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Frequently asked questions

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What is pet insurance?

Pet insurance helps provide peace of mind that you’ll be able to protect your pet should they suffer an unexpected illness or injury.

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What is a pre-existing condition?

A pre-existing condition refers to any condition that shows signs or symptoms before your policy started, or during the applicable waiting period, and is therefore not covered under the policy.

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Why aren’t pre-existing conditions covered?

Pet insurance exists to cover the unexpected. If a pet is already suffering from a condition or ailment, it’s no longer unexpected – therefore, won’t be covered under insurance.

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Will my premium increase every year?

Yes, your premium will increase each year. This is for two main reasons.

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Knowledge Hub

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Explore Australia’s latest pet health trends

We look at what makes Australia one of the biggest pet-owning nations in the world, analyse common pet health problems and the costs associated with keeping our beloved pets healthy.

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Australian bushfire emergency response – vulnerable pets

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Consequences and management of canine Brachycephaly in veterinary practice

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Condition profile: Dog Diabetes

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Pet health trends: the rise of specialist services

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Taking care of pet expenses

We explore five different options to help you take care of vet bills.

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Explore pet insurance policies

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Find a pet insurane partner

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See our vet services guide

Claim on the spot with GapOnly™

Innovating the pet insurance claims experience, GapOnly™ reviews and calculates your pet insurance claim while you’re still at the vet. You simply pay the gap and go.

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