Petbarn Pet Insurance

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

4.0 ★★★★★ (1 review) Write a review

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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

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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
  • Burns
  • Electrocution
  • Motor vehicle accidents
  • Traumatic ligament or tendon injuries
  • Bite wounds or fight wound abscesses
  • Allergic reactions to insect bites (other than tick or flea bites)
  • Lacerations or abrasions of tissue, skin or mucous membrane due to external violence
Treatments for illnesses

This refers to treatments for any illnesses your pet might encounter, such as cancer treatments and a range of other temporary and chronic conditions - unless it’s excluded or not payable based on other policy conditions. Be sure to check the current Product Disclosure Statement (PDS) on the provider website.

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:


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


  • 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

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