Petplan Pet Insurance Review | Benefits, Coverage & more | Finder

Petplan Pet Insurance Review

Compare pet insurance policies on offer from globally recognised insurer Petplan.

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Petplan offers four pet insurance policies to help you pay the vet bills for your cat and dog: Essential, Classic 1, Classic 2 and Ultimate. These policies cover vet bills for injuries, accidents and illnesses, as well as third party liability expenses, loss by theft and complementary therapies.

Our Verdict

  • Short waiting periods - up to 21 days for illness.
  • Claim up to $20,000 annually for your dog or cat.
  • Offers insurance for horses and ponies.
  • The Essential plan does not cover your pet for life.

Review by our pet insurance publisher Alexandra Koster

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What are the different levels of cover?
Petplan offers four levels of cover to suit a range of budgets: Essential, Classic 1, Classic 2 and Ultimate.

Cover is also available for alternative or complementary treatments, advertising and reward for a lost pet, loss by theft or straying, death from illness or injury, and holiday cancellation costs if your pet goes missing or needs surgery.

Petplan even offers horse insurance to provide cover for the cost of your horse’s veterinary treatment, as well as death from injury or illness or loss by theft or straying.

  • Essential. When your pet requires veterinary treatment for injury, accident or illness, this policy provides $7,000 of cover. Offering cover for a 12-month period, Petplan Essential Pet Insurance includes $1,000 of complementary therapies cover and $1 million of third party liability cover (for dogs only). Other features include a lump sum benefit if your pet dies from illness or injury (this is an optional extra) as well as boarding your pet while you are hospitalised, advertising for a lost pet and holiday cancellation fees when you cannot travel due to your pet’s health.
  • Classic 1. This mid-level policy offers cover for life, which means that as long as you renew your policy each year, there is no time limit during over the life of your pet during which you can claim for illness or injury. The maximum amount you can claim for veterinary fees rises to $10,000 for dogs and $9,000 for cats under this policy, while there’s also $2,000 of complementary therapies cover and $3 million of liability protection. Other features include cover for boarding fees, advertising costs, quarantine expenses and optional lump sum death payments.
  • Classic 2. This policy offers the same cover as the Classic 1 policy but to a higher level: you can receive up to $15,000 of cover for your dog’s vet bills and $10,000 worth of cover for your cat. This policy offers cover for life.
  • Ultimate. Ultimate Pet Insurance from Petplan offers $20,000 for the treatment of accidents, illness and injuries for dogs and $15,000 for cats. The level of third party liability cover rises to $5 million and the amount of complementary therapies cover rises to $4,000. Ultimate Insurance provides all the same benefits as the other three policies but to a higher or identical level. In addition, some benefits which are offered as optional extras on other policies, such as loss by theft or straying and a death benefit, are included as standard. This policy also offers cover for life.
  • Horse Insurance. Petplan Equine Insurance offers cover for veterinary fees, death from illness or injury, loss by theft or straying, disposal following humane destruction or death, saddlery and tack, and horse floats and horse-drawn vehicles.
Lifetime CoverUltimateClassic 2Classic 1Essential
Veterinary fees
  • $20,000 for Dogs$15,000 for Cats
  • $15,000 for Dogs$10,000 for Cats
  • $10,000 for Dogs$9,000 for Cats
  • $7,000
Complementary treatment
  • $4,000
  • $2,000
  • $2,000
  • $1,000
Third party liability (dogs only)
  • $5 million
  • $3 million
  • $3 million
  • $1 million
Death from illness
  • $2,000
  • $1,500
  • $1,500
  • $1,000
Death from injury
  • $2,000
  • $1,500
  • $1,500
  • $1,000
Boarding fees
  • $2,000
  • $1,000 for dogs $500 for cats
  • $1,000 for dogs $500 for cats
  • $1,000
Advertising and reward
  • $2,000
  • $1,000
  • $1,000
  • $1,000
Loss by theft or straying
  • $2,000
  • $1,500
  • $1,500
  • $1,000
Holiday cancellation
  • $2,000
  • $1,000 for dogs $500 for cats
  • $1,000 for dogs $500 for cats
  • $1,000
Quarantine expenses and loss of documents
  • $1,000
  • $1,000
  • $1,000
  • $1,000
Emergency repatriation
  • $500
  • $500
  • $500
  • $500
Multi-pet discount
  • Yes
  • Yes
  • Yes
  • Yes

How much does it cost?

