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.
Compare a range of other pet insurance policies
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 and issued by PetSure (except those entered into before 7 November 2023 & subsequent renewals, which were issued by The Hollard Insurance Company Pty Ltd). 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
- Claim up to 80% of eligible vet bills
- Choice of excess to pay: $0, $250, and $500
- Cover for specified accidental injuries & illnesses for dogs older than 8 weeks and younger than 9 years (Gold and Platinum Covers)
- Cover for specified accidental injuries and specified illnesses for dogs older than 8 weeks and younger than 15 years (Silver Cover)
- Annual benefit limit of $30,000 (Platinum Cover); $20,000 (Silver and Gold Covers)
- Option to add Routine Care to cover vaccinations, de-sexing, micro-chipping, and day-to-day health problems
- Waiting periods apply (30 days for illness, 6 months for cruciate ligament and dental conditions)
Cat Cover
- Claim up to 80% of eligible vet bills
- Choice of excess to pay: $0, $250, and $500
- Cover for specified accidental injuries & illnesses for cats older than 8 weeks and younger than 9 years
- Annual benefit limit of $30,000 (Platinum Cover); $20,000 (Gold Cover)
- At-home vet visits covered
- Option to add Routine Care cover
- Waiting periods apply (21 days for illnesses, 6 months for cruciate ligament and dental illness)
Indoor Cat Cover
- Offered to indoor-only cats older than 8 weeks and younger than 15 years
- Claim up to 80% of eligible vet bills
- Choice of excess to pay: $0, $250, and $500
- Policy only covers specified conditions (no accidental injury cover)
- Annual benefit limit of $20,000
- At-home vet visits covered
- Option to add Routine Care cover
- Waiting periods apply (21 days for specified conditions, except ingestion of a foreign object and poisoning – 0 days; 6 months for dental illness, if selected)
Information is correct at the time of writing. Check PDS for specific details on each policy.
What We Love
- 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, they will review and calculate 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 19 cover options surveyed, they had the second lowest premium.
- Cover Options: On dog and cat covers, 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 coverage 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 one month free cover in their first policy year. This offer applies to new policies purchased between 29 February 2024 and 31 March 2024. 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 for 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: Cover is available for the life of your pet as long as Petinsurance.com.au continues to provide the product, and you renew your policy each year with no break, lapse, or change in the level of coverage.
What to Consider
- Specified Conditions Only for Indoor Cat Cover: While it’s great that you don’t have to pay for specific conditions for indoor cats, the coverage on this policy is 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.
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.
