Petbarn offers three cover options, multi-pet discounts and free rewards.
Cheaper policies don't cover dental.
Once a pet turns 8 years old, the reimbursement rate drops to 65% at the next policy renewal.
Pros
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.
Cons
Only the Total Cover policy includes coverage for dental conditions, anxiety conditions and alternative therapies.
How does pet insurance from Petbarn compare?
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
Finder 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.
Three levels of cover: Petbarn offers three distinct policies: "Core Cover," "Core Plus Cover," and "Total Cover."
No overall annual limit: Across all three policies, there is no overall annual policy limit, though specific per-condition or per-item limits apply depending on the chosen tier.
No excess: None of the three policies charge an excess fee when making a claim.
Friends for life points: Policyholders earn "Friends For Life" loyalty points for every dollar spent on insurance premiums. These points can be redeemed at Petbarn retail stores or Greencross vets clinics.
How much does Petbarn pet insurance cost?
To help give you an idea about costs for Petbarn pet insurance, we collected some annual quotes for a variety of Australia's favourite dog breeds.
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Total Cover
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
What exclusions should I be aware of?
Pet insurance won't cover you for absolutely everything that can happen to your bundle of fluff and insurers will usually have a list of general exclusions.
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
Elective treatments and procedures
Gross negligence by you or your failure to take all reasonable precautions to protect your pet
Ambulance fees and non-essential hospitalisation
External fixtures (such as wheelchairs) and prosthetics
Not approved or unlisted medications
Pesticides and veterinary medicines authority.
How to file a claim
There are different ways you can make a claim with Petbarn:
GapOnly claim. The clinic will lodge a claim on your behalf which usually takes up to ten minutes and you will pay the difference between your vet's invoice and your claim benefit.
Online claim. Head to Petbarn's website to submit your claim by uploading a copy of the itemised invoice and the consultation notes from your vet visit. First-time claims will require your pet's full medical history as well.
Frequently asked questions
Petbarn has no time limit to submit a claim for your pet.
As long as you continue to renew your policy once your pet is initially accepted, your pet will be covered for eligible vet expenses for life.
You can visit any licensed vet (other than yourself) that can legally practice as a veterinarian in Australia.
Petbarn Insurance is issued by The Hollard Insurance Company Pty Ltd and is arranged and administered by PetSure (Australia) Pty Ltd.
Alexandra Koster was Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs.
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Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
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