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Petbarn Pet Insurance Review

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?

The 3 core policies offered by Petbarn are as follows:

Dog and cat side by side

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.

Vet hospital

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.

Money back

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.

Dog breed1 yr old5 yr old
Maltese Cross$1,096.98$1,472.34
Cavoodle$1,173.53$1,546.87
Labrador$1,459.07$1,973.49
Staffordshire Bull Terrier$1,244.14$1,682.89
Border Collie$1,244.14$1,682.89

This information was correct as of July 2023.

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 locations
  • If your pet is desexed.

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

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.

  • 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 Medication 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.

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Pet Max Cover with Extra Care
tick
tick
$30,000
$30,000
90%
90%
⭐Finder Exclusive: Get your 1st month’s premium free when you choose Medibank Pet Insurance. Sign up using promo code FINDERONE. Offer ends 29 April 2024. T&Cs apply.
Everyday Comprehensive Plus Cover
tick
tick
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
PIA Major Medical Cover
tick
tick
$3,000
$30,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
Budget Direct Pet Insurance
tick
tick
$1,500
$12,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Coles Premium Cover
tick
tick
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
tick
tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Fetch Pet Insurance
tick
tick
$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Pet Circle Dog Cover
tick
tick
$10K or $17.5K or $30K
$0
70% or 80% or 90%
70% or 80% or 90%
Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
Vets Choice Elite Cover
tick
tick
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Guardian Platinum Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Petsy Custom Cover
tick
tick
$5000 or $10,000 or $25,000
$0
80% or 90%
80% or 90%
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
Real Premium Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Ultimate Plus Accident and Illness Cover
tick
tick
$20,000
$20,000
80%
80%
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.
Australian Seniors Top Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
tick
tick
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
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