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?
Compare other products
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How we picked these
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 policies does Petmed offer?
Policy
Features
Young Pets
Covers your pet from 8 weeks to 9 years old
$5,000, $12,000 or $18,000 annual benefit limit
65% or 80% back on all eligible vet bills
Choice of $0 and $99 excess
Seniors
Covers your pet from 9 years old
$5,000, $10,000 or $15,000 annual benefit limit
65% back on all eligible vet bills
Choice of $99 and $199 excess
What does Petmed Pet Insurance cover?
Accidental injuries
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.
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.
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.
See full bio
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Pet Insurance Australia keeps finding coverage simple, with one comprehensive pet insurance policy. Apply securely online and pay nothing for the first 2 months.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
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