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Find your purfect product fit

We take a closer look at the different types of pet insurance policies available to help you find the right fit for your pet.

Waiting periods, pre-existing conditions, condition exclusions and applicable excess will vary by product, so please check with your preferred insurer for more information.

Policy type
Policy description
What is typically covered
What is not covered

Accidents

What’s covered:

Indicative cost:

Lifetime cover:

(as long as there is no break in cover, subject to the terms and conditions at each renewal)

This product provides cover for specified traumatic accidental injuries up to an annual policy limit, which is usually between $8,000 - $15,000.

Most policies will pay a stated Benefit Percentage that is typically 80%.

Some condition sub-limits may also apply, with all annual limits resetting each year when the policy is renewed.

It’s important to know that only defined accidents as listed in the policy’s Product Disclosure Statement will be covered (other accidents and illness conditions will not be covered).

  • Motor vehicle incidents
  • Allergic reactions to an insect or spider bite other than tick or flea bites
  • Bone fractures
  • Snake bites
  • Ligament or tendon injuries
  • Bite wound or fight wound abscesses
  • Abscesses
  • Lacerations and abrasions
  • Ingestion and/or toxicity
  • Pre-existing conditions
  • Illnesses
  • Conditions that are not listed as a coverable accidental injury in the policy’s Product Disclosure Statement

Basic care

What’s covered:

Indicative cost:

Lifetime cover:

(as long as there is no break in cover, subject to the terms and conditions at each renewal)

This product provides more limited cover for both accidental injuries and illness conditions, with a stated Benefit Percentage that can range from 60-90%. Treatments and medications for eligible conditions are typically covered subject to the applicable policy limits.

Claimable conditions have an annual limit, meaning once the condition limit has been reached in an annual policy period, costs relating to that condition will need to solely be covered by the policy holder. However, annual limits and applicable condition sub-limits reset on renewal each year.

  • Common accidental injuries
  • Illness conditions, such as vomiting, skin conditions, ear infections, patella luxations
  • Pre-existing conditions
  • Consultation fees

Just the big stuff (major events)

What’s covered:

Indicative cost:

Lifetime cover:

(as long as there is no break in cover, subject to the terms and conditions at each renewal)

This product provides cover for larger ticket items that can be more expensive to treat, with a stated Benefit Percentage that’s typically 80%.

Cover is limited to a specific list of conditions, each with its own annual limit, listed in the Product Disclosure Statement. Sub-limits for certain items may also apply.

Smaller items like skin conditions or ear infections are not covered.

  • Hip replacements
  • Hernia Diaphragmatic
  • Bladder Stones
  • Elbow Dysplasia
  • Coronial Ulcer
  • Immune mediated blood disease
  • Pre-existing conditions
  • Skin conditions
  • Ear infections
  • Other illnesses not listed in the Product Disclosure Statement.

Indoor cats

What’s covered:

Indicative cost:

Lifetime cover:

(as long as there is no break in cover, subject to the terms and conditions at each renewal)

This product provides cover for a specified list of illnesses, tailored to the needs of indoor cats (who lead a very different lifestyle to cats that can also venture outdoors).

With a stated benefit percentage that’s typically 80%, you can claim up to an annual maximum limit each year, which resets on renewal.

  • Cancer
  • Feline lower urinary tract disease
  • Gastrointestinal problems
  • Ingestion of foreign object
  • Diabetes
  • Hyperthyroidism
  • Heart disease
  • Renal disease
  • Pre-existing conditions
  • Fight wounds
  • Broken bones
  • Accidental injuries
  • Any conditions not specified in the Product Disclosure Statement.

Comprehensive / Accident and Illness

What’s covered:

Indicative cost:

Lifetime cover:

(as long as there is no break in cover, subject to the terms and conditions at each renewal)

This product provides comprehensive cover for both accidental injuries and illness conditions, with a stated Benefit Percentage that will typically range from 70-85%.

You can claim up to an annual maximum limit each year, which resets on renewal. Sub-limits for certain items may also apply.

  • Accidental injury and illness conditions
  • Cancer
  • Gastrointestinal problems
  • Skin conditions
  • Ear infections
  • Pancreatitis
  • Diabetes
  • Pre-existing conditions
  • Breeding related conditions
  • Preventive and elective treatment
  • Accidental injuries
  • Behavioural conditions and training expenses
  • Any conditions as excluded by the Product Disclosure Statement

Comprehensive / Accident and Illness

What’s covered:

Indicative cost:

Lifetime cover:

(as long as there is no break in cover, subject to the terms and conditions at each renewal)

This product provides comprehensive cover for accidental injuries and illness conditions, as well as some benefits for routine and preventive items like de-sexing, vaccinations, microchipping, and prescription diets. The policy’s stated Percentage Benefit that will typically range from 70-85%.

You can claim up to an annual maximum limit each year, which resets on renewal. Sub-limits for certain items may also apply.

