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Loved by Pet Parents, Backed by Awards. Discover Flexible Pet Insurance with Real Perks
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Pet Insurance Australia has earned a strong reputation for excellence, taking home multiple awards from trusted industry review platforms including ProductReview.com.au, Mozo, and Canstar. As a company that specialises exclusively in pet insurance, we pride ourselves on delivering cover that’s built with passion and purpose. Run by pet lovers, for pet lovers, our dedicated focus ensures a personal, caring approach to protecting your furry family members — and it shows in our customer satisfaction and industry recognition.
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From playful pups to senior cats, thousands of Aussie pet parents trust Pet Insurance Australia to help with their vet bills. See what they have to say:
Nikki LevinTrustindex verifies that the original source of the review is Google. Absolutely incredible service to the absolute highest standard. Pay back is immediate, gap cover is accepted, and in general the nicest most caring humans. I could not support my precious dog without their support. Could not recommend highly enough. Jen WebsterTrustindex verifies that the original source of the review is Google. My normally very healthy, happy 16th month old chihuahua suddenly became very ill and had to be rushed to the animal hospital. After lots of tests and an overnight stay plus a week of strong antibiotics, she is now back to her normal lovely self. PIA accepted all the claims and processed the payments whilst I was still at the hospital. I could not be happier with the service I received from PIA. Simone RichardsonTrustindex verifies that the original source of the review is Google. Only need to pay the gap, prompt claims and high proportion of costs covered- wouldn’t be without - so grateful for PIA for our golden retriever- wouldn’t be without - highly recommend! Brad DeasTrustindex verifies that the original source of the review is Google. We have been insured with Pet Insurance Australia for our dog Ella for about 4 years now. The claiming process is extremely easy online and we usually receive our rebate within a day or so. Most recently we attended Sash Veterinary Hospital and they were able to process our claim for us so we only had to pay the gap payment. I would highly recommend Pet Insurance Australia. Personal GmailTrustindex verifies that the original source of the review is Google. PIA have become one of the best in their field. I highly recommend them, in fact many of my friends have signed up after my recommendation. Richard Taylor (artywah)Trustindex verifies that the original source of the review is Google. Our dog has had to undergo specialist cancer treatment and ongoing follow-up care. The PIA claims process has been easy to manage and has offered peace of mind for the cost of treatment Bianca BonnyTrustindex verifies that the original source of the review is Google. Great Experience for my Beaglier Daisy! Easy, Stressfree and the whole team is great! Highly recommend Diane McKayTrustindex verifies that the original source of the review is Google. Excellent. Never a problem. Claims paid promptly. Jeffrey MarcTrustindex verifies that the original source of the review is Google. Very easy process to claim and fast reimbursement. It has been a massive help with helping our dog with his allergies. Very happy with them.Google rating score: 4.7 of 5, based on 471 reviewsVerified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Whether you’re a dog person, cat person or both, Pet Insurance Australia makes it simpler to protect your four-legged family members. Explore our dog insurance and cat insurance options to find cover that suits your pet’s needs.
Benefits include:
Flexible annual benefit options – $15,000, $25,000 or $35,0002
Choose your benefit percentage and claim up to 70%, 80% or 90%15
Choice of annual excess amount – $0, $100, $300 or $600 (note: $600 not available with 70% benefit option)4
Optional Booster Care13
Optional Routine Care (non-insurance benefit)7
Multi-Pet discounts12
Convenient GapOnly®11 claims at participating vets
Complimentary 24/7 Vet Advice with LiveVet10
Select & Protect is Pet Insurance Australia’s newest and most competitive pet insurance policy. One flexible product that makes it easier to choose the level of protection your pet deserves. You simply select your annual benefit limit, benefit percentage, and annual excess from the options available to suit your pet’s needs.
We listened to our customers. Select & Protect simplifies pet insurance by removing confusing tiers and sub-limits. With one clear policy, flexible options, and valuable extras like MyPetPass® and access to GapOnly®, you can give your pet the care they deserve.
Select & Protect provides cover for accidental injuries and illnesses. This includes cover up to the policy limits for14:
Optional extras:
Learn more about how Routine Care and Booster Care work.
No, but you are able to add optional Booster Care to your policy. With Booster Care you’ll be covered up to $2,500 for eligible vet expenses incurred for scaling, polishing, dental x-rays and tooth removal for specified dental conditions such as gingivitis, cavities, fractured teeth due to dental disease, abscesses, retained baby teeth, and more. Find out more <LINK Booster care page>.
