Petbarn Pet Insurance

Petbarn has one of the highest cover percentages, plus a free Rewards program redeemable at Petbarn stores.

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With three cover options, multi-pet discounts and free rewards, Petbarn pet insurance might be the ideal option for you and your furry friend. See what's included below.

Our Verdict

  • Up to 100% of eligible vet bills covered. This is higher than most other providers on the market, who generally offer 80-85%.
  • Friends for Life points rewards program - Earn points on every dollar spent on your premium, redeemable at Petbarn stores or Greencross vets clinics.
  • Only the Total Cover policy includes coverage for dental conditions, anxiety conditions and alternative therapies.

Review by our pet insurance expert Alexandra Koster

Petbarn pet insurance is not currently available via Finder. But don't fret! You can head to their website at www.petbarn.com.au for more information or compare a bunch of other pet insurance companies with Finder.
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What cover options does Petbarn offer?

Petbarn offers three policies: Core Cover, Core Plus Cover and Total Cover. Here's a summary of what they include:

  • Core Cover. This reimburses you for 90% of eligible vet bills (65% if your pet is over 8 years old) and covers you for accidents and illnesses, paralysis tick treatment and emergency boarding. There's a $500 per condition limit and no overall annual policy limit. There's no excess.
  • Core Plus Cover. This reimburses you for up to 90% of eligible vet bills (65% for pets over 8 years old) and covers everything you get with Core, plus cover for cruciate ligament conditions. There's no excess.
  • Total Cover. This covers up to 100% of eligible vet bills (65% for pets over 8 years old). It includes cover for cruciate ligament conditions, accidental injuries and illnesses and other treatments like behavioural therapy, dental illness and prescription diets. There's no excess.

What’s covered?

Insurance can help fund veterinary bills if your pet is being treated for a condition covered under your policy.

Petbarn cover is divided into two types of treatments.

Treatments for injuries caused by accidents

This specifically refers to:

  • Bone fractures
  • Snake bite toxicity
  • Traumatic ligament or tendon injuries
  • Bite wounds or fight wound abscesses
  • Lacerations or abrasions of tissue, skin or mucous membrane due to external violence

As well as injuries caused by car accidents, burns, electrocutions or allergic reactions to insect bites (other than tick or flea bites).

Treatments for illnesses

This refers to treatments for any illnesses your pet might encounter, unless it’s excluded or not payable based on other policy conditions.

What exclusions should I be aware of?

Petbarn won’t cover:

  • Pre-existing conditions
  • Illness caused by parasites (except paralysis tick cover)
  • More than one incident of blockage or obstruction due to swallowing a foreign object per policy period

Petbarn won’t cover these specific conditions, regardless of whether your dog or cat is vaccinated against it:

Dogs:

  • Kennel cough
  • Infectious canine hepatitis
  • Prvovirus
  • Canine distemper
  • Parainfluenza

Cats:

  • Panleukopaenia
  • Chlamydia
  • Leukaemia (FeLV)
  • Feline Immuno Deficiency Virus (FIV)
  • Feline Infectious Peritonitis (FIP)
  • Viral rhinotracheitis
  • Calicivirus
  • Herpes virus
  • All forms of cat flu

Accident cover won’t pay for any of the following health events, however your pet might be insured under illness cover where applicable.

  • Patella luxations (dislocating kneecap)
  • Elbow and hip dysplasia
  • Fractured teeth
  • Toxicity (other than resulting from a confirmed snake bite)
  • Intervertebral disc disease (IVDD)

Waiting periods also apply. You cannot claim for injuries that result from the following conditions within the specified waiting periods after taking out cover. For example, a cruciate ligament injury before 6 months of cover.

  • 30 days: Treatments for tick paralysis.
  • 6 months: Cruciate ligament conditions. (This could be waived on application)
  • 6 months: Treatments covered under the dental illness benefit section.

If your pet is being used as a work animal, it may not be covered for specific conditions such as pregnancy.

What else is covered?

Petbarn pet insurance also includes a range of other benefits:

  • Routine care: Benefits payable for routine health treatments.
  • Dental illness benefit: Treatments for certain dental illnesses.
  • Emergency boarding: Helps cover boarding costs if you’re unexpectedly hospitalised and no one is available to take care of your pet.
  • Paralysis tick benefit: Treatments for paralysis resulting from tick bites.
  • Pet overseas travel insurance: Covers your pet if it's travelling with you overseas.
  • Essential euthanasia: Pays out for the cost of euthanising a pet on humane grounds.

How much does Petbarn pet insurance cost?

Your pet insurance cost could be influenced by the following factors:

  • The gender, breed and age of your pet
  • The level of cover you choose
  • Your excess
  • If your pet is desexed

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate Maximum Yearly Benefit
Woolworths Comprehensive Cover
$1,500
$24,000
80%
80%
$24,000
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Includes a price beat promise for similar policies and GapOnly cover.
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
$15,000
Get 16% off pet insurance for the first year. Plus, Medibank health members save 10% every subsequent year. Use promo code SAVE16. Ends June 22. T&Cs apply*. Find out more.
Budget Direct Dog Insurance
$1,500
$12,000
80%
80%
$12,000
Apply online and get 15% off your first year’s premium. T&Cs apply.
Knose Dog Cover
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
$25,000
⭐Finder Exclusive: Get 10% off of the first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
$15,145
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$2,500
$15,000
100%
100%
$15,000
Get a 5% discount when you insure more than one pet.
Kogan Pet Luxury Cover
$2,000
$15,000
80% or 65%
80% or 65%
$15,000
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$2,500
$12,000
100%
100%
$12,000
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
$2,300
$15,000
N/A
N/A
$15,000
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$1,500
$25,000
100%
100%
$25,000
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
RSPCA Ultimate Plus Accident and Illness Cover
Up to $20,000 annual limit
$20,000
80%
80%
$20,000
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Guide Dogs Premium Care
$2,000
$20,000
85%
85%
$20,000
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
PetSecure Accident and Illness Cover
$500
$12,000
75% or 85%
75% or 85%
$12,000
Your pet is covered for life.
Real Premium Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Covers an extensive range of illnesses and accidents, including an optional Routine Benefit add-on. Get 10% of premiums back in the first 12 months.
Guardian Platinum Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
No joining fee to pay.
Prime Sovereign Accident & Illness Cover
$1,200
$14,000
85%
85%
$14,000
With guaranteed renewal you can protect your pet for life.
Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Extra benefits such as overseas cover for your pet, plus an optional routine care add-on.
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