PetInsurance.com.au Review

PetInsurance.com.au Pet Insurance Review

Providing pet insurance for puppies, dogs, cats and indoor-only cats, PetInsurance.com.au is a popular cover option for pet owners who want to pay no excess on claims, while enjoying up to 80% coverage on vet bills, and GapOnly payments at participating vets.

Who is PetInsurance.com.au?

As a well-known brand in the world of pet cover, PetInsurance.com.au provides a range of cover options, administered by PetSure and issued by The Hollard Insurance Company. With more than 15 years of experience in the industry, PetSure is ranked as a leading provider of pet insurance in Australia, and among the top five in the world

PetInsurance.com.au Pet Cover

Dog Cover

  • Offered to dogs from 6 months
  • Claim up to 80% of eligible vet bills
  • No excess to pay
  • Accidental Injury & Illnesses Cover for dogs aged 6 months to 9 years at start of policy
  • Accidental Injury Cover for dogs 6 months and over, covers specified illnesses such as ingestion of foreign objects, tick paralysis and heatstroke
  • $10,000 annual benefit limit
  • Option to add Routine Care cover to cover vaccinations, de-sexing and day-to-day health problems
  • Waiting periods apply (30 days for illness, 6 months for cruciate ligament)

Puppy Cover

  • Protection for puppies (starting age from 8 weeks to 6 months)
  • Exclusive to PetInsurance.com.au
  • Fixed premium for three years
  • Claim up to 80% of eligible vet bills
  • No excess to pay
  • Accidental Injury & Illnesses Cover annual benefit limit $10,000
  • Accidental Injury Cover annual benefit limit $8,000
  • Option to add Routine Care cover
  • Waiting periods apply (30 days for illness, 6 months for cruciate ligament)

Cat Cover

  • Offered to cats from 8 weeks
  • At-home vet visits covered
  • Claim up to 80% of eligible vet bills
  • No excess to pay
  • Accidental Injury & Illnesses Cover (starting age from 8 weeks to 9 years) annual benefit limit $3,000 for accidents, $3,000 for illness
  • Accidental Injury Cover annual benefit limit $3,000
  • Option to add Routine Care cover
  • Waiting periods apply (30 days for illness, 6 months for cruciate ligament)

Indoor Cat Cover

  • Offered to indoor-only cats aged between 8 weeks and 9 years at start of policy
  • At-home vet visits covered
  • Claim up to 80% of eligible vet bills
  • No excess to pay
  • Policy only covers specified illnesses (no accidental injury cover)
  • Annual benefit limit of $5,000
  • Option to add Routine Care cover
  • Waiting periods apply (30 days for all illnesses, except for cancer, which is 6 months)

Information correct at time of writing. Check PDS for specific details on each policy.

What We Love

  • No Excess: One of the main selling points on PetInsurance.com.au pet cover is the fact that there is no excess to pay, no matter how many claims you make.
  • Lower Out-of-Pocket Expenses: When you make a claim, PetInsurance.com.au will cover 80% of your eligible vet bill, making visits to the vet much easier on your budget. When you visit a GapOnly vet, GapOnly reviews and calculates your pet insurance claim in real time, so you just pay the gap and go.
  • Cost: In our survey of Australian pet insurance prices for accidental injury and illness policies, the PetInsurance.com.au premium was well below average. Of the 25 cover options surveyed, they had the second lowest premium.
  • Cover Options: On dog, puppy and cat cover, you have the option to choose between injury and illness cover or injury only cover (which also covers specified illnesses). This makes it possible to choose the level of cover to suit your pet – and your budget.
  • Routine Care: You have the option to pay a bit more on your premium to add Routine Care cover to your policy. This provides cover for routine treatment that can include heartworm control, teeth cleaning and behavioural therapy, with an annual cap of $150.
  • Discounts & Offers: PetInsurance.com.au runs frequent promotions for new customers. At the time of writing, new customers benefit from 10% off their premiums for the first year, plus a 12 month subscription to VetChat, valued at $199. Thinking of applying? Be sure to check our pet insurance coupons page for the latest offer.
  • Extent of Cover: While PetInsurance.com.au does not offer cover on pre-existing conditions, it does allow pet owners to apply for pet insurance to cover hereditary and congenital defects, as long as the pet has not shown noticeable signs, symptoms or abnormalities prior to application, or during the applicable waiting period.
  • Cover for Life: While cover cannot be started for pets over nine years old, PetInsurance.com.au does offer ‘cover for life’ past the age of nine, as long as the pet is insured prior to reaching nine years old, and there is no break, lapse or change in the level of coverage following that milestone.

What to Consider

  • Relatively Low Annual Cap on Cat Cover: Regardless of whether you opt for injury and illness or injury only cover, PetInsurance.com.au cat cover caps annual claims at $3,000 for injury and $3,000 for illness, which is low compared to other insurers
  • Specified Illnesses Only on Indoor Cat Cover: While it’s great you don’t have to pay for injury cover for indoor cats, the illnesses covered on this policy are somewhat limited.
  • Using Intro Offers: When taking advantage of intro offers on reduced premiums, be sure to see how the policy’s standard premiums compare within the market once that intro period ends.

Mitch and Lu

I’m Mitch, and I’ve spent hundreds of hours researching pet insurance, meeting with pet insurance executives, and getting the opinions of vets and pet owners. I wanted to put out information on every pet insurance brand (that I know of), to provide a true overview of the many options available to pet owners.

All the information in this article was correct at the time of writing and may change over time. If you’re considering this product, be sure to review the Product Disclosure Statement so that you understand any terms, conditions and exclusions.

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