Petinsurance.com.au Review

Petinsurance.com.au offers a range of dog and cat insurance plans underwritten by PetSure (Australia) Pty Ltd, with options for Bronze, Silver, Gold and Platinum tiers. Policies cover both accidental injury and illness, with generous annual benefit limits of up to $30,000.

Key takeaways

  • Petinsurance.com.au offers a range of dog and cat insurance plans on Bronze, Silver, Gold and Platinum tiers.
  • Policies cover both accidental injury and illness, with generous annual benefit limits of up to $30,000.

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 on most plans.
  • 10% multi-pet discount available.
  • Covers hospitalisation, surgery and medications, and alternative therapies available in the Routine Care add-on.

Cons

  • Bronze cover only includes specified illnesses, not all.
  • No routine care by default - must be added as an optional extra.
  • 6-month waiting periods for cruciate ligament and dental illness.

Compare pet insurance from Petinsurance.com.au

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Petinsurance.com.au Pet Insurance logo
Finder Score
Petinsurance.com.au Cat Platinum Cover
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$30,000
$30,000
up to 80%
10% multi pet discount. T&Cs apply.
View details
Compare product selection
Petinsurance.com.au Pet Insurance logo
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Petinsurance.com.au Dog Gold Cover
Finder Score
$20,000
$3,000
up to 80%
10% multi pet discount. T&Cs apply.
View details
Compare product selection
Petinsurance.com.au Pet Insurance logo
Finder Score
Petinsurance.com.au Dog Platinum Cover
Finder Score
$30,000
$30,000
up to 80%
5% multi pet discount. T&Cs apply.
View details
Compare product selection
Petinsurance.com.au Pet Insurance logo
Finder Score
Petinsurance.com.au Cat Gold cover
Finder Score
$20,000
$3,000
up to 80%
10% multi pet discount. T&Cs apply.
View details
Compare product selection
Petinsurance.com.au Pet Insurance logo
Finder Score
Finder Score
$20,000
$2,000
up to 80%
Specified illnesses only
10% multi pet discount. T&Cs apply.
View details
Compare product selection
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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.

Read the full methodology

Finder Awards badge

Petinsurance.com.au scored in the Finder Awards

The Petinsurance.com.au Dog Platinum Cover was highly commended for Best Comprehensive Pet Insurance in the 2026 Finder Awards.

Full list of 2026 winners

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Why choose Petinsurance.com.au?

Petinsurance.com.au is backed by PetSure, which underwrites policies for many popular Australian pet insurance brands.

It offers tiered options for both cats and dogs, allowing owners to customise their coverage and premiums.
Highlights include:

  • High benefit limits: Up to $30,000 annual cover on Platinum plans.
  • No waiting period for accidental injuries on most policies.
  • Reimbursement rate of up to 80%.
  • Broad condition coverage, including hereditary conditions and tick paralysis.
  • Discounts for insuring multiple pets under one policy.

What's covered?

All policies include:

FeatureCovered?Notes
Accidental injuryYesSame-day cover on most tiers
IllnessYes21-day waiting period
Dental illnessYes6-month waiting period
Hereditary conditionsYesGold & platinum tiers
Cancer treatmentYesGold, platinum & bronze tiers
Skin conditionsYesGold & platinum tiers
Cruciate ligamentYesSilver, gold & platinum tiers
Tick paralysisYesSilver, gold & platinum tiers
Hospitalisation, surgery, medsYesIncluded in all tiers
Routine careOptionalAdd-on only

What's not covered?

Like most providers, Petinsurance.com.au excludes:

  • Pre-existing conditions
  • Pregnancy, elective or cosmetic procedures
  • Illnesses during waiting periods
  • Non-vet-approved medications or treatments
  • Conditions not treated by a licensed vet
  • Routine care (unless added as an optional extra)

How much does Petinsurance.com.au cost?

Here are sample annual premiums for a 5-year-old dog, with $250 excess and 80% reimbursement:

3 of 3 results
Annual quote
Petinsurance.com.au Pet Insurance logo
Finder Score
Petinsurance.com.au Dog Platinum Cover
$1,174.54
View details
Compare product selection
Petinsurance.com.au Pet Insurance logo
Finder Score
Petinsurance.com.au Dog Gold Cover
$1,009.99
View details
Compare product selection
Petinsurance.com.au Pet Insurance logo
Finder Score
$557.11
View details
Compare product selection
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Showing 3 of 3 results

Is petinsurance.com.au right for me?

Petinsurance.com.au is a strong all-rounder for pet owners who want comprehensive, customisable coverage for both dogs and cats. With generous benefit limits, wide coverage and same-day accident protection, it's a solid choice.

Best for: Pet owners who want flexible, full-feature cover with tiered pricing options and a generous multi-pet discount.

Sources

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