We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
PROSURE provides comprehensive cover for pets including accidental injury and wellness care. Annual benefit ranges from $8,000 (Silver Cover) to $14,500 (Platinum Cover), with up to 80% of the total cost of treatment reimbursed.
- Covers up to $14,500.
- 10% multi pet discount.
- Only the Gold and Platinum policies cover your pet for both accidental illness and injury.
Review by our pet insurance publisher Alexandra Koster
PROSURE pet insurance is not currently available via Finder. But don't fret! You can head to their website at www.prosure.com.au for more information or compare a bunch of other pet insurance companies with Finder.
What are the different levels of cover?
PROSURE Pet Insurance offers three levels of cover: Silver, Gold and Platinum:
|SilverAccidental Injury||GoldAccidental Injury & Illness||PlatinumAccidental Injury & Illness & Wellness Care|
|Percentage of vet bill covered|
|After hours emergency visits|
|Annual benefit limit|
|Cooling off period|
|Emergency boarding fees|
|Hereditary & congenital conditions|
|Laboratory & diagnostic tests|
|No claim bonus|
|Overseas Pet Travel Insurance|
|Prescription medicines & drugs|
|Wellness care rewards|
How much does it cost?
Your premium is calculated based on a number of factors, which include the risks associated with the insured pet, the breed, age, species of the pet, cover chosen and the place of residence.
You can pay your premiums fortnightly, monthly or annually with credit or debit card. If you’re late paying your the following actions can be taken:
- Cancellation of policy. The policy can be cancelled if a premium is in arrears for more than 30 days.
- Cancel claim payment. In case the premium is due for over 14 days the company can refuse the payment of claims.
What isn’t covered?
- Pre-existing conditions. These include conditions or symptoms existing at the commencement of the policy or during the waiting period.
- Dental care. Some items not covered within dental care are treatment of fractured teeth, teeth cleaning, orthodontics, removal of deciduous teeth or any oral disease.
- Day to day care. These include regular dietary pet foods, vitamins, minerals, grooming, bathing, training and therapies. This also includes treatment while the pet is used for commercial or occupational purposes like racing, breeding, guarding or law enforcement. Assistance and guide dogs are exempt from this exclusion.
- Certain treatments and conditions. These include ambulance fees or other non-essential hospitalisation, organ transplant surgery and artificial limbs.
- Elective procedures. These include cosmetic procedures, experimental treatments, hip and elbow scoring, debarking and others.
- Pet not protected. Any deliberate injury caused by you or other people living with you. This also includes any injury or illness caused by not taking reasonable precautions to protect the pet like ingestion of hazardous substances.
How do I make a claim?
A claim form can be downloaded online from PROSURE’s site or obtained by calling 1800 424 917. After filling the form it should be mailed to:
- PROSURE Pet Insurance
- Claims department
- Locked bag 9021
- Castle Hill NSW 1765
A few important points to remember when making a claim:
- Time period. All the claims must be submitted and received within 90 days of treatment.
- Vet section. The vet must complete and sign the claim form.
- Invoices. Adequate invoices and payment receipts must be attached with the claim form.
- Authorisation. You need to authorise the vet so they can release information about the pet.
Procedure followed in settlement of claim.
- PROSURE deals directly with the policyholder when settling the claim. PROSURE will pay the benefit directly to you and not the vet
- If PROSURE believe the vet bill is unreasonable, the benefit will be adjusted accordingly. This is done after PROSURE get a second opinion
- Fraudulent claims may result in the cancellation of your policy
- In case any amount is due to the firm it can be deducted while settling the claim amount.
Example: If the amount of eligible expenses to the Vet is $5,000 then 80% of the amount or $4,000 will be given back in cheque or directly transferred to the nominated account.
Frequently asked questions on PROSURE pet insurance
Compare alternative pet insurance policies
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
More guides on Finder
Amazon Prime Day 2021 Australia: Early deals on now
Amazon Prime Day 2021 officially starts on June 21 - or does it? Here's a stack of early-bird deals you can get right now.
Handypay Green Loan
A Green Loan from Handypay could help you make your home more energy-efficient. Handypay green loans are available up to $75,000 on terms of up to 10 years.
Victoria floods: How much food spoilage will your home insurance cover?
There’s been over 25,000 power outages across Victoria. Home insurance can reimburse you for the food that’s gone to waste. Find out who here.
TCL 20SE Review: Great display but otherwise unremarkable
If you're after a low-cost mobile with a quality display, the TCL 20SE is appealing, but you'll otherwise be left wanting for app performance, camera quality and battery life.
Today’s ASX top stocks: Moneyme (MME ↑18.8%), Cd Private Equity Fund I (CD1 ↑18.5%)
The 10 biggest movers on the ASX for Tuesday 15 June 2021.
Amazon Prime Day: 60% off fashion deals you’re not going to want to miss
Bargain hunters - get ready to save on Nike, New Balance, Cotton On, Tommy Hilfiger, Calvin Klein and so much more.
Amazon Prime Day home deals to expect: Bose, iRobot and more
From home speakers to robot vacuums, these are the items to watch out for this Prime Day.
Staple items worth a splurge and how you can grab a cheeky 30% off all of them
We've got a cheeky 30% off at THE ICONIC so here are the staple items worth a splurge because the savings are too damn good.
You might like these...
How much does it cost to insure a dog in Australia?
Ask an Expert