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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Pros
It covers 100% 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.
Deal
Up to 2 months free
Get 2 months free if your pet is between 6-52 weeks old, or 1 month free if your pet is over 1 year old. T&Cs apply.
Compare pet insurance from Pets On Me Pet Insurance
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: $50, $100 or $150.
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 100% 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
Illnesses
If your cat or dog gets sick, Pets On Me will pay 100% 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
Desex 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 100% 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 Hunter is a writer at Finder, specialising in insurance. He’s been writing about life, health, travel, home and pet insurance for over three years, has pored over hundreds of product disclosure statements and written more than 500 insurance articles. Gary holds a Tier 1 General Insurance (General Advice) certification and is passionate about helping Aussies understand their policies so that they can get better value for their money.
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