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Vet’s Own Pet Health Insurance

Vet's Own and PROSURE have joined forces to offer pet insurance that covers up to 80% of your vet bills.

Vet's Own Pet Health Insurance has joined with PROSURE to continue offering competitive pet health insurance. You may choose from three levels of cover for your pet. The top levels of cover have higher annual benefit limits and include illnesses as well as accidental injuries.

finder.com.au does not currently have access to this pet insurance brand. You may wish to compare options available on the pet insurance homepage.

What policies does Vet's Own PROSURE pet insurance offer?

Here are the levels of cover and the benefits of each policy:

This is the most basic level of cover offered by PROSURE. It covers accidental injuries, but does not cover illnesses.

  • Annual benefit limit of $8000
  • Accidental injury only
  • Vet consultations
  • Hospitalisation
  • Emergency boarding
  • Necessary euthanasia
This is the mid-level offering from PROSURE. It has an increased maximum annual benefit and covers both accidental injuries and illness.

  • Annual benefit limit of $12,500
  • Skin conditions
  • Infectious diseases
  • Gastrointestinal problems
  • Tick paralysis
  • Dental conditions with an annual benefit limit of $1000
  • Emergency boarding
  • Necessary euthanasia
This is the most comprehensive policy offered by PROSURE and comes with the highest annual benefit limits as well as additional benefits for routine care costs and dental.

  • Annual benefit limit of $14,500
  • All illnesses and accidental injuries covered
  • Routine care benefit up to $150 a year
  • Dental work up to $2000 a year
  • Necessary euthanasia

You can swap to a higher level policy at any time, but any new waiting periods will apply for previously uninsured benefits.

What isn’t covered?

Like all insurance policies, there are some exclusions with PROSURE’s pet insurance. Here are some of the exclusions:

  • Pregnancy and breeding
  • Elective procedures
  • Grooming
  • Behavioural problems
  • Pre-existing conditions
  • Preventative procedures
  • Accessories
  • If your pet is used for commercial or occupational purposes
  • Malicious acts or lack of care

Each of these policy benefits has specific conditions and exclusions as well, so make sure you read the full product disclosure statement to ensure it is suitable for you.

How to file a claim

To make a claim with PROSURE Pet Health Insurance, you may submit your forms either online or through the post. You must make your claim within 90 days of receiving treatment, and you need to pay all treatment costs before you can submit your claim. You will need to provide the following information when making a claim:

  • Original invoices
  • Payment receipts
  • Consultation notes from the vet
  • A full medical record (if it is your first claim)

What are the benefits?

  • High benefit limit. You can get up to 80% of treatment cost covered.
  • Australia-wide protection. You can use any vet, animal hospital or treatment provider in Australia.
  • Cover for routine health procedures. With PROSURE’s Platinum policy, you will receive some cover for routine health costs.
  • Three levels of cover. You can find the policy that is right for your pet and your budget.
  • Dental work covered. If your pet has had regular dental checks, you can make claims for dental treatment. However, there is a two-year waiting period.
  • No-claim and multi-pet bonuses. You can get a no-claim bonus when renewing and up to 10% off when taking out multiple policies.

Questions you might have about PROSURE

Dental procedures are covered under the Gold level policy with an annual benefit limit of $1,000, which goes up to $2,000 per year with the Platinum policy. To be eligible to claim for dental costs, you must be able to demonstrate a history of annual dental checks for your pet. There is also a two-year waiting period before you can make a claim. Not all dental procedures are covered. The following are some of the specific exclusions for the dental benefit:

  • Orthodontic treatment
  • Root canal
  • Crowns
  • Cosmetic dental surgery
  • Corrective treatment
You may claim any routine care, like vaccinations, deworming, desexing and tick treatment. However, there is an annual benefit limit of $150.
No, none of the policies come with an excess. However, the maximum amount payable for any claim is 80% of your costs, so you will not be reimbursed for the total amount you pay.
Yes, but only in countries that don’t require your pet to be quarantined on return to Australia, which effectively means only in New Zealand. The policy will not cover your pet if they are out of Australia for longer than 60 days or if they are not under your direct care.
You can get a PROSURE Pet Health Insurance policy for your pet when it is between eight weeks and nine years of age. If you already hold a policy, you can continue your insurance cover beyond nine years of age as long as you renew each year without a break.
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