Pet insurance

Get a $50 PetCulture e-voucher*

And first 2 months free in year 1¹ when you buy a Pet Insurance policy. Voucher offer ends 31 Jan 2022.

Plus, 5% discount for Australian Unity customers³

Get a quick quote

Get a $50 PetCulture e-voucher

If you take out a pet insurance policy by 31st Jan 2022, you’ll get a $50 PetCulture e-voucher* to spend on your fur baby. Whether you use the voucher for organic food or fancy clothes you’ll know you have something for your pet that really matters with pet insurance through Australian Unity. Plus, you’ll also get the first 2 months free on your first year’s premium.¹

Get a quote

There are a thousand ways to spoil your pet. Designer clothing. Doggy day care. Organic food. We all like to indulge our furry friends by giving them the best in life. But at the end of their day, it’s their health that’s most important. And that’s why pet insurance is a great way to look after their real wellbeing and cover them for the unexpected.

Why choose pet insurance through Australian Unity?

Up to 80% back

Get back up to 80% of eligible vet costs

$0 additional excess

Don’t pay any other excess when you claim

Quick claim

Online claims paid within 5 days²

Australian Unity customer discount

5% policy discount for existing Australian Unity customers³

Access to VetChat

Access to a Vet online or over the phone - valued at $199 a year^ Read more

Claim on the spot

Claim on the spot and only pay the gap with GapOnly^TM

2 months free

Get the first 2 months free on your first year’s premium¹

Explore our pet insurance products

Dog insurance

If your best friend is 6 months or over, we can help keep them protected from life’s mishaps.

Get a quick quote
Find out more

Puppy insurance

Got a brand new pup between 8 weeks & 6 months old? Keep them healthy now and while they grow with puppy cover.

Get a quick quote
Find out more

Cat insurance

For curious and cuddly cats that like to go on an adventure or two, this one’s for you.

Get a quick quote
Find out more

Indoor cat insurance

Inside only furball? We’ve got just the right stuff. (Even for those fraidy cats who hate going to the vet.)

Get a quick quote
Find out more

Optional extras

Routine care

Pet Insurance through Australian Unity is the perfect way to protect your pal against the unexpected. But, as we all know, they aren’t the only costs that come with owning a pet. In order to keep them happy and healthy, regular vet visits are required, but the good news is we can provide a contribution to those too.

For just a little extra, you can add Routine Care to your policy to help cover the following:

$100 annual benefit limit 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 annual benefit limit for any one of the following

Vaccination or health check
Flea/tick/worm control
Blood Screen

Claim on the spot and only pay the gap with GapOnly™

GapOnly™ is a new pet insurance claims service that lets you claim on the spot for eligible claims at participating vets.

It works in partnership with your pet insurance policy to help you access your pet insurance benefit right away on eligible claims at participating Vets. So rather than paying the full Vet invoice upfront and waiting days to be reimbursed, you simply pay the gap (the amount not covered by your policy) on eligible claims and go. It’s fast, convenient and a little less to worry about.

Learn more about claims Find your closest GapOnly^TM vet

Join before 31 Jan 2022 to get a $50 PetCulture e-voucher*. Plus get first 2 months free in year 1¹

Get a quick quote Call 1300 130 935

Frequently asked questions

The reality is that at some time in your cat or dog's life they are likely to need veterinary treatment. And as most pet owners know, vet bills can be expensive, in some cases costing thousands of dollars. Pet Insurance can help provide you with financial assistance and the best care for your pets when they need it most.

Cat & Indoor Cat Cover
Cats can be insured from 8 weeks of age. For our Accidental Injury and Illness Cover and Indoor Cat Cover, your cat must have joined before its 9th birthday. There is no upper age limit for our Accidental Injury Cover option, so any cat older than 8 weeks of age can join.

Dog Cover
Dogs under the Dog Cover plans can be insured from 6 months of age. For our Accidental Injury and Illness Cover, your dog must have joined before its 9th birthday. There is no upper age limit for our Accidental Injury Cover option, so any dog older than 6 months of age can join.

Puppy Cover
Dogs under the Puppy Cover plans can be insured from 8 weeks of age up to 6 months of age. For dogs older than 6 months of age you may take out a policy under the Dog Cover options.

No, but for further information about what we cover, please read the Product Disclosure Statement (PDS).

Your policy will commence at 11:59pm on the day that your proposal is accepted by petinsurance.com.au. On our Cat, Dog and Puppy Cover options, there is no waiting period for specified accidental injuries and you may claim immediately after the policy has started. You may claim for illness conditions that arise 30 days after the commencement date of your first policy period. Note: There is a 6 month waiting period that applies for cruciate ligament injuries and conditions, irrespective of your cover level, which may be waived on application by completing the "Cruciate Ligament Form". For more information on waiting periods, please refer to the Product Disclosure Statement.

