Why Pet Insurance Australia?
At PIA, we are passionate about dogs and cats of all shapes and sizes. Whether your breed is a purebred, a mixed breed, or a precious rescue pet, PIA may help reduce some of the financial stress of unexpected, upfront vet costs, so you can concentrate on your pet during times of need. As a multi-awarding winning pet insurance provider who only specialises in pet insurance, we understand the needs of pet parents around Australia and offer a range of pet insurance policies that can help towards the costs of expensive treatments for the health and wellbeing of your four-legged best friend.
We have flexible cover options so you can choose the right policy to suit your needs and lifestyle. We understand that veterinary treatments may be costly, and our pet insurance plans cover up to 80% of eligible veterinary expenses when your cat or dog becomes injured or ill^. At PIA, you may also choose your level of excess $0, $100, $200 or $500 on some plans. Plus, our pet portal allows you to easily submit claims, update your details and manage your policy.
Pet Insurance Benefits
| What is Covered in all Plans |
|---|
Use any registered veterinarian in Australia |
Complimentary VetChat consult membership |
Claims for eligible veterinary bills between $6,000 to $30,000 per year* |
Receive up to 80% of eligible vet bills* |
Choose your excess ($0, $100, $200, $500)* |
Multi-pet discount |
Lifetime cover** |
Friendly service from our team of pet-loving professionals |
Access to GapOnly® service at participating veterinary clinics |
21-day cooling off period |
* Depending on your level of cover. Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
** As long as we continue to offer the product, and provided there are no breaks in cover, subject to the terms and conditions of the policy for each policy period.
Pet Insurance Australia – Experts with Experience
PIA are the trusted experts in pet insurance in Australia having over 30 years’ experience in the pet industry, we understand the needs of cat and dog owners across Australia. We are not just a family-owned Australian business but also understand the vital role pets bring to our everyday lives. We’re passionate about providing comprehensive pet insurance policies to help protect your furry family members, that sets PIA apart.
With flexible coverage options and the ability to claim up to $6,000 or $30,000 per year (depending on your level of cover), our quick claiming process and expert customer service will help provide you and your pet with the care they deserve when the unexpected happens.
Award Winning Pet Insurance
Over the years, PIA has stood out in the award field for pet insurance, winning consecutive awards from leading industry reviews, including Product Review, MOZO and Canstar. PIA also supports the Pet Insurance Australia Companion Animal Rescue Awards, being the consecutive naming partner of these significant honours that celebrate the achievements in rescue and companion animal welfare. At PIA, it’s this dedication and personal touch to pet care and insurance that ensures customer satisfaction.
- 2023 Product Review Pet Insurance Provider of the Year
- 2022 MOZO Experts Choice Awards Exceptional Value Accident & Illness Pet Insurance
- 2022 Canstar Innovation Excellence
- 2022 Product Review Pet Insurance Provider of the Year
- 2021 Product Review Pet Insurance Provider of the Year
- 2021 MOZO Experts Choice – Exceptional Value Comprehensive Pet Insurance and Exceptional Value Accident & Illness Pet Insurance
- 2020 MOZO Experts Choice – Exceptional Value Comprehensive Pet Insurance and Exceptional Value Accident & Illness Pet Insurance
- 2019 MOZO Experts Choice Exceptional Value Comprehensive Pet Insurance and Exceptional Value Accident & Illness Pet Insurance
- 2019 Product Review Pet Insurance Provider of the Year
- 2018 Product Review Pet Insurance Provider of the Year
- Pet Insurance Australia Companion Animal Rescue Awards 2022 (platinum rescue hero & naming sponsor)
- Pet Insurance Australia Companion Animal Rescue Awards 2021 (platinum rescue hero & naming sponsor)
- Jet Pets Companion Animal Rescue Awards 2020 (gold rescue partner)
- Jet Pets Companion Animal Rescue Awards 2019 (gold rescue partner)
- JetPets Companion Animal Rescue Awards 2018 (silver rescue sponsor)
Pet Insurance Australia Offers:
Major Medical & Comprehensive Limits
Claim up to $30,000* per year.
Pet Essentials Limits
Claim up to $6,000* per year.
Claim Up to 80% Back*
Claim up to 80% of eligible vet bills.
VetChat Consultations
Complimentary access to VetChat consult membership.