  • Accidental injury and illness conditions, plus some stated benefits for routine items like vaccinations, microchipping, de-sexing, and prescription diets
  • Pre-existing conditions
  • Breeding related conditions
  • Behavioural conditions and training expenses
  • Any conditions as excluded by the Product Disclosure Statement

Please note any advice is general only and that this table has only provided information about policies administered by PetSure (Australia) Pty Ltd and issued by The Hollard Insurance Company Pty Limited and is not representative of all policies in the market. You should consider the applicable Product Disclosure Statement before deciding if a product is right for you.

How to speak pet insurance

Here are some of the key phrases you may come across when searching for a new pet insurance policy.

Term
Definition
Accidental Injuries

Accident means physical harm or injury arising from an accident. From a pet insurance perspective, accidents are usually limited to specific scenarios like a motor vehicle incident, a burn or electrocution, an allergic reaction to an insect or spider bite, a bone fracture, a snake bite, a traumatic ligament injury, a bite wound or lacerations. All coverable accidents will always be listed in the policy’s Product Disclosure Statement.

Annual Benefit Limit

Benefit Limit means the total amount payable under your policy for each product selected. This is the annual maximum amount, inclusive of any applicable sub-limits (such as tick paralysis and cruciate ligament conditions) that the insurer will pay within the Policy Period as shown on your Certificate of Insurance.

Annual Condition Limit

Some policies may include an Annual Condition Limit, which outlines the most you can claim on each condition during your Policy Period. These limits reset on renewal each year. The Annual Condition Limit will be shown on your Certificate of Insurance. Refer to the relevant Product Disclosure Statement for further details.

Benefit Percentage

Benefit Percentage means the stated percentage of each claim for eligible vet expenses for which the insurer will reimburse you, subject to any applicable Benefit Limits and Excesses. The applicable Benefit Percentage will be shown on your Certificate of Insurance. For example, for an 80% Benefit Percentage the insurer will reimburse you for up to 80% of the eligible vet expenses, subject to Benefit Limits and Excesses payable.

Consultation Fees

Consultation Fees mean the fee charged for an examination performed by or under the supervision of a Vet, including a physical consultation, in-patient examination, in-hospital examination, health certificate, consultation or re-check consultation/visit, referral/specialist consultation/visits, emergency and after-hours consultations/visits. Annual Sub-limits may apply to consultation fees or they may not be covered. Refer to the relevant Product Disclosure Statement for further details.

Cooling-off Period

Cooling-off Period means the period from your policy start date (usually 21 or 30 days) to make sure you are happy with every aspect of your policy. During this time, you can cancel the policy and get a refund of any monies received, since commencement or renewal (provided you have not made any claims).

Excess

An Excess is a sum that you pay once per condition, per policy period (typically ranging from $50-$200). The excess is deducted from your claim payment, which is calculated using your benefit percentage. For example, on an eligible vet bill of $1,000 with an 80% benefit percentage (amounting to $800) and an excess of $100, your pet insurer pays $700 and you pay $300.

Illness

A sickness or disease which is not an Accidental Injury or related to a Pre-existing Condition.

Lifetime Cover

Lifetime Cover means once your pet is insured, as long as you continue to insure him/her each year without a break in cover, you will be offered a renewal each year for the life of your pet.

Pre-existing conditions

A pre-existing condition refers to any condition or symptoms or signs of that condition that occurred or existed before your policy started, or during the applicable waiting period, and is therefore not covered under the policy. You may apply to have a Pre-existing Condition waived if your vet certifies that your pet has been free from signs or symptoms of that Pre-existing Condition for at least 18 months from the start of your original policy.

Please note that the above definitions may not apply to every type of policy. You should refer to the applicable Product Disclosure Statement for the full list of definitions.

How claims are calculated

A Basic Care Policy example

90% Benefit Percentage with a $1,000 Annual Condition Limit
Total amount of eligible vet expenses
$1,500
Total amount claimable after 90% Benefit Percentage applied
$1,350
Annual Condition Limit
$1,000
Total claim benefit payment
$1,000
Your out of pocket expense
$500
Annual Benefit remaining for the same Condition
$0

A Comprehensive Policy example

80% Benefit Percentage with a $200 Excess option
Total amount of eligible vet expenses
$8,000
Total claimable amount after 80% Benefit Percentage applied
$6,400
Less $200 Excess
($200)
Your out of pocket expense
$1,800

Please note claim examples are indicative only. Exact claim calculations will be determined by the selected pet insurance policy.

Any advice is general only and has not considered your personal circumstances, so may not be right for you. Cover is subject to the policy terms and conditions. You should consider the relevant Product Disclosure Statement or policy wording available from the relevant provider to decide if a product is right for you. Insurance products are issued by The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473; AFSL 241436) and administered by PetSure (Australia) Pty Ltd (ABN 95 075 949 923; AFSL 420183) through our Authorised Representatives and our distribution partners.