Pet Insurance FAQs

1. How old does my pet have to be for insurance?

You can get insurance for your dog or cat as soon as they are eight weeks old. For Top or Essential Accident & Illness Cover, your pet must be under nine years old to get cover. But for Accident Only Cover, there’s no maximum age for insuring your pet.

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2. 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 there isn’t a break in your cover.

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3. 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.

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4. Will my pet be covered if they’re not vaccinated?

Yes. If you prefer not to vaccinate your pet, you can still get cover with us. But if they become sick with a disease that could have been prevented by vaccination, we won’t cover any of the cost of their treatment.

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5. Will my pet be covered for hereditary problems?

Yes. We’ll cover treatments for hereditary or congenital problems, as long as your pet doesn’t already have symptoms when you take out your policy.

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6. Will my pet be covered for ongoing conditions?

Yes. We’re happy to keep covering your pet for chronic or recurring conditions (excluding pre-existing conditions) throughout their lives – as long as you renew your policy every year without a break in your cover.

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7. Can I keep visiting the vet I already use?

Yes. With our insurance, you can choose to visit any vet you like, as long as they are licensed and registered to practise in Australia.

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8. How do I pay my premiums?

Paying your premiums is easy, by credit card or direct debit from your bank account. You can also set the frequency of your premium payments to suit you, whether fortnightly, monthly or annually.

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9. I need to make a claim. What do I do?

We have a fast and simple claims process – but make sure you claim within 90 days of a treatment to avoid a late fee. See How to Make a Claim on Your Cover to get started.

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10. How much of the cost will be covered by my policy?

We’ll cover up to 80% of your vet bill (up to your annual limit) with Top Accident & Illness Cover, or 75% with Essential Accident & Illness Cover. Not all conditions and treatments are covered, however, so check our Policy Booklet for more information.

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11. I have more than one pet. Can I get insurance for them all?

Of course! You can take out a single insurance policy that covers all of your dogs and cats, but you’ll still need to pay a separate premium for each one.

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12. Is there anything that isn’t covered?

We’ve done our best to cover most conditions. But to keep premiums low, we’ve had to exclude a few things – like pregnancy, grooming, behavioural problems and elective procedures. We also exclude any pre-existing conditions you knew about before you took out your policy or that became evident during any waiting period under the policy.

Check our Policy Booklet to find out what’s not covered.

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13. When will my policy start?

Your policy will begin at 11.59pm on the day we accept your application.

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14. When can I claim?

You can claim for an accident as soon as your policy begins. You can claim for illnesses where symptoms appear 30 days after the start of your policy.

For cruciate ligament claims only, there is a six month waiting period – unless we receive a letter from your vet within 14 days of the cruciate examination date certifying that your Pet has been examined, at your expense, on or after the policy Commencement Date.

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15. Why should I get pet insurance?

Thanks to modern vet science, your pet can enjoy a higher standard of care than ever before – but treatments can be expensive, and may cost you hundreds or even thousands of dollars. If your pet is sick or injured, the last thing you want is to have to worry about vet bills or make the difficult decision not to go ahead with a procedure because of the cost. Pet insurance gives you peace of mind knowing your furry companion will always get the care they need, when they need it.

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16. What if I want to cancel my policy?

After you take out insurance with us, you’ll have 30 days to review and cancel your policy. As long as you haven’t submitted any claims, we’ll be happy to give you a full refund for your premium if you cancel during this cooling-off period. If you cancel after 30 days, you won’t receive a refund for any premiums you’ve paid.

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17. Which pets are eligible?

Our Top and Essential Accident & Illness Cover is available to any cat or dog that is between the age of eight weeks and nine years old when you apply for your policy. Once your pet is insured, you can continue to cover them for the rest of their life just by renewing your policy with us. For Accident Only Cover your pet must be eight weeks old to get cover, but there is no upper age limit.

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18. What if I have another question?

Ask us! Simply email at service@seniors.com.au or call 1300 674 590.

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