Please note: The Booster Care limit is the maximum amount payable during the policy period across both specified dental conditions and specialised therapies combined.
No, but you are able to add optional Booster Care to your policy. With Booster Care you’ll be covered up to $2,500 for eligible expenses for specialised therapies when deemed necessary by your vet to treat a covered condition. This includes holistic therapies such as physiotherapy, hydrotherapy, acupuncture, and chiropractic treatments, provided they’re carried out by qualified professionals. 13 Learn more about how Booster Care works. LINK HERE
Please note: The Booster Care limit is the maximum amount payable during the policy period across both specified dental conditions and specialised therapies combined.
No, but you can add Routine Care (non-insurance benefit) to your policy for up to $200 per year to help cover vaccinations, flea/tick/worm control, microchipping, desexing, health checks, and more. Learn more about how Routine Care works.7 LINK HERE
You can choose from benefit limits up to $15,000, $25,000, or $35,000 per policy period.
You choose your benefit percentage: 70%, 80%, or 90%. The higher the benefit percentage, the less you can expect to pay out of pocket on successful claims. However, please note this may result in a higher premium.
You can choose $0, $100, $300, or $600 annual excess. (Note: $600 excess is not available with 70% benefit percentage.)
No. Unlike many policies, Select & Protect has no sub-limits for eligible conditions or treatments. You’ll enjoy broad coverage up to your chosen annual benefit limit.14
Note: If optional Booster Care is selected in addition to your annual benefit, it has a separate limit of $2,500 per policy period for specified dental conditions and specialised therapies.
Additionally, if optional Routine Care (non insurance benefit) is chosen routine care items are subject to an annual $200 limit.
1 - Terms & Conditions Apply. 2 Month Offer Terms & Conditions can be viewed by clicking here
2 - Depending on your level of cover. Policy T&Cs, limits, exclusions, waiting periods and excess may apply.
3 - You may be eligible for a higher limit; if so, this will be specified in your certificate of insurance.
4 – Applies per Policy Period and is deducted from the benefit payable to you, depending on the cover option chosen. Please note the $600 excess option is not available with a 70% benefit percentage.
5 – T&Cs Apply. MyPetPass® is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available to holders of active policies. myPetPass® perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass® perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPass® through the offer or provision of perks, or that the myPetPass® rewards programme or any myPetPass® perks or features of myPetPass® will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms.
6 – After all documentation received.
7 - A separate limit applies to the non-insurance Routine Care item. Routine Care limits apply to specific routine care items. Click here for more info.
8 - There is a 6-month waiting period for cruciate ligament claims. This waiting period may be waived at our discretion. For details on the waiver process, refer to the applicable Product Disclosure Statement.
9 - Terms & Conditions Apply. 3 Month Offer Terms & Conditions can be viewed by clicking here
10 - Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use.
11 - Available at participating vets, find your nearest GapOnly® Vet at gaponly.com.au. The gap is the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. GapOnly® is available on eligible claims at participating vets with a pet insurance policy from a GapOnly® pet insurance partner.
12 - A 5% discount off your second pet insured, 10% discount off your third pet insured, 15% discount off your fourth and subsequent pets insured. For full terms and conditions of this discount, click here
13 - Policy T&Cs, Booster Care limit, applicable benefit percentage, waiting periods and exclusions apply. Annual excess may apply.
14 - Policy T&Cs, limits, exclusions and waiting periods apply. Annual excess may apply.
15 - Depending on the level of cover chosen
Pet Insurance Australia policies entered into for the first time prior to 8 May 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted, distributed and arranged by PetSure’s Authorised Representative (AR) Pet Insurance Australia Pty Ltd ABN 85 113 507 850, AR 326233 (PIA). Pet Insurance Australia policies entered into for the first time on or after 8 May 2023 and subsequent renewals of those policies are issued by PetSure and promoted, distributed and arranged by PetSure’s AR, PIA. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. the PDS and Target Market Determination available at petinsuranceaustralia.com.au.
We understand that there are times when our customers may be feeling vulnerable due to a range of factors. In these situations, we are committed to taking extra care and recognise these vulnerabilities can give rise to unique needs, which can change over time or in response to particular situations. If you are experiencing vulnerability and would like more information on the extra care we can provide please email us on [email protected]. You can also access our underwriter’s Family Violence Policy here, and their website also contains additional accessible ways you can contact us.