There are several factors that will influence the cost of your Petplan Pet Insurance premiums, including:

  • The breed of your pet. Dogs cost more to insure than cats, and Petplan covers a higher proportion of dog vet bills than it does for cats. You’ll also have to consider the fact that certain breeds cost more to cover - for example, a Great Dane will typically have higher veterinary bills than a Maltese.
  • The policy you choose. The lower your level of cover, the less you will have to pay for premiums. Essential Pet Insurance from Petplan will cost you less than the higher level of cover available with an Ultimate Pet Insurance policy.
  • Where you live. You may live in an area where you are statistically more likely to have your pet stolen, or where there may be a higher risk of your pet getting hit by a car. This will be reflected in the premium you pay.
  • Your claims history. Your cover will cost more if you have previously made a claim for your pet.

What isn’t covered?

Petplan will not provide any cover if:

  • Your claim is for a condition that is specifically excluded from cover on your certificate of insurance.
  • Your pet is less than eight weeks old at the time cover commences.
  • Your claim is for a pre-existing condition or for an illness that starts in the first 21 days of cover.
  • Your claim is for death from an illness or disease that occurs after your pet’s eighth birthday.
  • Your claim is for routine treatment or preventative care, such as a vet check-up.
  • Your claim is for the cost of an elective procedure or treatment, such as desexing.
  • Your dog is used for guarding or track racing.
  • Your dog’s breed is banned in Australia or your dog has been declared dangerous by a government authority.
  • Your claim is connected to your pet being confiscated or destroyed by any government, public or local authority.
  • Your claim is caused by you breaking animal health or importation laws.
  • Your claim is caused by a malicious act, deliberate injury or gross negligence by you.
  • Your claim is for an illness that your pet contracted while outside Australia or New Zealand.
  • Your claim relates to a disease transmitted from animals to humans.
  • Your claim is for a dog not vaccinated against distemper, hepatitis, kennel cough, leptospirosis (in areas where it is recommended) and parvovirus
  • Your claim is for a cat not vaccinated against feline infectious enteritis, feline leukaemia and cat flu

How do I make a claim?

  1. Download a claim form from the Petplan website
  2. Complete the form and then submit it to Petplan. Make sure to fill out all the relevant details on your form, and in some cases your vet will need to fill out certain details.
  3. You’ll need to submit your claim form along with copies of itemised receipts and invoices. Claims can be submitted by post or by email.

FAQs

If you want to ensure that your pet always gets the highest level of care, the pet insurance options offered by Petplan are well worth considering. However, it’s vital that you compare policies from a range of insurers before deciding on just one.

Compare alternative pet insurance policies

Data updated regularly
Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate Maximum Yearly Benefit
Woolworths Comprehensive Cover
$1,500
$24,000
80%
80%
$24,000
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Includes a price beat promise for similar policies and GapOnly cover.
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
$15,000
Get 16% off pet insurance for the first year. Plus, Medibank health members save 10% every subsequent year. Use promo code SAVE16. Ends June 22. T&Cs apply*. Find out more.
Budget Direct Dog Insurance
$1,500
$12,000
80%
80%
$12,000
Apply online and get 15% off your first year’s premium. T&Cs apply.
Knose Dog Cover
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
$25,000
⭐Finder Exclusive: Get 10% off of the first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
$15,145
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$2,500
$15,000
100%
100%
$15,000
Get a 5% discount when you insure more than one pet.
Kogan Pet Luxury Cover
$2,000
$15,000
80% or 65%
80% or 65%
$15,000
Sign up and get $50 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$2,500
$12,000
100%
100%
$12,000
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$1,500
$25,000
100%
100%
$25,000
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
RSPCA Ultimate Plus Accident and Illness Cover
Up to $20,000 annual limit
$20,000
80%
80%
$20,000
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Guide Dogs Premium Care
$2,000
$20,000
85%
85%
$20,000
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
PetSecure Accident and Illness Cover
$500
$12,000
75% or 85%
75% or 85%
$12,000
Your pet is covered for life.
Bow Wow Meow Ultimate Care Plan
$3,000
$20,000
80%
80%
$20,000
Covers your pet for specific accidental injuries/illnesses, including dental illness. Join and get 2 months free for puppies. T&Cs apply.
Real Premium Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Covers an extensive range of illnesses and accidents, including an optional Routine Benefit add-on. Get 10% of premiums back in the first 12 months.
Guardian Platinum Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
No joining fee to pay.
Prime Sovereign Accident & Illness Cover
$1,200
$14,000
85%
85%
$14,000
With guaranteed renewal you can protect your pet for life.
Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Extra benefits such as overseas cover for your pet, plus an optional routine care add-on.
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2 Responses

    Default Gravatar
    IainFebruary 7, 2017

    How long it should take to respond to a fully completed Claim Form?
    Is there someone we can talk with regarding our claim that was made about one month ago?
    Please call me

      Avatarfinder Customer Care
      RichardFebruary 8, 2017Staff

      Hi Iain,

      Thanks for getting in touch. You will need to contact Petplan directly about any claims matters, which you can do by calling 1300 738 225 or emailing claims@petplan.com.au.

      All the best,
      Richard

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