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With Petsecure Pet Insurance you can choose from two plans: Accident or Accident and Illness. When you take out an accidental injury and illness policy, you'll get a paralysis tick benefit ($500), overseas travel insurance and a 20% automatic discount on a petidtag.
- It covers 85% of vet bills. Most pet insurers come with an 80% reimbursement rate.
- It's good if you have an assistance dog, are a senior or pension cardholder or you have a rescue pet — you get a 10% lifetime discount.
- Its $12,000 annual benefit limit is among the lower limits available on Finder — out of 17, 11 offer more than this.
Review by our insurance writer Gary Hunter
Policies available from PetSecure
See some prices for PetSecure
To help give you an idea about costs for PetSecure pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like you're own dogs breed, age and your address, so it's always worth comparing policies and getting a few quotes.
|Dog Breed||1yr old||5yr old|
|Staffordshire Bull Terrier||$1459.95||$1976.66|
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
There are a few extra perks offered by Petsecure to ensure that your pet can always receive high-quality medical care, as well as some non-medical benefits.
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 ($500 per year).
- Paralysis Tick Benefit: Pays towards the treatment of tick paralysis ($500 per year).
- Free Pet ID Tag: You get a 20% discount on a Pet ID tag with petidtag.
- 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:
- Heart worm control
- Dew claw removal
- Teeth cleaning
- Prescription diets
- Alternative therapies
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 Service||Details|
|Includes, but is not limited to:|
|Includes, but is not limited to:|
|A condition or symptom of a condition experienced by your pet prior to the start of your policy or during any applicable waiting periods.|
|A deliberate or malicious act that results in illness or injury to your pet.|
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:
- Download the claim form.
- Complete and sign your designated section and have your vet complete and sign the section designated as well.
- Upload the completed claim form, along with all supporting documents and itemised invoices, to the Managed Policy Portal.
- 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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