Peace of mind knowing your four legged friends are protected

Home / Pet Insurance / Why Pet Insurance

Why Pet Insurance?

Because vet bills can be expensive. But your pet is priceless.

Nine out of ten Australians say they think of their dog or cat as part of their family.1 So it makes sense that you want to give them the proper care when they are sick or injured. But unlike when the human members of your family fall ill, your pet doesn’t have Medicare to help you cover the cost.

While breakthroughs in vet science mean your pet can enjoy a higher quality of life than ever before, this comes at a price, with even simple procedures costing hundreds or thousands of dollars.

That’s where Pet Insurance comes in, helping cut the cost of veterinary care by up to 80%. And with tailored cover to suit your budget, you know you’ll be able to take care of unexpected vet costs – and your pet will always get the care they deserve.

Take care of vet bills

Australian pet owners spend a massive $1.5 billion on vet care for their dogs and cats.1 And despite dog owners spending around twice as much on their furry companions as cat owners, only one in five have pet insurance to help cover the costs.1

With pet insurance, you can help make sure your beloved dog or cat gets the best possible care when they need it – without worrying about how to afford the bill.

How it works

Depending on the level of cover you choose, we’ll reimburse up to 80% of eligible vet bills when your pet receives treatment from a licensed, registered vet in Australia. Simply keep a copy of the paperwork and claim within 90 days of paying your vet bill – with no excess to pay.

Enjoy 30 days obligation-free

With Seniors Pet Insurance, you’ll have a 30 day no-obligation period to review your insurance after your policy starts. If you don’t make a claim during these 30 days, and decide you want to cancel your policy with us, we’ll gladly give you a full refund of any premiums you’ve paid. If you choose to cancel after this 30 day period ends, you won’t receive a refund for your premiums.

Choose when you pay your premiums

When you take out your policy with us, you can choose whether you would like to pay your premiums every fortnight, month or year. The cost will be the same, no matter how you choose to pay.

What is covered?

  • Accidental injury. For all Seniors Pet Insurance policies, you’ll be covered for most of the costs of treating your pet’s injuries – from burns, car accidents, or snake bites – up to $12,000 a year.
  • Illness. With our Top and Essential Accident & Illness Cover, you’ll also get cover for the cost of treating a range of diseases, excluding pre-existing conditions and certain specified illnesses – up to $12,000 a year.
  • Tick paralysis. With our Top and Essential Accident & Illness Cover levels, your pet is covered if they need treatment for paralysis tick bite.
  • Added benefits. On top of our standard cover, you’ll get extra benefits like emergency boarding, overseas cover and essential euthanasia – at no added cost.
  • Everyday care. From vaccinations to teeth cleaning, you can take care of your pet’s daily needs when you add Routine Care Benefit to your Top Accident & Illness policy.

What isn’t covered?

We want to keep your premiums affordable – but this means we can’t include everything. So there are some things we don’t provide cover for, including but not limited to:

  • Pre-existing conditions that your pet showed clinical signs of before you took out the insurance or within 30 days of cover commencing, or during any longer waiting period
  • Dental procedures
  • Behavioural problems
  • Optional procedures
  • Food and diet
  • Grooming
  • Pregnancy
  • Pet accessories

For the full list of exclusions, see the Policy Booklet.

Get a quote

To find out how little it can cost 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.

Find out more

If you still have questions, you’ll probably find the answers in our handy list of Frequently Asked Questions. Make sure you also read our Policy Booklet to find out whether this product is right for you.

  1. Pet Ownership in Australia 2013, Animal Health Alliance (Australia)