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Pets On Me Pet Insurance Review

Pets On Me is one of the only pet insurers to cover 100% of vet bills and offer dental disease cover – but like others, it doesn't cover pre-existing conditions.

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Gary Ross Hunter

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Pros

  • It covers 80% of eligible vet bills. That's a rarity in pet insurance.
  • 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 $15,000 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
Illnesses

Routine care

Ambulance vehicle with pet paw on the front

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 conditions

Vet building with pet paw on the front

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

Pet toothbrush and scissors

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
  • Desex and microchipping
  • Boarding fees
  • Advertising and reward
  • Loss due to illness

Pets On Me pet insurance FAQs

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Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 725 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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