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.
Why choose Petmed Pet Insurance?
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
Lifelong cover on all conditions
Senior pets are welcome
Over 90% of claims paid in 5 days
Pet overseas travel insurance (in New Zealand or Norfolk Island)
All Petmed policies cover accidental injuries and it can pay up to 80% of eligible vet bills related to:
A motor vehicle accident
A burn or electrocution
An insect, arachnid or snake bite
A bone fracture
Traumatic ligament or tendon injury
A bite wound or fight wound abscesses
Lacerations
There is no waiting period except for cruciate ligament conditions which are subject to a six-month waiting period from the start of your policy.
Illnesses
Comprehensive pet insurance covers you if your cat or dog gets sick and Petmed's is no different. It can also pay up to 80% of eligible vet bills for illnesses, including:
Cancer treatments
Eye/ear conditions
Gastrointestinal problems
Hereditary and congenital conditions (excluding pre-existing conditions)
Ingestion of a foreign object
Intervertebral disc disease
Skin conditions
Tick paralysis
There is a 30-day waiting period for illnesses and your pet must be over 8 weeks old at the start of the policy.
Routine Care
You can pay extra to have Routine Care included in your policy. There's no waiting period and it can pay for items such as:
Alternative therapies
Behavioural therapy
Council registration fees
Cremation or burial
Dew claw removal
Dental illness treatment
Desexing
FeLV/FIV tests or urinalysis
Flea/tick/worm control
Microchipping
Heartworm control
Heartworm tests or blood screens
Obedience training
Prescription diets
Teeth cleaning
Vaccination or health checks
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.
By post. You can download a claim form from the Petmed website or phone the insurer to have them mail a form to you. Once you and your vet have completed and signed the form, you can post it back to Petmed.
All claims must be submitted and received within 90 days of the treatment being provided.
Why compare pet insurance with Finder?
You pay the same price as buying directly from the pet insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've reviewed over 35 policies on the market, so you don't have to.
Frequently asked questions about Petmed pet insurance
Petmed's policies are underwritten by The Hollard Insurance Company.
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.
Claims are paid by cheque or by direct deposit into your nominated bank account.
Why you can trust Finder's pet insurance experts
We're free
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
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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