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Pet insurance decoded: what all those policy terms actually mean
Pet insurance can help cover a portion of eligible vet costs if your fur baby gets sick or hurt unexpectedly. From your...
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Emergency
For those moments when your pet needs urgent care.
Injury
Because accidents can happen to any pet. Choose Best in Show Cover.
Illness
Support for those moments when your furry friend isn’t feeling their best.
Make it Best in Show
Choose pet insurance that suits you and your pet, why not try it now?
Choose your...
1. Annual limit
Create a cover that fits you and your pet purr-fectly.
Annual Limit Information
This is the maximum amount your pet insurance policy will pay out in claim reimbursements across your policy year.
2. Benefit percentage
Get up to 80% back on eligible vet bills.
Benefit Percentage Information
This is the percentage of eligible vet bills that we reimburse after any applicable excess has been applied.
3. Annual excess
Have more control over your out-of-pocket expenses.
*$500 excess is not available with the 70% benefit percentage. $1000 excess is not available with the 70% benefit percentage or $7,500 annual benefit limit.
Annual Excess Information
The excess is the amount you contribute toward eligible vet costs before claim payouts begin.
4. Optional extras
$150
$2,000
**non-insurance benefit
Routine Care
An optional add-on that provides extra cover for things that help keep your pet healthy.
Includes preventative care items like: Desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, puppy pre-school and obedience training, FeLV/FIV and heartworm tests,
flea/tick/worm control, wellness blood screen and nail clippings.
Booster Care
An optional add-on that provides extra cover beyond your annual benefit limit.
Specified dental conditions
Examples include scaling, polishing, x-rays and tooth removal for specified dental conditions.
Specialised therapies
Physiotherapy, acupuncture and consultations for behavioural conditions as recommended by your vet. Booster Care covers some associated procedures, tests and prescriptions.
This is a summary only. Policy terms and conditions, waiting periods, limits and exclusions apply. Read the PDS for more information.
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Award-winning
pet insurance
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Benefits built around them. Chosen by you.
Best in Show Cover
A cover that can fit your pet, not an average one. No sub-limits, no matter what you choose.
Paw back Up to 90%
Get up to 70%, 80%, 90% back on eligible vet bills^. That’s something to bark about.
$0 Excess Options
Choose your annual excess option from $0, $200, $500 and $1,000, depending on your cover*.
24/7 Vet telehealth
Get access to experienced vets through an online chat or video call at no additional cost~.
No sub-limits
No single condition sub-limit. Cruciate, hip, tick paralysis — your annual limit stays your annual limit. No nasty surprises hiding in the fine print.
Save time GapOnly®
At a participating vet, eligible claims are sorted in around five minutes. Just pay the gap< and head home. No forms, no waiting by the letterbox.
Booster Care wellness
Add optional wellness cover of up to $2,000 for specified dental conditions and specialised therapies, the everyday care that keeps them purring and bounding.
Routine Care top-up
Add Routine Care, a non-insurance benefit, for $150 on any level of cover and claw a little back on the predictable bits. Small extra, tidy perk.
myPetPass® perks
Membership has its privileges. Rewards and everyday perks for the four-legged boss who already runs the house>>.
Backed by in-house vets®
Your claim is assessed by real vets and vet nurses, the kind who've wrangled a wobbly kitten or two themselves.
Cover for cats and dogs
Zoomie-mad pups or aloof house cats, we've got cover for whoever rules your roost.
Cover from $7,500 to $35,000
Choose from annual limits of $7,500, $20,000 or $35,000, so you can find the right fit for your budget and your pet.
*$500 excess is not available with the 70% benefit percentage. $1000 excess is not available with the 70% benefit percentage or $7,500 annual benefit limit. ^Policy Terms and Conditions, limits, waiting periods, exclusions and excesses apply.
Woof-tastic Extras
Better wellbeing
with Routine Care
Some pet costs turn up right on schedule. The annual check-up, the vaccinations, the flea and worm treatments you set a phone reminder for. Routine Care (a non-insurance benefit) helps you claw a little back on all of it.
Add Routine Care to your policy and you can claim up to $150 a year towards routine and preventative care — the everyday upkeep that keeps small problems small and your vet seeing your pet regularly.
What's included:
· Desexing
· Vaccinations
· Health checks
· Microchipping
· Heartworm preventative
· Prescription diets
· Puppy pre-school and obedience training
· FeLV/FIV and heartworm tests
· Flea/tick/worm control
· Wellness blood screen
· Nail clippings
Routine Care is a non-insurance benefit, so it works a little differently to the rest of your cover — you claim back up to the $150 yearly limit, and your benefit percentage doesn't apply to these items.
$150 annual limit
Top-shelf wellbeing
with Booster Care
Some treatments sit outside everyday care but still matter. Booster Care (a non-insurance benefit) is an optional add-on that provides extra cover beyond your annual benefit limit.
Add Booster Care (a non-insurance benefit) to your policy and you'll have a $2,000 annual limit for a range of specified dental conditions and specialised therapies*, the kind of care that keeps your pet comfortable, mobile and feeling like themselves.
Specified dental conditions
Examples include scaling, polishing, x-rays and tooth removal for specified dental conditions.
Specialised therapies
Physiotherapy, acupuncture and consultations for behavioural conditions as recommended by your vet. Booster Care covers some associated procedures, tests and prescriptions.
Booster Care is a non-insurance benefit, so it works a little differently to the rest of your cover, you claim back up to the $2,000 annual limit, and your benefit percentage doesn't apply to these items.
$2000 annual limit
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