GapOnly® Claims
Claim your benefit on the spot at participating vets and only pay the gap on eligible claims.
Top 10 Conditions & Max Claim Amounts
Skin conditions – infections/allergies/other symptoms
$5,811.07
Gastrointestinal tract conditions
$12,652.40
Ear conditions
$11,172.11
Arthritis
$6,930.56
Accident – tissue damage or fracture
$14,957.15
Mass Lesion
$16,168.56
Skin lumps & bumps
$4,777.40
Eye conditions
$6,594.66
Neoplasia
$15,443.90
Muscle/skeletal conditions
$12,200.00
CATS
Skin conditions – infections/allergies/other symptoms
$2,515.97
Gastrointestinal tract conditions
$8,443.10
Urinary System
$8,443.10
Urinary System Disorder
$5,355.37
Arthritis
$1,145.30
Accident – tissue damage or fracture
$6,860.00
Eye conditions
$5,659,09
Respiratory Tract conditions
$5,867.25
Diabetes
$4,964.51
Heart conditions
$3,655.61
PIA Data Jan-Nov 2023
Note that not all conditions and treatments are covered and pre-existing conditions and general exclusions may apply.
Example Claim Case Study for a Comprehensive Cover policy with $0 excess
Claim example with an 80% benefit percentage and $0 excess selected:
__________________________
Eligible Vet Bill: $1,000
Benefit Percentage (80%): $800
Less Excess: ($0)
__________________________
Total amount claimed: $800
Your out-of-pocket expense: $200
This policy coverage is an example only. Actual prices and coverage will vary. You should consider the Product Disclosure Statement to determine which products are appropriate for you.
What Does Pet Insurance Australia Cover?
When your pet falls sick or is injured, veterinary costs may quickly escalate, leaving pet parents worried about the cost of treatment especially in life-threatening situations. You may be able to help protect your pet from the unexpected with three options to choose from with PIA. It is crucial with all pet insurance policies to read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to understand precisely what each policy will and will not cover to ensure the product is right for you and your family.
PIA has three levels of coverage:
Pet Essentials
(Specified Accidental Injury and Illness Cover) ^
- Submit claims online, via mail, or via GapOnly. GapOnly is available at participating vets.
- This policy covers specified accidental injury and illness, up to an annual benefit limit of $6,000* (there is a $1,000 annual condition limit, which means your policy will not cover more than $1,000 per condition, per policy period)
- The benefit percentage is 90% of eligible vet bills for pets younger than 8 years old, and this percentage reduces to 65% for pets older than 8 years or on the renewal after your pet turns 8 years.
- There is no excess to pay for this policy.
- $500 sub-limit for emergency boarding.
- And more...
Comprehensive Cover
(Specified Accidental Injury and Illness Cover) ^
- Submit claims online, via mail, or via GapOnly. GapOnly is available at participating vets.
- This policy covers specified accidental injury and illness, up to an annual benefit limit of $30,000*.
- The benefit percentage is 80% of eligible vet bills.
- There is an excess of $0 or $100, $200, or $500 per annum for each unrelated condition.
- This policy also covers tick paralysis up to the $1,000 annual sub-limit, and cruciate ligament conditions up to an annual sub-limit of $4,000.
- This policy covers consultations, with a sub-limit of $300 per policy period.
- $1,000 sub-limit for emergency boarding.
- And more...
Major Medical Cover
(Specified Accidental Injury, Illness and Routine Care Cover) ^
- Submit claims online, via mail, or via GapOnly. GapOnly is available at participating vets.
- This policy covers specified accidental injury, illness, and routine care (non-insurance benefit), up to an annual benefit limit of $30,000*.
- The benefit percentage is 80% of eligible vet bills.
- There is an excess of $0 or $100, $200, or $500 per annum for each unrelated condition.
- This policy also covers tick paralysis up to the $3,000 sub-limit, and cruciate ligament conditions up to an annual sub-limit of $5,000.
- This policy covers consultations, with a sub-limit of $500 per policy period.
- $1,200 sub-limit for emergency boarding.
- A Routine Care* benefit of $145 is included for Major Medical policy holders.
- And more...
^Subject to limits, benefit percentage, excess and exclusions
* Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.
>The gap means the difference between the vet’s invoice and the eligible claim benefit under your policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure).
