PIA review

PIA (Pet Insurance Australia) offers pet owners a variety of coverage options: Pet Essentials Cover, Comprehensive Cover and Major Medical Pet Insurance Cover. Accidental Injury and Illness Cover provide reimbursement cover of up to 90% for your vet bills. As an added bonus, if you sign up today you'll receive two months of cover free.

Read on to learn about your policy options.

Comparison of PIA policies

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Name	Product	Maximum yearly benefit	Paralysis Tick Benefit	Reimbursement rate	Accidental Injury	Illness
PIA Major Medical Cover		$15,145	$1,200	80%			Get 2 months free when you sign up.	Go to site View details	Compare	loading Fetching your data...
PIA Comprehensives Cover		$15,000	$1,000	80%			Get 2 months free when you sign up.	Go to site View details	Compare	loading Fetching your data...
PIA Essentials Cover		$6,000	$1,000	90%			Get 2 months free when you sign up.	Go to site View details	Compare	loading Fetching your data...

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What policies are offered by Pet Insurance Australia?

Pet Insurance Australia provides protection under three different policies:

• Pet Essentials Cover
• Comprehensive Cover
• Major Medical Pet Insurance Cover

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.

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.

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 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 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.

Some final questions you might have

• 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?

  PIA provides coverage for all eligible pets once they are eight weeks old and above. There is 11 years old age limit for Essentials policy. If you wish to take out Major Medical or Comprehensive cover, your pet must not exceed nine years of age.

• 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, for the Comprehensive and Major Medical plan, 80% of reimbursement protection chosen and offered by the company. Essentials Cover has a 90% reimbursement rate.

• 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?

  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

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