Claim up to
$35,000
In Annual Benefit Limits.2
Get the most out of
Pet Insurance Australia
Loved by Pet Parents, Backed by Awards. Discover Flexible Pet Insurance with Real Perks
Explore Pet Insurance Benefits:
01
Flexible Pet Insurance
Choose between competitive annual benefit limits and benefit percentages, select between multiple annual excess options, and add optional extras to suit the needs of your pet.
02
No Sub Limits – Just Honest Cover
Unlike many policies, Select & Protect has no hidden sub-limits for eligible conditions or treatments. You’ll enjoy broad coverage up to your chosen annual benefit limit subject to applicable benefit percentage and annual excess.
03
Large Annual Limits – $35,000
Select & Protect offers competitive annual limits in the Australian marketplace. You can choose from $15,000, $25,000 or $35,000 annual benefit limits.
04
Cover your Pet’s Dental
With the optional Booster Care to your policy for a $2,500 annual benefit limit for specified dental conditions and specialised therapies like physio, acupuncture, chiropractic, hydrotherapy, and behavioural consults.13
05
GapOnly® Claims11
Help protect your pet and your pocket. Claim on the spot at participating vets and pay only the gap with Pet Insurance Australia and GapOnly®
06
Complimentary 24/7 Vet Advice, Anytime you need it
With Live Vet support, you get round-the-clock access to trusted veterinary advice via video or chat, making professional advice just a click away.
Accident & Illness
Ticks
Allergies
Dental
Cruciate Ligament
Award Winning
Pet Insurance
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.
Get Started with
Pet Insurance Australia
New to Pet Insurance?
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Log in to manage your policy, make claims and access live vert support.
Compare Cover Options
Check what’s included and find the right fit.
Why Choose PIA?
Award-winning Pet Insurance, built by pet lovers.
What Our Clients
Have to Say About PIA
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:
Pet Insurance for
Your Dog or Cat
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
Your ticket to
Extra Pet Perks
MY PETPASS®
As a Pet Insurance Australia customer, unlock extra support and with myPetPass®.
At no additional cost, myPetPass® gives you access to:
• 24/7 online vet care
• Discounted pet prescription meds5
• Savings on pet supplies & accessories
• PLUS savings on pet care essentials, and more!
With new offers being added regularly, myPetPass® makes it easier to care for your fur baby.
T&C’s apply5
Introducing GapOnly®11
By choosing Pet Insurance Australia, you can rest assured that your furry family member is in the best of hands. And that’s not just because your pet is protected by our pet insurance policy, but thanks to our partnership with GapOnly®, you can experience claim ease when you need it the most. GapOnly® assists by reducing upfront costs on eligible claims. Working alongside your pet insurance policy, GapOnly® provides on-the-spot access to your pet insurance benefit for eligible claims, so you don’t need to pay the full Vet invoice upfront and wait to be reimbursed. In fact, as the name suggests, with GapOnly® you only pay the gap – the difference between the vet’s invoice and the eligible claim benefit under your policy. Simple.11
Frequently
Asked Questions
1. What is Select & Protect?
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.
2. Why did Pet Insurance Australia create Select & Protect?
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.
3. What does Select & Protect cover?
Select & Protect provides cover for accidental injuries and illnesses. This includes cover up to the policy limits for14:
- The following types of care when your pet suffers from a covered condition:
- Surgery and hospitalisation
- Medications
- Specialist care and diagnostics (e.g. X-rays, ultrasounds, MRI)
- Emergency vet visits
- Cancer treatment
- Hereditary and congenital conditions (unless pre-existing conditions)
- Cruciate ligament conditions (after waiting period)
Optional extras:
- Routine Care –Non insurance benefit ($200 annual contribution for preventative treatments like vaccinations, desexing, microchipping, parasite prevention, and more). Routine Care is a non-insurance benefit.7
- Booster Care ($2,500 annual cover for specified dental conditions and specialised therapies like physio, acupuncture, chiropractic, hydrotherapy, and consults for behavioural conditions).13
Learn more about how Routine Care and Booster Care work.
4. Does Select & Protect cover dental?
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.
5. Does Select & Protect cover specialised therapies?
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.
6. Is preventative care included?
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
7. What are the annual benefit limits?
You can choose from benefit limits up to $15,000, $25,000, or $35,000 per policy period.
8. What percentage of my vet bill is covered?
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.
9. What excess options are available?
You can choose $0, $100, $300, or $600 annual excess. (Note: $600 excess is not available with 70% benefit percentage.)
10. Does Select & Protect have sub-limits?
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.
For Care They Deserve,
You can count on PIA to deliver.
