Low cost Puppy Insurance with 3 year fixed premium

  1. 1

    Fixed premium for 3 years - no price hikes

  2. 2

    Exclusive to Petinsurance.com.au

  3. 3

    Protect them from 8 weeks or over

  4. 4

    No excess to pay, fast online claims

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Puppy Insurance

We’re the first to offer pet insurance for puppies, keeping fixed premiums for up to 3 years, even while your puppy grows. We also cover up to 80% of eligible costs at any licensed veterinarian throughout Australia and for a little extra, if you choose to take Routine Care, your pup can be covered for many other day to day health care options.

This table below provides a summary of your cover for new and renewing puppy policies from 01/04/2021. See the PDS/FSG for details of your cover.#

Our pet insurance cover

Accidental Injury
and Illness Cover

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Accidental
Injury Cover

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Entry Age Limit 8 weeks old
to 6 months
8 weeks old
to 6 months
Excess $0 $0
Benefit % 80% 80%
Annual Benefit Limit $10,000 $8,000
Covers Specified
Accidental Injury

Specified Accidental Injury means physical harm or injury arising from an Accident that is a consequence of or results in one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • an allergic reaction to the following insect and arachnid bites;
  • a bone fracture;
  • a snake bite toxicity;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses; or
  • lacerations or abrasion of tissue, skin or mucous membrane due to external violence.

Note: Conditions covered by the accidental injury cover section of the policy are specified in Section 2 of the PDS.

Covers Illness

Illness means a sickness, disease or Specified Illness which:

  • is not included under Specified Accidental Injury Cover;
  • is independent of any Pre-existing Condition.

Note: Refer to PDS for definition of Illnesses or Specified Illnesses depending on your level of Cover.

See list of Specified Illnesses below2
Pre-existing Condition(s)
(certain conditions are eligible for a Pre-existing Conditions review)*
Consultation Limit (annual) $300 $300
Cruciate Ligament Limit (annual) $2,6001 $2,6001
Skin Conditions Limit (annual) $500 Not covered
Tick Paralysis $1,000 $1,500
Emergency Boarding $1,000 $500
Waiting Periods 30 days for Illness
6 months for cruciate ligament condition
0 days for specified accidental injury
30 Days for the following: ingestion of foreign object, tick paralysis, heat stroke, gastric dilatation-volvulus (GDV), Trauma induced respiratory impairment, traumatic spinal disc rupture, torn nail, poisoning, embedded grass seed soft tissue injury and eye Trauma.
6 months for Cruciate Ligament Condition.
0 Days for Specified Accidental Injury.
Age Limit8 weeks old
to 6 months
Excess$0
Benefit %80%
Annual Limit$10,000
Covers Accidental Injury

Specified Accidental Injury means physical harm or injury arising from an Accident that is a consequence of or results in one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • an allergic reaction to the following insect and arachnid bites;
  • a bone fracture;
  • a snake bite toxicity;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses; or
  • lacerations or abrasion of tissue, skin or mucous membrane due to external violence.

Note: Conditions covered by the accidental injury cover section of the policy are specified in Section 2 of the PDS.

Covers Illness

Illness means a sickness, disease or Specified Illness which:

  • is not included under Specified Accidental Injury Cover;
  • is independent of any Pre-existing Condition.

Note: Refer to PDS for definition of Illnesses or Specified Illnesses depending on your level of Cover.

Consultation Limit (annual)$300
Cruciate Ligament Limit (annual)$2,6001
Skin Limit (annual)$500
Tick Paralysis$1,000
Emergency Boarding$1,000
Waiting Periods30 days for Illness
6 months for cruciate ligament condition
0 days for specified accidental injury
Age Limit8 weeks old
to 6 months
Excess$0
Benefit %80%
Annual Limit$8,000
Covers Accidental Injury

Specified Accidental Injury means physical harm or injury arising from an Accident that is a consequence of or results in one of the following:

  • a motor vehicle incident;
  • a burn or electrocution;
  • an allergic reaction to the following insect and arachnid bites;
  • a bone fracture;
  • a snake bite toxicity;
  • a traumatic ligament or tendon injury;
  • a bite wound or fight wound abscesses; or
  • lacerations or abrasion of tissue, skin or mucous membrane due to external violence.

Note: Conditions covered by the accidental injury cover section of the policy are specified in Section 2 of the PDS.

Covers Illness

Illness means a sickness, disease or Specified Illness which:

  • is not included under Specified Accidental Injury Cover;
  • is independent of any Pre-existing Condition.

Note: Refer to PDS for definition of Illnesses or Specified Illnesses depending on your level of Cover.

