PROSURE Pet Insurance Review

Visit any vet or specialist in Australia and cover up to 80% of treatment costs for your dog or cat.

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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.

Our Verdict

  • 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.
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What are the different levels of cover?

PROSURE Pet Insurance offers three levels of cover: Silver, Gold and Platinum:

SilverAccidental InjuryGoldAccidental Injury & IllnessPlatinumAccidental Injury & Illness & Wellness Care
Percentage of vet bill covered
  • Up to 80%
  • Up to 80%
  • Up to 80%
Accidental injury
  • Yes
  • Yes
  • Yes
After hours emergency visits
  • Yes
  • Yes
  • Yes
Annual benefit limit
  • $8,000
  • $12,500
  • $14,500
Consultations
  • $300 annual benefit
  • $300 annual benefit
  • $300 annual benefit
Cooling off period
  • 21 days
  • 21 days
  • 21 days
Cruciate ligament
  • $2,600 annual benefit
  • $2,600 annual benefit
  • $2,600 annual benefit
Dental illness
  • No
  • $1,000 annual benefit
  • $2,000 annual benefit
Emergency boarding fees
  • $500 annual benefit
  • $800 annual benefit
  • $1,000 annual benefit
Excess
  • No Excess
  • No Excess
  • No Excess
Hereditary & congenital conditions
  • No
  • Yes
  • Yes
Hospitalisation
  • Yes
  • Yes
  • Yes
Illness
  • No
  • Yes
  • Yes
Laboratory & diagnostic tests
  • Yes
  • Yes
  • Yes
Multi-pet discount
  • 10% discount
  • 10% discount
  • 10% discount
No claim bonus
  • Yes
  • Yes
  • Yes
Overseas Pet Travel Insurance
  • Yes
  • Yes
  • Yes
Prescription medicines & drugs
  • Yes
  • Yes
  • Yes
Radiology
  • Yes
  • Yes
  • Yes
Specialist care
  • Yes
  • Yes
  • Yes
Surgery
  • Yes
  • Yes
  • Yes
Tick paralysis
  • No
  • $500 annual benefit
  • $1,000 annual benefit
Wellness care rewards
  • No
  • No
  • $150 annual benefit

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.

  1. PROSURE deals directly with the policyholder when settling the claim. PROSURE will pay the benefit directly to you and not the vet
  2. If PROSURE believe the vet bill is unreasonable, the benefit will be adjusted accordingly. This is done after PROSURE get a second opinion
  3. Fraudulent claims may result in the cancellation of your policy
  4. 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

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PD Deluxe Plan
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Petsy Dog Accidental Injury and Illness Cover (Vet Select)
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RSPCA Ultimate Plus Accident and Illness Cover
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Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
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Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
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$500
$12,000
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Covers an extensive range of illnesses and accidents, including an optional Routine Benefit add-on. Get 10% of premiums back in the first 12 months.
Guardian Platinum Accident & Illness Cover
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No joining fee to pay.
Prime Sovereign Accident & Illness Cover
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$14,000
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Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
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$12,000
Extra benefits such as overseas cover for your pet, plus an optional routine care add-on.
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