Potiki Pet Insurance Review

Get up to a $35,000 annual limit and up to 90% of your vet bills covered with a Potiki pet insurance policy.

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Gary Ross Hunter

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Potiki Pet Insurance

Key takeaways

  • Potiki offers one, flexible pet insurance policy, covering dogs and cats.
  • Choose between a $0, $200, $500 and $1,000 excess.
  • No sub-limits per condition.

Pros

  • Tailor your policy with a choice of annual limit, a 70%, 80% or 90% benefit percentage and your excess.
  • Potiki Perks come alongside the policy, giving you everyday pet care benefits like flea, tick and worming products.
  • 24/7 vet chat and GapOnly claims at participating vets, so you only pay the gap at the counter.

Cons

  • Your pet must be under 9 years old when you first take out cover, meaning you might not be able to get cover for senior pets.
  • Dental conditions are only covered if you add the optional Booster Care benefit.

Compare pet insurance from Potiki

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Potiki Pet Insurance logo
9.1 Excellent
Potiki Pet Insurance (Best in Show Cover)
9.1 Excellent
$7,500, $20,000 or $35,000
No sub-limit
70%, 80% or 90%
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We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.

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Why choose Potiki pet insurance?

  • Covers 70%, 80% or 90% of vet bills. Potiki's policies cover 70%, 80% or 90% of your veterinary expenses when your pet suffers an illness or injury. This includes consultation and surgical costs, diagnostic tests, hospitalisation and more.
  • Claim up to $35,000 cover. There's also no annual sub-limits per condition or treatment, including vet consultations, tick paralysis, cruciate ligaments and hip joint surgery.
  • 24/7 LiveVet chat. This is a handy feature if you need fast access to a professional opinion regarding your pet's care.
  • Easy claiming. It offers GapOnly cover which means you only pay the difference between the vet bill and what your policy covers (lots of insurers don't offer this yet).
  • Routine cover. For a more comprehensive level of care, you have the option to add on Routine Care cover, which is a non-insurance benefit that provides cover for things like desexing, vaccinations, prescription diets and more.

Cost of Potiki pet insurance

To help give you an idea about how much Potiki cover could cost your pet, we collected annual quotes for some of Australia's favourite dog breeds for petinsurance.com.au who issues its policies. Just remember, this is a recent snapshot of costs. Prices will differ based on things such as your own dog's age, breed and your address. It's worth comparing policies and getting a few quotes.

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Potiki Pet Insurance logo
9.1 Excellent
Potiki Pet Insurance (Best in Show Cover)
Sample quote
Sample quote
Sample quote
Sample quote
View details
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Prices will differ based on a few criteria, including:
  • The gender, breed and age of your pet
  • The level of cover you choose
  • Your excess
  • Your location
  • If your pet is desexed.

What isn't covered by a Potiki policy?

Here is the standard exclusions under a Potiki pet insurance policy:

  • Pre-existing conditions
  • Routine and preventative care
  • Elective and cosmetic procedures
  • Breeding and obstetrics
  • Standard dental care

How to make a claim

Here is a step-by-step process for filing your Potiki pet insurance claim online:

  1. Gather your required documents. Before logging in, make sure you have the following ready: an itemised invoice, vet consultation notes, proof of ownership (if applicable).
  2. Access the online portal. Log in to the pet insurance policy portal provided by Potiki and petinsurance.com.au.
  3. Add your vet details (optional). While in the Pet Portal, you have the option to add or update your veterinarian's details to keep your profile current.
  4. Upload your documents. Follow the prompts in the portal to upload copies of your itemised invoice, your vet consultation notes, and proof of ownership (if needed).
  5. Keep an eye out for follow-up requests. After submitting, monitor your email or phone. In some cases, Potiki may need additional information to process your claim, such as previous medical history or pathology results. If they need these, they will contact you directly.

Frequently asked questions about Potiki pet insurance

Sources

Gary Ross Hunter's headshot
Journalist
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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 554 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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