Wise and Silent Pet Insurance Review

Choose from two plans for your cat or dog, with up to $30,000 a year and up to 90% back on eligible vet bills.

No reviews yet. Write a review
Ceyda Erem's headshot

By

Ceyda Erem

Posted

Fact checked

Key takeaways

  • Flexibility to set your annual limit (up to $30,000), benefit percentage (up to 90%) and excess.
  • Both plans include vet consultations and emergency pet boarding. Gold adds cover for dental illness, behavioural conditions and specialised therapies, but you need to take it out before your pet turns 3.
  • Any excess you choose is paid once per policy year, not on every claim.

Pros

  • Choose how much you get back on eligible vet bills, up to 90%.
  • Gold includes cover for dental illness, behavioural conditions and specialised therapies like physio and hydrotherapy.
  • Every plan covers vet bills on trips to New Zealand or Norfolk Island of up to 60 days.

Cons

  • Gold is only available if you take it out or upgrade before your pet turns 3.
  • A policy fee of up to $5 a month is charged on top of your premium.

Why choose Wise and Silent Pet Insurance?

  • Cover you can tailor: On every plan, you choose your annual limit (up to $30,000), how much you get back on eligible vet bills and whether to add an excess.
  • Consultations and boarding: Vet consultation fees for covered conditions are included, plus boarding at a licensed kennel or cattery for up to 30 days if you're unexpectedly in hospital for 4 or more days.
  • Cover for trips across the ditch: All plans cover vet bills if your pet joins you on a trip to New Zealand or Norfolk Island of up to 60 days.
  • Policy renewal you can count on: Wise and Silent won't refuse to renew your policy because of how many claims you've made or because your pet has developed a chronic condition.

What isn't covered under Wise and Silent Pet Insurance?

  • Pre-existing conditions, unless an exception is approved after a pre-existing symptoms and conditions assessment
  • Desexing
  • Brachycephalic Obstructive Airway Syndrome (BOAS), unless a BOAS application is completed and accepted
  • Dental illness, behavioural conditions and specialised therapies, unless added as optional extras
  • Routine and preventative care, such as check-ups, vaccinations, parasite prevention, teeth cleaning and food
  • Vaccinatable diseases if your pet's vaccinations weren't up to date
  • Pets used for work, racing, guarding or other sporting or commercial activities

This is just a summary of general exclusions. For the full list of exclusions, please refer to the Wise and Silent Pet Insurance PDS.

How to submit a claim

You should aim to submit your claim within 90 days of your pet's treatment. You can do it yourself, or have your vet start it for you.

  1. Lodge your claim online: Log in to the WAS customer portal, complete the claim form and attach a copy or photo of your vet invoice. Alternatively, your vet can email your paid invoice and clinical notes to petclaims@wiseandsilent.com, and you'll be contacted to confirm the claim.
  2. Clinical notes are requested: WAS Pet Insurance will contact your vet for the clinical notes that relate to your invoice.
  3. Provide history if needed: You'll be told if a full treatment history is needed from your current or previous vets. Your vet can send this online or by email.
  4. Get an outcome: Most claims are assessed within 5 business days of receiving all the information needed. In most cases, your claim is paid to you rather than your vet.

For claim questions, contact WAS Pet Insurance on 1800 671 136 (Monday to Friday, 8am to 5pm AEST) or email petclaims@wiseandsilent.com.

FAQs

Ceyda Erem's headshot
Written by

Senior writer
Add to Preferred Sources

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 244 Finder guides across topics including:
  • Insurance
More resources on Finder

Get rewarded $$ for switching with Finder Rewards

Find a better deal, save on your bills and get a free gift card. Sign up to be the first to hear about new Finder Rewards.

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Go to site