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Pet Insurance Australia review

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PIA Major Medical Cover
Maximum yearly benefit
Reimbursement rate
Routine Care


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.


  • It can cover up to $31,145 of eligible vet bills per year. This makes it the highest limit available out of 67 policies.
  • 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.
  • It was a highly commended brand in the Finder Awards for features.


  • The Essential plan's $6,000 annual benefit limit may not be enough for some.
  • Its routine care annual limit might not be enough to cover everything your pet needs.
  • 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.

In this guide

  • Review
  • Details
    • Key Details
    • Eligibility
    • Discounts
  • Frequently asked questions
  • Your reviews
  • Ask a question


Key Details

Product Name PIA Major Medical Cover
Accidental Injury
Routine Care Yes
Lifetime Cover
Reimbursement rate
Annual Benefit $45 for flea/tick/worm control, $30 for vaccinations or health check, $10 for FeLv/Fiv test or urinalysis, $10 for heartworm test or blood screen. Plus $50 for one other treatment.
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


Minimum Age (Weeks) 8
Maximum Age (Years) 8


Multi-Pet Discount 5%

If you want comprehensive cover, PIA's Major Medical policy could be ideal for you. It scored very highly in our Finder Awards and gives you a lot for your money.


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.

Up to 15% Multi-Pet Discount

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

Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit 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 using the code PIA202. T&Cs apply.
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 using the code PIA202. T&Cs apply.
PIA Essentials Cover
Highest reimbursement rate out of PIA's policies. Get 2 months free when you sign up using the code PIA202. T&Cs apply.

Congratulations, PIA!

Pet Insurance Australia received the highly commended award for 'Pet Insurance - Comprehensive' in the 2024 Product Awards.

Full list of 2024 winners

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

How much does a Pet Insurance Australia policy cost?

As part of the 2024 Finder Pet Insurance Awards, our experts analysed over 100 quotes. On average, Bow Wow Meow was the second cheapest pet insurance of all providers. See how it stacks up below.

Keep in mind, the below prices are based on a fictional pet profile and your own quote will differ. The best pet insurance for you may also depend on more than price so be sure to read the product disclosure statement (PDS).

ProviderAnnual costApply
PIA$1,188Get quote
RSPCA pet insurance$1,239Get quote
Medibank$1,610Get quote
Everyday Insurance$1,397More info
Budget Direct Logo$505Get quote
Bow wow meow pet insurance$774More info
bupa$1,284More info
HCF logo$1,566More info
Potiki pet insurance logo$1,179More info$1,178

Why you can trust Finder's pet insurance experts


We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

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Gary Ross Finder

Editor, Insurance & Innovations

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