Petbarn offers three cover options, multi-pet discounts and free rewards.
Cheaper policies don't cover dental.
Pros and cons
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.
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.
The 3 core policies offered by Petbarn are as follows:
Core Cover
Petbarn's most basic level of cover reimburses you for just the essentials to help keep your premiums manageable. You can claim 90% of eligible vet bills (65% if your pet is over 8 years old) with a $500 per condition limit including cover for specified accidents and illnesses.
Eligibility from 8 weeks up to 9 years old
Tick paralysis and ear conditions covered
Emergency boarding benefit of $500
No excess
No overall annual policy limit.
Core Plus Cover
Petbarn's mid-range option reimburses you for up to 90% of eligible vet bills (65% for pets over 8 years old) and covers everything you get with Core with double the per condition limit.
Eligibility from 8 weeks up to 9 years old
Tick paralysis and ear conditions covered
$1,000 per condition limit
Emergency boarding benefit of $1,000
Cruciate ligament conditions up to $1,000
No excess
No overall annual policy limit.
Total Cover
The most comprehensive policy offered by Petbarn 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.
Eligibility from 8 weeks up to 7 years old
Tick paralysis and ear conditions covered
$750 of dental included
Emergency boarding benefit of $500
Cruciate ligament conditions up to $4,000
Behavioural and anxiety conditions up to $400
No excess
No overall annual policy limit.
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
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
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.
Petbarn won't cover these specific conditions, regardless of whether your dog or cat is vaccinated against it:
Dogs:
Kennel cough
Infectious canine hepatitis
Parvovirus
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
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 do Australians think of Petbarn Pet Insurance pet insurance brand?
4.24/5 overall for Customer Satisfaction - higher than the average of 4.15
4.59/5 for Trust - higher than the average of 4.39
4.29/5 for Customer Service - higher than the average of 4.16
There are 3 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.
Paper claim. Download and print a claim from Petbarn's website so you can take it to the vet with you for help completing. Then mail this along with the consultation notes, original itemised invoices and payment receipts to Petbarn.
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 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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Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Pet Insurance Australia keeps finding coverage simple, with one comprehensive pet insurance policy. Apply securely online and pay nothing for the first 2 months.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
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