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Pet Insurance Australia has helped protect over 150,000 Cats & Dogs since 2008. Sign up today and get a quote in minutes!
*Term & Conditions Apply
Over 150,000
Cats and Dogs protected since 2008.
Why Choose
Pet Insurance Australia
Loved by Pet Parents, Backed by Awards. Discover Flexible Pet Insurance with Real Perks
Explore Pet Insurance Benefits:
01
Claim up to $30,000 per year2
For Major Medical & Comprehensive Polices. Claim up to 90% back on eligible vet bills, up to $6,000 per year with Pet Essentials Cover⁵’
02
Use any registered veterinarian in Australia
Complimentary LiveVet13 Consult Membership.
03
Up to $145/Year in Routine Care Benefits1
Included with Major Medical Cover to support routine care items like vaccinations and flea control.
04
Multi Pet Discount UP TO 15%~
We offer a 5% discount for each additional pet insured, up to a maximum of 15%.6
05
Receive up to 80% of eligible vet bills back2
99% of claims processed in five business days.12
06
Claim On the Spot with GapOnly®14
Claim your benefit on the spot at participating vets and only pay the gap on eligible claims.
07
Financial Excess Options
Choose your own excess – $0, $100, $200, $500. 4
Pet Essentials does not include excess options.
08
24/7 Live Vet Support13
24/7 access to experienced vets online via Live Vet at no additional cost. Get help within minutes, via video or online chat. T&Cs apply.7
1 Routine Care is a non-insurance benefit included with Major Medical Cover. Terms, conditions, and exclusions apply. Refer to the PDS and TMD at petinsuranceaustralia.com.au. Separate limit for the non-insurance Routine Care item. Routine Care limits apply to specific routine care items. Click here for more info.
2Depending on your level of cover. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.
4Applies per Condition, per Policy Period and is deducted from the benefit payable to you.
5Subject to stated benefit limits, the annual condition limit of $1,000 per condition, waiting periods and policy terms and conditions. The benefit percentage will reduce from 90% to 65% for pets over the age of 8 years.
6An incremental 5% discount for each additional pet you insure after the first one up to a maximum discount of 15%. Multi-Pet Full Terms and Conditions can be found here.
7MyPetPass® 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.
12Once all required claims documentation has been received.
13 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.
14 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.
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
If you are ready to get pet insurance but not sure what cover is right for you, call our friendly team and we can help you compare your cover options and choose the policy that best suits you and your pet’s needs.
New Customers
Get a free online quote today to compare the best options for your best friend.
Client Portal
As a policy holder, live vet support is available through your Pet Portal. Click the arrow to log in.
Compare Cover Options
Compare our Pet Insurance plans to ensure you select coverage that suits you and your furry friend.
Why Insure with PIA?
We have flexible cover options so you can choose the right policy to suit your needs and lifestyle.
What Our Clients
Have to Say About PIA
Whether you have a dog or a cat, choosing the right pet insurance can be overwhelming. Pet Insurance Australia’s dog plans take the guesswork out of coverage, while our cat policies support your feline family’s health and welfare.
Pet Insurance for
Your Dog or Cat
A Broad Range of Benefits:
- Choose from 3 levels of coverage
- Up to 80% of eligible vet bills reimbursed2
- Choose your own excess ($0, $100, $200 or $500) for Major Medical & Comprehensive Polices
- Claim up to $30,000 per year2
- Multi-Pet Discounts of up to 15%6
- Convenient GapOnly®14 claims!
- Claim up to 90% back on eligible vet bills, up to $6,000 per year with Pet Essentials Cover⁵
PIA Pet insurance for dogs or cats provides assistance to the health and welfare of your furry family members. Just as you wouldn’t leave any family member unprotected, your pet also deserves a safety net for their health and well-being. Pet Insurance Australia offers a selection of coverage options for a full range of dog and cat breeds, reducing the stress of vet costs.
Pet Insurance for
Your Dog or Cat
A Broad Range of Benefits:
- Choose from 3 levels of coverage
- Up to 80% of eligible vet bills reimbursed2
- Choose your own excess ($0, $100, $200 or $500) for Major Medical & Comprehensive Polices
- Claim up to $30,000 per year2
- Multi-Pet Discounts of up to 15%6
- Convenient GapOnly®14 claims!
- Claim up to 90% back on eligible vet bills, up to $6,000 per year with Pet Essentials Cover⁵
PIA Pet insurance for dogs or cats provides assistance to the health and welfare of your furry family members. Just as you wouldn’t leave any family member unprotected, your pet also deserves a safety net for their health and well-being. Pet Insurance Australia offers a selection of coverage options for a full range of dog and cat breeds, reducing the stress of vet costs.
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 meds
• 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 apply7
Introducing GapOnly®14
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.
Frequently
Asked Questions
1. How does pet insurance work?
Pet insurance works similarly to other types of insurance but is designed to cover veterinary expenses for your pets if they have an unexpected illness or injury. Here’s how it typically works:
- Choose a Policy: You start by selecting a pet insurance policy from a provider of your choice. Policies may vary in terms of coverage options, excess, premiums, and other features.
- Pay Premiums: Once you have a policy, you’ll need to pay regular premiums to the insurance company. These payments are typically made monthly or annually and help keep your coverage active.
- Visit the Veterinarian: When your pet requires medical care, you take them to a veterinarian or animal hospital for treatment. This could be for illnesses, injuries, or even surgeries.
