Virgin Money Pet Insurance Review

Supported by Zurich and Honey Insurance, Virgin Money Pet Insurance is a standalone policy packed with cover.

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Ceyda Erem

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Key takeaways

  • Virgin Money offers an impressive $40,000 annual limit, the highest annual limit on the market.
  • Customers have the flexibility to select their excess, with options ranging from $0 to $1,250.
  • There’s also the option to tailor your cover by adding routine or dental illness care to your policy.

Pros

  • Virgin Money Pet Insurance offers a notable $40,000
  • annual limit. No other insurer offers a limit this high.
  • Complimentary access to general vet advice and treatment options via televet.
  • No waiting period for routine cover (if added onto your policy).

Cons

  • Flat 80% reimbursement rate. Some insurers give you the option to choose.

What does Virgin Money Pet Insurance cover?

Virgin Money offers one pet insurance policy, making it easy for customers to take out cover. Here’s what’s covered:

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Virgin logo
8 Great
Virgin Money Pet Insurance
8 Great
$40,000
No sub-limit
80%
View details
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Finder Score for pet insurance

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.

Read the full methodology

Why choose Virgin Money Pet Insurance?

  • Optional routine and dental care add-on. For pet owners who want to give their fur babies additional cover, Virgin Money allows customers to include routine or dental care cover in their policy. This allows your pet to be covered for things like vaccinations, desexing, gingivitis and dental abscesses.
  • Free access to vet advice. As part of your policy, you’ll also get access to complimentary televet advice. This is a fantastic perk if you need an immediate answer to something you’re worried about.
  • Simple claims process. Virgin Money promises a simple 3-step claims process. Pay for the treatment upfront while in the clinic, upload a PDF of the invoice into the claims platform and, if your claim is accepted, the funds will be reimbursed within a few days.

What does Virgin Money not cover?

Every pet insurer comes with its own set list of exclusions. Virgin Money pet insurance will not cover the following:

  • Pre-existing conditions. These are conditions your pet had before your policy started or in a waiting period.
  • Breeding, pregnancy and birth. Costs related to breeding, pregnancy or giving birth.
  • Pet training, grooming and food. Things like puppy school, supplements and grooming products.
  • Alternative and elective therapies. Things like cosmetic surgery, acupuncture or physio.

How to make a claim with Virgin Money Pet Insurance

While you hope to never have to make a pet insurance claim, rest assured Virgin Money aims to make the claims process as smooth as possible. Here’s what you need to do:

  1. Pay the bill in the clinic once your pet receives treatment.
  2. Create a claim using your Virgin Money account and upload all supporting documentation.
  3. Submit your claim and await a response. If your claim is approved, you will be reimbursed within the following few days.
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Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

Ceyda's expertise
Ceyda has written 243 Finder guides across topics including:
  • Insurance
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