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. 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?
Compare other products
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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.
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.
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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. Some of the conditions Petbarn won't cover your pet include:
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 PetSure (Australia) Pty Ltd and is arranged and administered by Pet Insurance Pty Ltd (PIPL) and Petbarn 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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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.
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