Consultation Limit (annual)$300
Cruciate Ligament Limit (annual)$2,6001
Skin Limit (annual)Not covered
Tick Paralysis$1,500
Emergency Boarding$500
Waiting Periods30 Days for the following: ingestion of foreign object, tick paralysis, heat stroke, gastric dilatation-volvulus (GDV), Trauma induced respiratory impairment, traumatic spinal disc rupture, torn nail, poisoning, embedded grass seed soft tissue injury and eye Trauma.
6 months for Cruciate Ligament Condition.
0 Days for Specified Accidental Injury.

Optional Routine Care

Feel like the puppy that got the toy, just add a little extra and help cover your pet's routine expenses

$100 Benefit for any one of the following
  • Desexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Prescription diets
  • Cremation or burial
  • Dental illness treatment
  • Council registration fees
  • Obedience training
  • Behavioural therapy
  • Alternative therapies
PLUS $50 for any one of the following
  • Vaccination or health check
  • Flea/tick/worm control
  • Blood Screen

1. In some instances, you may be entitled to a higher annual limit for this Condition, if so, this will be printed on your Certificate of Insurance.

2. See list of specified illnesses:
Ingestion of foreign object, Poisoning, Gastric dilation volvulus (GDV), Tick paralysis, Heatstroke, Trauma induced respiratory impairment, Traumatic spinal disc rupture, Embedded grass seed, Soft tissue injury, Eye trauma, Torn nail.


* Some conditions are eligible for review after an 18 month period - this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing Conditions page for more details.

Did you know?

We're the first and only insurer to offer specialised Puppy Insurance.

Find Out How

#Download PDS

View Snapshot PDS

If you are an existing policy holder and would like a copy of your PDS please go to our PDS archive section on this website.

Bridget for Bentley

I took out pet insurance online from 11:59pm on the day before I collected Bentley. I had a 3 hour drive home and didn't want to take any chances. Since then I've submitted a couple of claims for his vaccination and desexing, and the claims process is a breeze. I have Bentley's details set up in the Portal and I just log in, upload a photo of the vet's invoice, and submit the claim. I receive a text message within a few hours, confirming that the claim has been received and the next thing I know the payment goes directly into my bank account. It really is easy!!

Chloe for Uno

Before choosing to insure with Petinsurance.com.au, I did a lot of research with other companies and found myself comparing policies to ensure I got the best cover possible for Uno and at a reasonable price.
Over the course of the past four months, I have had to make a claim twice due to an unfortunate and very serious illness Uno had, and was so relieved at how simple the claim process is and had no issues receiving my reimbursement. I am very pleased with this company and would recommend it to anyone looking for pet insurance!

Julie for Rio

Animals are everything good and pure, unconditional love and unspoiled affection. Owning a pet is a privilege and obligation. Loving your pet means looking after them and pet insurance is a great way to be a responsible pet owner.

Jamie-Lee for Avery

I love my dog Avery, and his health is paramount to me. I like knowing my happy go lucky boy is covered for any accidents he may have.

Tina for Jasper Lloyd

Making a claim for my Jasper Lloyd through PetInsurance.com.au could not have been easier. Vet visit, paid the bill, scanned the forms and away we were! I kid you not - that simple! Even Jasper Lloyd was laughing at how quick the process was… as you can see!! Both of us are delighted with the company :)

Annette for Tilly

Annette for Tilly

I was always planning to get Tilly insured, but hadn’t got around to getting cover. I came across a Petinsurance.com.au ad on a flight to Melbourne and got a quote on my mobile while I waited for a cab. It was cheaper than I thought. So I applied and got her covered. It was so easy, and I earn Velocity Points too!

Naomi for Eric and Jenny

Naomi for Eric & Jenny

I live near the national park, so I always make sure the dogs have cover, but I didn’t really want to pay for Eric and Jenny as they never leave the house. I saw an ad on Facebook talking about Indoor Cat Insurance and got a quote to see how much I would be up for, I was surprised at how cheap it was, so all four of my fur babies have insurance now.

Jessica for Yeezy

I had to travel overseas and I had only just brought home my new Labradoodle puppy (Yeezy). I woke up in the middle of the night on my trip feeling worried that something would happen to him. I compared a few pet insurers and found Petinsurance.com.au had Puppy Cover. I applied for cover and received the paperwork within minutes. It was such a relief.

Michael for Cougar

Michael for Cougar

I wanted to make sure Cougar could run around and continue doing what he loves without having to worry about any associated vet bills. He’s getting older, so I want to be able to give him the best care if anything happens. I was referred to Petinsurance.com.au by a friend. It was quick and easy to apply online and I was very happy with the price.