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.

2
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 -
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: Cancer Treatments, skin conditions, eye-ear conditions, ingestion of a foreign object, gastrointestinal problems, hereditary and congenital conditions (excluding pre-existing conditions), tick paralysis, intervertebral disc disease (IVDD), poisoning;
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)-
Tick Paralysis$1,500
Emergency Boarding$500
Waiting Periods30 Days for the following: Cancer Treatments, skin conditions, eye-ear conditions, ingestion of a foreign object, gastrointestinal problems, hereditary and congenital conditions (excluding pre-existing conditions), tick paralysis, intervertebral disc disease (IVDD), poisoning;
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, Ingestion of poisonous substance resulting in toxicity treatment, Gastric dilation volvulus (GDV), Tick paralysis, Heatstroke, Trauma induced respiratory impairment, Traumatic spinal disc rupture, Embedded grass seed, Soft tissue injury, Eye trauma.


* 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.