Is petinsurance.com.au pet insurance 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.

What is the average cost for pet insurance in Australia?

Based on data from Finder research, the average cost of pet insurance in Australia is approximately $127 per month. Actual premium prices will vary depending on your pet's age, breed, level of coverage and selected excess amount.

What is Live Vet support?

Petinsurance.com.au policies include 24/7 access to consultations with Australian-licensed veterinarians. This service can be used for general health inquiries, instructions for at-home treatment and determining if an in-person clinic visit is necessary.

The myPetPass program is included with your policy and provides the following services: 24/7 Veterinary support: Online consultations with veterinarians available at any time. Medication pricing: Lower rates on prescription drugs for pets. Retail discounts: Reduced pricing on pet supplies and related professional services.

PetInsurance.com.au Review

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Petinsurance.com.au offers a range of dog and cat insurance plans on Silver, Gold and Platinum tiers.
Policies cover both accidental injury and illness, with generous annual benefit limits of up to $35,000.
Platinum policy includes up to in coverage for specified dental conditions.

Pros

Cons

Compare pet insurance from Petinsurance.com.au

Finder Score	Maximum Yearly Benefit	Paralysis Tick Yearly Sub-Limit	Reimbursement rate	Accidental Injury	Illness
9.2 Excellent Pet Insurance with Petinsurance.com.au Insurance	9.2 Excellent	$7,500, $20,000 or $35,000	No sub-limit	70%, 80% or 90%			Petinsurance.com.au Insurance partners with award winning pet insurance provider, Petinsurance.com.au.	View details Compare product selectionCompare	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

Petinsurance.com.au scored in the Finder Awards

The Petinsurance.com.au 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 (Australia) Pty Ltd, 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 $35,000 annual cover on Platinum plans.
No waiting period for accidental injuries on most policies.
Reimbursement rate of 70%, 80% or 90%.
Broad condition coverage, including hereditary conditions and tick paralysis.
Discounts for insuring multiple pets under one policy.

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 to make a claim

Petinsurance.com.au provides the following methods for submitting a claim:

GapOnly (in-clinic). Participating clinics can submit the claim during your appointment. You pay only the difference between the total invoice and your policy coverage.
Veterinary eClaim. Your vet can submit an electronic claim on your behalf after treatment. Once reviewed and approved, the reimbursement is deposited into your bank account.
Submit online. If the clinic does not submit the claim, you can file it yourself through the Pet Portal. You must upload the vet's medical notes and a paid, itemised invoice that shows the breakdown of individual treatment costs.

FAQs

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.
The myPetPass program is included with your policy and provides the following services:
- 24/7 Veterinary support: Online consultations with veterinarians available at any time.
- Medication pricing: Lower rates on prescription drugs for pets.
- Retail discounts: Reduced pricing on pet supplies and related professional services.

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Angus Kidman

Editor-at-large

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Angus Kidman is Finder’s global Editor-at-Large and an award-winning journalist with over 30 years of experience in tech, travel and finance. He was previously the editor of Lifehacker Australia and Australian Personal Computer, and is a recognised commentator, appearing on shows like Sunrise and The Project. A two-time IT Journalism Award winner, Angus has written for top publications such as The Sydney Morning Herald, the AFR, The Australian and Gizmodo, and is known for his expertise in travel rewards and consumer technology. See full bio

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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 Silver, Gold and Platinum tiers. Policies cover both accidental injury and illness, with generous annual benefit limits of up to $35,000.

Key takeaways

Pros

Cons