Petmed insurance gives you comprehensive cover with no upper age limit.
Its benefits are solid but not market-leading.
Pros
All Petmed pet insurance plans provide comprehensive cover for illness, accidental injury and hereditary diseases. This provides a high level of peace of mind for pet owners.
Petmed offers pet insurance policies to cover pets 8 weeks or older so there is no upper age limit to worry about.
Its $18,000 annual benefit isn't as much as insurers such as Knose, Petsy or Everyday but it's much better than most budget policies which only offer $12,000.
Cons
Like most pet insurance policies, if your pet has a pre-existing condition, you won't be covered by Petmed.
Its $1,000 paralysis tick benefit isn't market-leading — Budget Direct, Knose and Everyday are some of the providers available on Finder offering more.
How does Petmed pet insurance compare?
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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.
Here are a few reasons why Petmed pet insurance might be worth it for your pet:
Choice of no excess
Choose your own vet
Emergency boarding if you are hospitalised
Essential euthanasia covered
Lifetime cover when you join before the age limit and keep the policy active (exclusions and sub-limits apply)
Senior pets are welcome
Over 90% of claims paid in 5 days
Pet overseas travel insurance (in New Zealand or Norfolk Island)
What isn't covered?
While Petmed policies have a ton of inclusions, there are certain scenarios where your pet won't be covered at all. These can be found in the Product Disclosure Statement under 'general exclusions' and include:
3D printing
Ambulance fees and non-essential hospitalisation
Breeding or obstetrics
Cell-replacement therapies
External fixtures (including wheelchairs)
Genetic/chromosome testing
Gross negligence by you or your failure to take all reasonable precautions to protect your pet
Medicated baths and shampoos (unless medically necessary)
Medication not approved or listed by the Australian Pesticides and Veterinary Medication Authority
Pre-existing conditions
Prosthetics
Trial or experimental procedures and treatments
How to make a claim with Petmed
There are two ways to submit a claim:
Online. You can fill out and submit a claim form via Petmed's online Pet Portal. You will also need to upload copies of the itemised invoice and the consultation note from your pet's vet visit.
All claims must be submitted and received within 90 days of the treatment being provided.
Frequently asked questions about Petmed pet insurance
Petmed's policies are underwritten by The Hollard Insurance Company Pty Ltd.
You can take out Young Pets Cover for dogs and cats aged between eight weeks and nine years. Seniors Cover is available to pets over nine years of age and has no upper age limit.
Yes, you are free to choose any vet who is licensed to practise in Australia.
Yes, a 21-day cooling-off period applies. As long as you have not made a claim, you can cancel your policy within the first 21 days of taking out cover and receive a 100% refund.
Yes, a 30-day waiting period applies to illness claims. A six-month waiting period also applies to cruciate ligament conditions, but this may be waived if your vet completes and signs a Cruciate Ligament Exam Form.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share.
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Pet insurance can help you manage unexpected healthcare costs for your pet. You pay a monthly or annual premium and, in exchange, you get peace of mind that you'll have financial support if your pet is sick or injured and needs veterinary care.
Knose pet insurance provides 2 straightforward and easy-to-understand policies for your dog or cat. Find out if it has a policy good enough for your pet.
Find out what each of the 3 levels of pet insurance from Everyday covers.
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