- Pay the Vet Bill: At the veterinary clinic, you’ll need to pay the full bill for your pet’s treatment and care. This includes any excess or expenses not covered by your insurance.
- Submit a Claim: After paying the vet bill, you collect the necessary documentation, such as invoices and medical records, and submit a claim to your pet insurance provider. This can also be done on the spot at your vet if you are utilising the GapOnly® service at participating veterinary clinics.
- Claims Review: The insurance company reviews your claim to ensure it meets the policy’s terms and conditions. They assess whether the treatment is covered, whether it falls within any waiting periods, and if there are any pre-existing conditions that might affect coverage.
- Reimbursement: If your claim is approved, the insurance company will reimburse you for a portion of the eligible expenses, according to the terms of your policy. The reimbursement rate is typically a percentage of the covered costs.
- Repeat as Needed: You can continue to use your pet insurance for future veterinary expenses as long as your policy remains active. The process of paying vet bills and submitting claims repeats each time your pet requires medical care.
2. What pets does Pet insurance Australia cover?
Pet Insurance can cover a wide range of common pet accidents and illnesses, including cancer treatments, fractures, Intervertebral Disc Disease (IVDD) and allergies^. Depending on your chosen level of cover, you may also be able to claim an annual amount for non-insurance-based treatments like training, microchipping and desexing*. It is crucial to note that certain conditions and treatments may not be covered by your insurance policy. The specifics vary based on your chosen pet insurance plan, so it’s important to carefully read your policy booklet, Product Disclosure Statement (PDS) and Target Market Determination (TMD) to compare policies and select the one that best suits the needs of you and your pet. For essential information about Pet Insurance Australia policies, please refer here.
^Subject to limits, benefit percentage, excess and exclusions
*Subject to limits and exclusions
3. What are the coverage options available with Pet Insurance Australia policies?
Pet Essentials – Specified Accidental Injury and Illness Cover (subject to an annual condition limit).
Comprehensive Cover – specified Accidental Injury and Illness Cover^.
Major Medical Cover – Specified Accidental Injury, Illness and Routine Care Cover (non-insurance benefit).
4. What is the waiting period for coverage to take effect?
The Waiting Periods that apply are:
30 days – for Conditions covered under the Illness Cover.
6 months – for Cruciate Ligament Conditions (may be waived on application, refer to the Product Disclosure Statement for more information.
Specified accidental injuries are covered from 11:59pm from the commencement date of the first policy period.
5. Are there any exclusions or limitations to coverage?
With all pet insurance there are general exclusions. At Pet Insurance Australia we also have some general exclusions that will affect your coverage. Unless the relevant item appears on your Certificate of Insurance, we don’t provide cover or pay benefits for:
- regular nail clipping or preventative dew claw removal;
- behavioural conditions such as anxiety disorders, phobias or chemical imbalances;
- medicated baths and shampoos, unless your vet says they are medically necessary to treat a condition covered by your policy;
- accessories, including but not limited to pill poppers, cage hire, crates, bedding and collars;
- medication not approved or listed by the Australian Pesticides and Veterinary Medicines Authority;
- the provision of medication(s) that covers a period of more than 30 days beyond your policy end date, chemical castration, suprelorin implants or other desexing procedures, unless required to treat the eligible condition affecting your pet’s reproductive organs due to a condition covered by your policy;
- breeding or obstetrics;
- orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment and odontoclastic resorptive lesions;
- or any disease that affects dogs or cats that is subject of a biosecurity emergency declaration under the Biosecurity Act 2015 (Cth); flea/tick/worm preventative treatments or measures, including but not limited to tick baths, sprays, and intestinal worming products, whether recommended by your vet or not – however, there is an annual benefit limit on Major Medical policies for some of these treatments.
- Cell-replacement therapies including but not limited to stem cell therapy and platelet-rich plasma are also not covered in our policies.
For more information on what is not covered in our policies take a look at our Product Disclosure Statement (PDS) under important notices on our website.
6. Are there any age restrictions for pets to be eligible for coverage?
Yes, at Pet Insurance Australia, your pet is eligible for new policies from eight weeks until their ninth birthday for our Major Medical and Comprehensive insurance plans. For our Pet Essentials policy, pets are eligible for cover from eight weeks of age until their 12th birthday. However, pets who hold a policy with us, with no insurance break, will have lifetime cover for their dog or cat.
7. Will my pet’s common breed problems be covered?
Yes. We cover for hereditary and congenital conditions as long as there are no signs or symptoms of that condition prior to the commencement of your policy or within the applicable waiting period.
8. Can I visit any vet I choose?
Yes, you can choose any vet you wish if they are registered veterinarians in Australia. If you want to access the GapOnly® service, where you can claim on the spot at your veterinary clinic, it is vital to check they are participating on this platform.
9. How do I make a pet insurance claim?
Making a pet insurance claim for eligible veterinary costs is simple with Pet Insurance Australia. You can lodge a claim via our pet portal on our website, directly at your veterinary clinic with the GapOnly® platform or a postal paper claim. GapOnly® on the spot claims are only available at participating veterinary clinics. To find out more on how you can make a claim, take a look here.
10. Can I cancel my pet’s policy at any time?
You can cancel your policy with us anytime by contacting our customer service team. The cancellation will be effective once we provide you with a written confirmation of your request, either by email or letter.
For Care They Deserve,
You can count on PIA to deliver.
