Petbarn pet insurance

How does Petbarn cover pets?


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Petbarn knows both pets and insurance. With flexible cover options, multi-pet discounts and free rewards, Petbarn pet insurance might be the ideal option for you and your furry friend.

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What cover options does Petbarn offer?

There are three levels of cover to balance your costs:

  • Saver Plus - Basic cover
  • Essential - Mid-level cover
  • Ultimate - High level cover

Each cover the same range of conditions but differ in the annual limits and percentage of vet bill coverage.

At the ultimate level, your plan covers 80% of vet bills to a maximum of $20,000 per year.

Animal lovers can enjoy a 10% multi-pet discount for insuring more than one pet. New customers can also sign up for a free rewards book valued at over $1,000, as thanks for doing right by your furry friend.

You’re eligible for lifetime cover if you maintain it, however your pet must be over 8 weeks old to sign up.

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
  • Traumatic ligament or tendon injuries
  • Bite wounds or fight wound abscesses
  • Lacerations or abrasions of tissue, skin or mucous membrane due to external violence

As well as injuries caused by car accidents, burns, electrocutions or allergic reactions to insect bites (other than tick or flea bites).

Treatments for illnesses

This refers to treatments for any illnesses your pet might encounter, unless it’s excluded or not payable based on other policy conditions.

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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