Peace of mind knowing your pet is covered for essential care when they are sick or injured

Your pet gives you comfort when you’re unwell, so you want to make sure you can do the same for them. With our Essential Accident & Illness Cover, you’re covered for up to 75% of your pet’s veterinary bills – so you can give them the care they need.

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As a valued Australian Seniors customer, when you take out Seniors Pet Insurance, you’ll receive ongoing complimentary digital issues of DARE magazine, sent straight to your email inbox. Learn more and view the applicable T&Cs.

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Everything you need to know about pet insurance

What's covered?

Up to $12,000 a year in eligible veterinary costs – from any registered vet in Australia.

Up to 75% of the cost of treating injuries caused by accidents – including burns, snake bites, allergic reactions to insect bites (except ticks and fleas) and car accidents.

Up to 75% of the cost of treating a range of diseases, excluding pre-existing conditions1.

Extra benefits, including overseas cover for your pet while travelling, tick paralysis treatment, emergency boarding and necessary euthanasia.

Lifelong cover for your pet when you insure them from 8 weeks old and younger than 9 years old as long as there are no gaps or breaks in cover2.

0 day waiting period for specified accidental injuries, and illness cover after 30 days.

What’s not covered?

Certain pre-existing conditions

Dental procedures

Behavioural problems

Elective treatments and procedures

Food and diets



Pet accessories

For full details about your policy and a list of all exclusions, please refer to the relevant Policy Booklet.

Why Australian Seniors

You and your family need insurance that delivers real value. With Australian Seniors, you get just that and more. 

Peace of mind

Enjoy the confidence of knowing that your policy is backed by world-leading underwriters.

Award-winning insurance

We’ve got years of experience, helping you to protect your family and assets with award-winning products and award-winning service.

Dedicated to seniors

We believe insurance should meet your needs, not someone else’s. That’s why we focus on providing the best possible cover for Australians over 50.

Backed by experience

We’ve been doing what we love for years, just like you. Put yourself in good hands with Australian Seniors.

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Everything you need to know about pet insurance

Pet Insurance Frequently Asked Questions

How old does my pet have to be for insurance?

You can cover your dog or cat as soon as they are eight weeks old. Please note that a maximum age limit also applies to our policies. For our Top or Essential Cover, your pet must be under nine years old to apply. For our Basic Accident & Illness Cover, your pet must be under 16 years old to apply.

Will my pet be covered when it gets older?

Yes. Once you have insurance for your pet, you can keep renewing your policy with us for the rest of its life – as long as we continue to offer the product, and there isn’t a break in your cover, with cover subject to the terms and conditions of your renewal policy.

Will I have to pay an excess?

No. There’s no excess to pay – so depending on your level of cover, you may get back up to 80% of all your eligible vet expenses.

Will my pet be covered for hereditary problems?

Hereditary and congenital conditions will eligible for cover if they have not shown noticeable signs, symptoms or an abnormality at any time before the first policy period or during any applicable waiting period.

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  1. If a condition exists or occurs before the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Whether that is the case will depend on the nature and experience of the condition, and some conditions are eligible for review after an 18-month period – refer to your Policy Booklet for more information, terms and conditions.
  2. For as long as we continue to offer the product, provided there’s no breaks in cover, and subject to the terms and conditions of the renewal policy.

Protect your pet today

To find out how little it can cost you to provide quality care and treatment for your pet, talk to our friendly, Australian-based customer service team today. You can get a quote over the phone in minutes – call us on 1300 674 590.