Pets On Me Pet Insurance Review

How does Pets On Me compare? Here's our take.

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PetsOnMe Pet Insurance

Key takeaways

  • 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.

Compare Pets On Me pet insurance

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
PetsOnMe Pet Insurance logo
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$10,000
$10,000
80%
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
Get quote View details
Compare product selection
PetsOnMe Pet Insurance logo
Finder Score
Not scored yet
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$20,000
$20,000
80%
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
Get quote View details
Compare product selection
PetsOnMe Pet Insurance logo
Finder Score
Not scored yet
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$5,000
$5,000
80%
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
Get quote View details
Compare product selection
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Pets On Me pet insurance deals

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Get 2 months free (for pets under 1 year old)

OR 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.


5% Multi-Pet Discount

Save 5% when you insure multiple pets with PetsOnMe Pet Insurance.

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Why choose Pets On Me pet insurance?

  • Financial coverage: Policies offer up to 100% reimbursement for eligible vet bills and provide annual benefit limits of up to $20,000.
  • No fixed contracts. Plans do not require long-term commitments, allowing policyholders to cancel or change their coverage at any time without exit fees.
  • Payment speed. The claims process is designed for quick reimbursement, with most payments processed by the next business day.
  • Introductory offers. New policies include a period of free coverage (two months for pets under one year old and one month for older pets).
  • Established user base. The provider currently serves a community of over 52,000 members across Australia.

What isn't covered by a Pets On Me policy?

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
  • Experimental or investigational treatments

How to file a claim for PetsOnMe pet insurance

To ensure a smooth process, check your policy's coverage and general exclusions before submitting your claim. You can then follow these steps:

  1. Login to the Online Portal.
  2. Click on “claims”.
  3. Submit your claim by providing a few simple details including your vet’s invoice and clinical notes. You can also choose your preferred payment method.
  4. Once your claim is submitted the portal will display your claim number.
  5. You will be kept up to date on the progress of your claim via email.

Pets On Me pet insurance FAQs

Sources

Gary Ross Hunter's headshot
Journalist

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. See full bio

Gary Ross's expertise
Gary Ross has written 576 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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2 Responses

    Default Gravatar
    CitizenSeptember 23, 2025

    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?

      Ceyda Erem's headshotFinder
      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!

      Ceyda

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