Pet Insurance Australia Review

Pet Insurance Australia offers one of the highest benefit limits, plus you pay nothing for the first two months.

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Pet Insurance Australia

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Pet Insurance Australia (PIA) offers pet owners three coverage options: Pet Essentials Cover, Comprehensive Cover and Major Medical Pet Insurance Cover. Get 90% of your vet bills covered, and if you sign up today you will receive two months of cover free.

Our Verdict

  • Up to $15,145 benefit limit - one of the highest plans in Australia.
  • Covers up to 90% of your vet bills.
  • Optional $0 excess.
  • Routine Care Cover only available for the Major Medical Cover policy.

Review by our pet insurance publisher Alexandra Koster

Comparison of PIA pet insurance policies and discounts

Pet Insurance Australia DealsPet Insurance Australia Deals

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

Last verified

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
PIA Major Medical Cover
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
PIA Comprehensive Cover
Covers your vet bills for specified accidents and illnesses, including cruciate ligament and cancer treatment. Get 2 months free when you sign up.
PIA Essentials Cover
Highest reimbursement rate out of PIA's policies. Get 2 months free when you sign up.

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What policies are offered by Pet Insurance Australia?

Pet Insurance Australia provides protection under three different policies:

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.
Go to Pet Insurance Australia's website

Additional Benefits

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 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.

See some prices for Pet Insurance Australia

To help give you an idea about costs for Pet Insurance Australia pet insurance, 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.

Dog Breed1yr old5yr old
Maltese Cross$558.31$703.12
Staffordshire Bull Terrier$580.92$745.16
Border Collie$580.92$745.16

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 – PIA 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.

How to file a claim with Pet Insurance Australia

  1. Download a claim form online or request to have one delivered by mail.
  2. Once you have received your form, complete the first section and sign it
  3. Have your vet complete and sign part two of the form.
  4. 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 PIA?

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, PIA provide additional benefits for:

  • Paralysis by tick
  • Illness and accidents while Overseas
  • Humane euthanasia procedures recommended by a vet and
  • Emergency boarding in the event that you must be hospitalised for five or more consecutive days.

Frequently asked questions about PIA

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