Petbarn Pet Insurance Review

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

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Alexandra Koster's headshot
Ceyda Erem's headshot

By

Alexandra Koster

&

Ceyda Erem

Updated

Fact checked
Petbarn Pet Insurance

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Key takeaways

  • Petbarn offers three cover options, multi-pet discounts and free rewards.
  • Cheaper policies don't cover dental.
  • No waiting periods on ingestion of a foreign object and toxicity.

Pros

  • Up to $30,000 annual cover, depending on the policy tier.
  • You can choose your excess: $0, $250 or $500.
  • Same-day accident cover available across all plans.
  • Use promo code 2MFREE to get 2 months off your first premium. Plus, access to ongoing discounts with the Pet Insurance Rewards Book. Offer ends 25 Mar 2027. T&Cs apply. available. T&Cs Apply.
  • Covers hospitalisation, surgery and medications, and alternative therapies available in the Routine Care add-on.

Cons

  • Silver Cover only available for dogs.
  • No routine care by default - must be added as an optional extra.
  • 6 months waiting periods for cruciate ligament and dental illness.

How does pet insurance from Petbarn compare?

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Petbarn Pet Insurance logo
9 Excellent
Petbarn Silver Dog Cover
9 Excellent
$20,000
$2,000
up to 80%
Specified illnesses only
Discount: Use promo code 2MFREE to get 2 months off your first premium. Plus, access to ongoing discounts with the Pet Insurance Rewards Book. Offer ends 25 Mar 2027. T&Cs apply.
View details
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Petbarn Pet Insurance logo
8.9 Great
Petbarn Platinum Cover
8.9 Great
$30,000
$30,000
up to 80%
Discount: Use promo code 2MFREE to get 2 months off your first premium. Plus, access to ongoing discounts with the Pet Insurance Rewards Book. Offer ends 25 Mar 2027. T&Cs apply.
View details
Compare product selection
Petbarn Pet Insurance logo
9.1 Excellent
Petbarn Gold Cover
9.1 Excellent
$20,000
$3,000
up to 80%
Discount: Use promo code 2MFREE to get 2 months off your first premium. Plus, access to ongoing discounts with the Pet Insurance Rewards Book. Offer ends 25 Mar 2027. T&Cs apply.
View details
Compare product selection
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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.

Read the full methodology

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Why choose Petbarn Pet Insurance?

  • Three levels of cover: Petbarn offers three distinct policies: "Silver," "Gold," and "Platinum." Keep in mind, Silver Cover is only available for dogs.
  • Choice of excess: For added flexibility over your premium, choose between a $0, $250 or $500 excess.
  • Optional extras available: Routine Care and Dental Illness Cover can be added onto your policy for extra cover.
  • Multi-pet discount: Pet owners insuring more than 1 pet will receive a 10% discount on their premium.
  • Friends for life points: Policyholders earn double "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.

1 of 1 result
Updated regularly
Sample quote Sample quote Sample quote Sample quote
Petbarn Pet Insurance logo
Petbarn Silver Dog Cover
Sample quote
$1,641.31
Sample quote
$605.76
Sample quote
$647.68
Sample quote
$848.61
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Showing 1 of 1 result

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. Some of the conditions Petbarn won't cover your pet include:

  • 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
  • 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

Sources

Alexandra Koster's headshot
Publisher

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. See full bio

Ceyda Erem's headshot
Co-written by

Senior writer

Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

Ceyda's expertise
Ceyda has written 140 Finder guides across topics including:
  • Insurance
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