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Petmed Pet Insurance Review

Petmed insurance gives you comprehensive cover with no upper age limit. But, if your pet has a pre-existing condition, you won't be covered.

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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.

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)

What policies does Petmed offer?

PolicyFeatures
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?:

Ambulance vehicle with pet paw on the front

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.

Vet building with pet paw on the front

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.

Pet toothbrush and scissors

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

Why you can trust Finder's pet insurance experts

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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.
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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.
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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.
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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.

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