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First 2 months free
insurance*

  • Get up to 80% back on eligible vet bills
  • Claim up to $30,000 a year
  • Complimentary access to 24/7 VetChat

The right plan for you

We’ve got a range of plans to choose from, for both cats and dogs. Why not check out which plan is best for you?

Silver

$20,000annual benefit limit
  • Cover for pets older than 8 weeks and younger than 15 years
  • Specified accidental injuries and specified illness only
  • Up to 80% reimbursement on eligible vet bills up to $20,000 each year
  • Optional dental illness cover
  • Cruciate ligament conditions: $3,000 per leg per policy period

Gold

$20,000annual benefit limit
  • Cover for pets older than 8 weeks and younger than 9 years
  • Specified accidental injuries and illnesses
  • Up to 80% reimbursement on eligible vet bills up to $20,000 each year.
  • Optional dental illness cover
  • Cruciate ligament conditions: $4,000 per leg per policy period

Platinum

$30,000annual benefit limit
  • Cover for pets older than 8 weeks and younger than 9 years
  • Specified accidental injuries and illnesses
  • Up to 80% reimbursement on eligible vet bills up to $30,000 each year.
  • Dental illness cover
  • Included in benefit: cruiciate ligaments, vet consulations, tick paralysis, hip joint surgery

You can claim on the spot at the vet by making a GapOnly® pet insurance claim. You will only need to pay the gap on eligible claims – helping to reduce unexpected, up-front treatment costs and paperwork.

 

GapOnly® is available at your choice of over 1,000 participating vets around Australia. >

For trusted vet advice and reassurance when you need it, access complimentary 24/7 vet online support by VetChat.^

Get lower cost pet prescription medication when you buy online with PetScripts.

Plus as an insurance policy holder, get an extra 50% discount on PetScripts’ already low prices.

 

All with the convenience of delivery to your door.

Frequently asked questions

What is pet insurance

Pet insurance helps protect your pet should they suffer an unexpected illness or injury. Petinsurance.com.au offers different levels of covers and may reimburse up to 80% of the eligible vet costs of treating unexpected injuries and illnesses, subject to policy terms and conditions.

Does pet insurance cover vaccinations in Australia?

Routine Care is a non-insurance optional benefit which may be added on your policy. It provides a contribution towards day-to-day routine care expenses for items such as vaccinations and deworming.Your Certificate of Insurance will show if you have the Routine Care benefit option, and will also show:

  • the Routine Care items you are eligible to receive benefits for; and
  • your annual Routine Care benefit limits (overall, and for each item)
What is defined as an 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.

Refer to the applicable Product Disclosure Statement for further details.

At what age can I start my pet’s insurance?

Bronze Cover for Indoor Cats – For cats older than 8 weeks and younger than 15 years

Silver Cover – For dogs older than 8 weeks and younger than 15 years

Gold Cover – For cats and dogs older than 8 weeks and younger than 9 years

Platinum Cover – For cats and dogs older than 8 weeks and younger than 9 years

How much of the vet bill will be covered?

Your policy will reimburse  up to 80% (the benefit percentage), of the eligible vet expenses for your pet, subject to the annual benefit limits, sub-limits and excess listed on your Certificate of Insurance. Refer to the applicable Product Disclosure Statement to see what is covered under your policy.

Can I continue to insure my pet as it gets older?

Cover is available for the life of your pet as long as Petinsurance.com.au continues to provide the product, and you renew your policy each year without any break, lapse or change in in the level of cover. Cover and renewal is subject to the applicable terms and conditions of the policy for each policy period. See details in your Product Disclosure Statement. 

DISCLAIMER
Petinsurance.com.au policies entered into for the first time prior to 7 November 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and Gumtree AU Pty Ltd ABN 33 616 996 840, AR 1304608 (Gumtree). Petinsurance.com.au policies entered into for the first time on or after 7 November 2023 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s ARs, PIPL and Gumtree. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at petinsurance.com.au.

TERMS AND CONDITIONS
* Offer commences on 12:01am AET on 1 April 2024 and ends on 11:59pm AET on 1 April 2025 (Offer Period). Offer provides new customers with two months free in their first policy year only when they purchase a Petinsurance.com.au Pet Insurance Policy through Gumtree AU Pty Ltd (Gumtree) during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first two months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the third month of your policy. For annual payments, the two months free will be deducted from your first policy year premium at the time of purchase. Offer applies to new Petinsurance.com.au Pet Insurance policies purchased through Gumtree, during the Offer Period, online or by phone using promo code GUM2MF. Offer will cease if you change your level of cover. Not available with any other offer except for 10% multi-pet discount for additional pets. Offer subject to the terms and conditions of the Petinsurance.com.au Pet Insurance policy. Eligibility criteria applies for Petinsurance.com.au Pet Insurance and is subject to the Petinsurance.com.au Pet Insurance terms and conditions (refer to the Product Disclosure Statement). Gumtree reserves the right to withdraw, vary or extend this Offer at any time, without notice.

^Offer is available to customers who take out a new pet insurance policy and is limited to one membership per eligible policy. The Vetchat Services Pty Ltd (VetChat) subscription (valued at $199.95) will commence after your policy has been in force for 14 days and will last for 12 months. By taking out a policy during this time you agree to Petinsurance.com.au providing your contact details to VetChat to set up your subscription. You will hear from VetChat to set up your subscription account. VetChat subscription will no longer be active if policy is cancelled for any reason. This offer is not redeemable for cash and cannot be used in conjunction with any other offer. Petinsurance.com.au reserves the right to withdraw or extend this offer at any time, without notice.

VetChat is a third-party subscription-based service independently operated from that of Petinsurance.com.au pet insurance product. Consultations are subject to VetChat’s General Terms and Conditions and Privacy Policies which are available online at www.vetchat.com.au. By accepting this service, you agree that PetSure and or Hollard and or PIPL cannot be held liable for any damage or loss arising from your reliance on the advice derived from the use of the services offered by VetChat.

>GapOnly® is available at participating Vets with an eligible pet insurance policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure).