Pets On Me automatically covers dental disease as a result of infection. Most insurers don't cover this.
The insurer also offers a speedy claims process, with many customers receiving funds in one business day after submitting a claim.
Pros
Offers third-party liability insurance, a unique feature among pet insurers.
Its comprehensive policy covers dental disease as a result of infection. Most insurers don't automatically cover this, despite how common it is.
It's good if you're switching from another insurer. Pets On Me appears to be the only insurer we could find that will allow you to waive waiting periods if you've held a similar policy with another insurer for 1 year or more.
Cons
Its top policy comes with a $20,000 annual claim limit. That's likely more than enough for most but a small handful of insurers such as Pets On Me and Knose offer more.
Like other pet insurers, it won't cover your pet for any pre-existing conditions they have when you take out a policy.
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What types of cover does Pets On Me pet insurance offer?
Pets On Me pet insurance offers 3 types of cover: the Accidental Plan, the Classic Plan and the Deluxe Plan. The first covers vet bills for accidental injuries only, while the second and third cover accidents and illnesses. You'll have to pay an excess when you make a claim but you can choose the amount: $100, $200 or $300.
Accidental injuries
All Pets On Me policies cover accidental injuries. You won't have any waiting periods for accidents which is typical among most pet insurers. It can cover you for 80% of eligible vet bills such as:
Bone fractures
Snakebite toxicity
A traumatic ligament or tendon injury
A bite wound or fight wound abscesses
Lacerations
A cruciate ligament condition
Illnesses
If your cat or dog gets sick, Pets On Me will pay 80% of eligible vet bills. In most cases, you'll need to serve a 21-day waiting period before you're covered. This is shorter than several other insurers such as Woolies. You'll also have a 6-month waiting period before you're covered for dental illnesses. Some examples of illnesses Pets On Me cover may include the following:
Cancer treatment
Skin conditions
Eye and ear conditions
Congenital conditions (but not pre-existing conditions)
Dental illnesses (Deluxe only)
Tick paralysis
Wellness add-on
Pets On Me, like many insurers, offers a wellness add on as part of its cover. This is a type of routine care that lets you claim towards common treatments you're likely to need such as vaccinations and desexing. It's available with its Classic and Deluxe plans at an additional cost and can cover:
Vaccinations
Desexing and microchipping
Boarding fees
Advertising and reward
Loss due to illness
Pets On Me pet insurance FAQs
To make a claim, simply go to your vet and pay the bill. Afterwards, you can lodge your pet insurance claim online with Pets On Me. You'll be asked a few questions about the procedure and you'll need to attach the vet's invoice. You should be reimbursed for 80% of the costs, minus the excess. Its claims team is based in Newcastle, NSW and should in most cases pay you within 2 business days of receiving all necessary paperwork.
There is generally no waiting period for accidental injuries. There is a 21-day waiting period for illnesses. This is better than other insurers – most are 30 days. You'll need to serve a 6-month waiting period for dental illnesses.
They need to be between 8 weeks old and 12 years old for the accident plan. This is older than other policies we looked at. For the classic and deluxe, they need to be between 8 weeks old and 8 years and 11 months. This is similar to other insurers.
You won't be covered for the following with Pets On Me (read its PDS for a full list of exclusions):
Regular vet visits
Pre-existing/congenital conditions
Costs relating to statutory quarantine
Hereditary conditions for the first 90 days after the start of your cover
Elective/preventative procedures or cosmetic surgeries
Breeding, pregnancy or giving birth
Behavioural problems
Psychological conditions/disorders
Special diets, pet foods, dietary or nutritional supplements
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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Your review of Pets On Me was helpful, however they do not participate in the GAP Only program at Vets, which means you only pay the gap at each consolation. Why is this and when will they get involved like dozens of other insurers?
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CeydaOctober 8, 2025Finder
Hi there, glad to hear you found our review helpful! It’s hard to say when Pets On Me will begin participating in the Gap Only program as it is up to the insurer. I understand this is a very handy feature to have when visiting the vet. If you are interested in signing up to an insurer who offers Gap Only coverage, you can check out our Gap Only guide that a list of participating insurers. I hope this helps!
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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Your review of Pets On Me was helpful, however they do not participate in the GAP Only program at Vets, which means you only pay the gap at each consolation. Why is this and when will they get involved like dozens of other insurers?
Hi there, glad to hear you found our review helpful! It’s hard to say when Pets On Me will begin participating in the Gap Only program as it is up to the insurer. I understand this is a very handy feature to have when visiting the vet. If you are interested in signing up to an insurer who offers Gap Only coverage, you can check out our Gap Only guide that a list of participating insurers. I hope this helps!
Ceyda