Pet Secure pet insurance

Petsecure Pet Insurance

Flexible policies that cover up to 85% of veterinary fees plus a wide range of extra cover options

For many people their dog or cat is more than just a pet, they are both a companion and member of the family, and just like you take out insurance to protect your two-legged loved ones, you can also safeguard your furry friends and ensure you can financially cover their medical expenses in the event of accident or illness. With Petsecure Pet Insurance you can choose from two base plans to suit your desired level of cover, which reimburse up to 85% of notoriously expensive veterinary fees with an annual benefit limit of up to $12,000 for accidental injury and illness cover. Included in your accidental injury and illness cover is Paralysis Tick Benefit ($500), overseas travel insurance and a Free Pet ID tag for every pet insured.

Policies available from PetSecure

What are the policies offered by Petsecure?

Petsecure provides members with various policy options to choose from. These policies have been tailored to facilitate all owners (of dogs and cats) and their pets. With the option to tailor your premium to meet your financial needs, Petsecure Pet Insurance offers pet benefits under two insurance policy types.

Accident Cover: Provides pet owners with an affordable insurance policy for their pets. This benefit option will provide reimbursement for vet expenses incurred in the event your pet experiences an accidental injury such as:

  • Motor vehicle accident
  • An allergic reaction to an insect bite other than tick or flea bites
  • A burn or electrocution
  • A snake bite
  • Bone fracture
  • Traumatic ligament or tendon injury
  • Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
  • A fight or bite wound abscess

Accident and Illness Cover: This is a more comprehensive insurance package that includes protection for all the above-mentioned accidents, as well as any illnesses your pet may experience.

Overview of policy cover and benefit amounts

Policy TypeFeatures
  • Accident Cover
  • Covers accidental injury only
  • $8000 annual benefit limit
  • Up to 85% of vet expenses covered
  • No excess option available
  • Consultations and visits covered
  • No excess payable
  • Consultations and visits covered
  • 10% lifetime multi-pet discount per policy
  • 10% lifetime service dog discount per policy
  • 10% lifetime rescued pet discount
  • 10% lifetime Australian Pension Cardholder discount
  • Accident and Illness Cover
  • Covers both accidental injuries and illnesses
  • $12,000 annual benefit limit
  • Up to 85% of vet expenses covered
  • No excess payable
  • Optional Wellness Care pack (explained in more detail below)
  • 10% lifetime multi-pet discount per policy
  • 10% lifetime service dog discount per policy
  • 10% lifetime rescued pet discount
  • 10% lifetime Australian Pension Cardholder discount
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Any additional benefits that can be added?

There are a few extra perks offered by Petsecure to ensure that your pet can always receive the best medical and even some non-medical benefits available.

These additions are included in the Benefit Limit and provide individual benefits. The extra cover options offered under this section include:

  • Emergency Boarding: Payment for boarding provided for your pet in the event that you're hospitalised for 5 or more consecutive days ($1,000 per year).
  • Paralysis Tick Benefit: Pays towards the treatment of tick paralysis ($500 per year).
  • Free Pet ID Tag: Provides free pet ID tag for each pet covered.
  • Pet Overseas Travel Insurance: Covers vet expenses incurred whilst your pet is overseas.

Optional Wellness Care

This optional cover pack is only available to those who are already insured by the Accident and Illness Cover policy, and will pay up to $145 per year for wellness and personal care items such as:

  • Micro-chipping
  • De-sexing
  • Heart worm control
  • Dew claw removal
    • Teeth cleaning
    • Prescription diets
    • Alternative therapies
    • Hydrotherapy
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What isn't covered?

Petsecure, like most other insurance companies, includes a list of exclusions (things that aren’t covered). Veterinary treatments and services that Petsecure will not cover are outlined in detail below.

Excluded Treatment or ServiceDetails
  • Elective Procedures
Includes, but is not limited to:

  • Hind dew claw removal, which may be done during a de-sexing procedure
  • Genetic blood work i.e. gene testing and DNA
  • Dental procedures i.e. scaling, cleaning and polishing
  • Day-to-Day Care
Includes, but is not limited to:

  • Prescription or diet pet foods
  • Preventative procedures and treatments, such as vaccinations and travel sickness medication
  • Grooming and bathing of your pet
  • Training, socialisation, therapy and alternative therapies
  • Pre-existing Conditions
A condition or symptom of a condition experienced by your pet prior to the start of your policy or during any applicable waiting periods.
  • Neglect
A deliberate or malicious act that results in illness or injury to your pet.
Optional Wellness Care
This extra cover pack, which is only available to those who are insured by the Accident and Illness Cover policy, will allow you to claim for some of these exempted treatments, such as hind dew claw removal, de-sexing and teeth cleaning.
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How do I file a claim with Petsecure?

Petsecure makes filing a claim simple with the use of its user-friendly lodgement procedure. All claims can easily be filed online through the company’s Managed Policy Portal. If you choose to use this option, you must first sign up on the portal where you will be able to easily upload your documents and track the process of your claim. In order for your claim to be processed as quickly as possible, you must:

  1. Download the claim form.
  2. Complete and sign your designated section and have your vet complete and sign the section designated as well.
  3. Upload the completed claim form, along with all supporting documents and itemised invoices, to the Managed Policy Portal.
  4. Ensure that you keep all original documents for your personal records in case the company needs them.

While filing your claim online is the easiest way possible, if you would like to go the more traditional route and file your claim via mail ensure that you complete the claim form and mail it in with all supporting documents and itemised invoices. 

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Additional things you might want to know about

How much of my vet expenses will Petsecure cover?

The amount the company reimburses is determined based on the Benefit Percentage you selected when choosing your plan. However, the company reimburses up to 85% of all eligible vet expenses.

What are the waiting periods that apply?

For Accident & Illness Cover there is a 30 day waiting period for any illnesses. There is a six month waiting period that applies for cruciate ligament conditions unless your vet certifies that no cruciate ligament conditions existed on joining.

Does Petsecure provide coverage for chronic, lifelong conditions?

Yes, the company does provide coverage for chronic conditions such as cancer, arthritis and diabetes; however, the amount covered is specified in your Certificate of Insurance and is only applicable up to the annual benefit limit

Are hereditary and congenital conditions covered?

Yes, both hereditary and congenital conditions are covered once your pet has them, provided they have not shown signs and symptoms of the condition prior to the commencement date of your policy.

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