 |
| Cooling Off Period | 21 days |
| Cruciate Ligament Benefit | $5,000 |
| Excess options | Choice of $0, $100, $200 and $500 |
| Emergency Boarding | $1,200 |
| Consultations and Vet Visits | $500 |
Eligibility
| Minimum Age (Weeks) | 9 |
| Maximum Entry Age (Years) | 8 |
Discounts
| Multi-Pet Discount | 5% |
If you want comprehensive cover, PIA's Major Medical policy could be ideal for you, and gives you a lot for your money.
"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. "
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseWhat do Australians think of Pet Insurance Australia pet insurance brand?
- 4.16/5 overall for Customer Satisfaction - higher than the average of 4.15
- 4.34/5 for Trust - lower than the average of 4.39
- 4.19/5 for Customer Service - higher than the average of 4.16
Based on Pet Insurance Australia pet insurance brand scores in Finder's 2024 & 2025 Customer Satisfaction Awards.
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseFinder 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.
Why compare pet insurance with Finder?
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You pay the same price as buying directly from the pet insurer.
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We're not owned by an insurer (unlike other comparison sites).
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We don't ask for your phone or email.
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We've reviewed over 35 policies on the market, so you don't have to.
How much does a Pet Insurance Australia policy cost?
According to Finder research, the average cost of a pet insurance policy across the market is around $1,245. Our research shows Pet Insurance Australia came in a bit under the average cost at $1,189 per year. You can see how it stacks up to other providers below.
Keep in mind, the best policy for your pet may not always be the cheapest pet insurance policy. It's important to compare features thoroughly to understand what you're covered for.
| Provider | Annual cost | Apply |
|---|---|---|
 | $1,189.03 | Get quote |
 | $701.20 | Get quote |
 | $732.96 | Get quote |
 | $772.59 | Get quote |
 | $915.40 | Get quote |
 | $915.40 | Get quote |
 | $1,009.22 | Get quote |
 | $1,009.22 | Get quote |
 | $1,172.43 | More info |
 | $1,189.03 | More info |
Frequently asked questions
Your reviews
Gary Ross Finder
Journalist
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