Petbarn Pet Insurance Review

Petbarn has a solid annual limit, plus a free Rewards program redeemable at Petbarn stores.

No reviews yet. Write a review
Alexandra Koster's headshot
Ceyda Erem's headshot

By

Alexandra Koster

&

Ceyda Erem

Updated

Fact checked
Petbarn Pet Insurance

Key takeaways

  • Petbarn offers one pet insurance policy, but gives customers the flexibility to select their reimbursement rate, annual limit, excess and whether they want to add-on optional routine care.
  • GapOnly® payments available at participating clinics.
  • Insure more than one pet and receive a 10% multi-pet discount.

Pros

  • Up to $35,000 annual cover, depending on the policy tier.
  • You can choose your excess: $0, $200, $500, $1000
  • Covers hospitalisation, surgery and medications, and alternative therapies available in the Routine Care add-on.

Cons

  • 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
9.5 Excellent
Pet Insurance with Petbarn Insurance
9.5 Excellent
$7,500, $20,000 or $35,000
No sub-limit
70%, 80% or 90%
Discount: Use promo code 2MFREE to get 2 months off your first premium. Offer ends 18 Mar 2027. T&Cs apply.
Petbarn Insurance partners with award winning pet insurance provider, Petinsurance.com.au.
View details
Compare product selection
loading

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

Need better pet insurance?

Take our easy quiz and find a better deal.

Why choose Petbarn Pet Insurance?

  • Select your annual limit: Petbarn allows you to choose your annual limit of either $7,500, $20,000 or $35,000.
  • Choice of excess: For added flexibility over your premium, choose between a $0, $200, $500 or $1,000 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.

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
  • Hereditary conditions and congenital conditions
  • 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

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

Alexandra Koster's headshot
Publisher
Add to Preferred Sources

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 243 Finder guides across topics including:
  • Insurance
More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Go to site