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 $30,000.
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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.
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 $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 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:
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Pet: Dog
Breed: Staffordshire Bull Terrier
DOB: 1 June 2020
Sex: Male
Quotes updated in July 2025
Desexed: Yes
Excess: $250
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
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.
Based on data from Finder research, the average cost of pet insurance in Australia is approximately $126 per month. Actual premium prices will vary depending on your pet's age, breed, level of coverage and selected excess amount.
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.
Angus Kidman is Finder’s International 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.
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