How does pet insurance work?

Pet insurance is available to cover dogs and cats over the age of 8 weeks. Accident cover is available for pets of all ages and you can apply for accident and illness cover for pets up to 9 years old. Insurance can pay up to 85% of eligible bills, with a value of up to $14,000 per year (this will depend on the cover that you select).

Why should I consider pet insurance?

At some point your pet will need to see a vet, for treatment of either an injury or an illness and vet bills can be very expensive. Having insurance can alleviate the burden of these bills and ensure that you can afford to give your pet the treatment that they need.

What does pet insurance cover?

Standard policies cover accidental injuries or accident and illness; however some policies also include a benefit for Emergency Boarding, Essential Euthanasia and Paralysis Ticks. You will need to check the product details of the policy you wish to purchase to find out what is covered under your preferred plan. See the relevant Product Disclosure Statement for full details.

Is there an excess for pet insurance?

The plans do not have an excess – however you should note that you will only get a refund of between 75% and 85% of your eligible bills (depending on the cover you select).

What animals are covered by pet insurance?

Pet insurance will cover most breeds of cats and dogs.

What if I do not know how old my pet is?

If you do not know how old your pet is your vet should be able to give you an estimate.

What if my pet has a hereditary or congenital condition, will they be covered?

You will need to check the relevant Product Disclosure Statement of the policy you wish to apply for, but generally as long as symptoms or clinical signs of these defects were not present prior to the policy commencement date they will be covered.

When does the pet insurance policy start?

Your policy will commence at midnight on the day that your proposal is accepted by the insurer.

How soon can I make a claim on my pet health plan?

This will depend on the product that you purchase and you will need to check the Product Disclosure Statement for full details of the policy that you wish to apply for. As a general guide you can claim for accidents immediately and for an illness that arises 30 days after the start of the policy. There may be additional waiting periods for claims for items such as cruciate ligament conditions.


Can I choose which vet my pet will visit?

Yes, as long as the vet is licensed to practice in Australia.

How old does my pet have to be to get cover?

Pets are covered from the age of 8 weeks. You can only apply to get cover for pets aged less than 9 years for accident and illness cover; however there is no age limit for accident cover on its own.

Important Note:

The answers above are to be used as a reference guide only and do not substitute or replace your insurance contract, the Product Disclosure Statement (PDS) or Certificate of Insurance.