On our indoor cat plan, you may claim for specified illness conditions that arise 30 days after the commencement date of your first policy period. Note: there is a 6 month waiting period that applies for cancer. For more information on waiting periods please refer to the Product Disclosure Statement.

For your convenience you can insure multiple pets with us. Each pet can have their own policy with their individual choice of cover. To activate a multi-pet policy, you will need to call into our friendly customer service team on 1300 130 935 who will be happy to organise it for you.

Yes. You can use any vet who is licensed to practice in Australia, other than yourself.

If your pet has had a temporary condition that was subject to the pre-existing condition exclusion, you can apply to have it reviewed.

Your vet will need to certify and provide veterinary records verifying that the condition remains a temporary condition and has not existed, occurred or shown noticeable signs, symptoms or an abnormality for a period of 18 months.

This can also be reviewed when you submit your first claim.

The pre-existing condition exclusion(s) will not be deemed to have been lifted unless agreed to by us in writing. You can download a copy of the Pre-existing Condition Review form.

If your pet has a chronic condition that existed or occurred before the commencement date of the first policy period or during any applicable waiting period, that condition will always be excluded from your policy.

Find out more

At this stage we only offer insurance for dogs and cats.

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:
i. ants;
ii. bees;
iii. flies;
iv. mosquitoes;
v. scorpions;
vi. spiders; and
vii. wasps.
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.

See the relevant Product Disclosure Statement for more information and the definition of Accident.

Illness means a sickness, disease or Specified Illness which:

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

Yes, generally hereditary and congenital defects will be covered provided they have not shown noticeable signs, symptoms or an abnormality at any time before the commencement date of the first policy period or during any applicable waiting period.

There are two cruciate ligaments in the knee. They attach the thigh bone to the shin bone. They allow the knee to flex and extend and they stabilise the joint. It can just be a simple slip on uneven ground that can cause a cruciate rupture. If this happens the joint becomes unstable and as a result there would be intense pain and inflammation would occur. Your vet will be able to diagnose a cruciate rupture, generally by touch, and advise the best treatment, often this means surgery.

A cruciate ligament condition means partial or complete rupture of the cruciate ligament(s). This includes meniscal tears, any looseness of the cruciate ligaments along with any complications following treatment for this condition.

Note: A Cruciate Ligament Condition is considered a single Condition irrespective of whether one or both legs are affected.

If any Condition existed or occurred prior to the commencement date of the first policy period or within any applicable waiting period, and you or your Vet were aware of the Condition, or a reasonable person in your circumstances would have been aware of the Condition, then it may be considered to be a Pre-existing Condition and excluded from Cover. This is the case, irrespective of whether the underlying or causative Condition was diagnosed at the time.

Whether such a Condition is a Pre-existing Condition will depend on its nature and experience. Outside of any applicable waiting period, if your Pet has a Temporary Condition that is considered to be a pre-existing condition (because it occurred or existed prior to the Commencement Date of the First Policy Period, or during any applicable Waiting Period, but that Condition has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim Treatment date), it will no longer be excluded from Cover as a Pre-existing Condition.

Chronic Conditions and several other specified Conditions cannot fall within this category.

Hereditary Conditions and congenital Conditions will also not be considered a Pre-existing Condition if they have not shown noticeable signs, symptoms or an abnormality at any time before the Commencement Date of the First Policy Period or during any applicable Waiting Period.

See your Product Disclosure Statement for more information and examples of pre-existing conditions.

You can apply to have Pre-existing Conditions Reviewed. See the Pre-existing Conditions page for more information.

As with most insurance products, there are certain situations where you will not be covered. There are some general exclusions such as:

Conditions which occurred prior to commencement of your policy or during any applicable waiting period ('pre-existing conditions')
Routine or preventative Treatments
some Elective Treatments and procedures and breeding or obstetrics.

There may also be specific exclusions which may apply to specific levels of Cover.

It is important that you read all of your policy documentation for full details, including the Product Disclosure Statement.

Depending on the plan you choose, you will receive up to 80% of the total cost of eligible treatment for your dog or cat, up to the annual benefit limits and sub-limits. Certain expenses are not covered and there are also exclusions that apply. These are set out in the Product Disclosure Statement (PDS).

There are a few ways to claim but the most common is through the pet portal. When you take out a policy, you will be able to register for petinsurance.com.au’s secure pet portal, where claiming is easy - simply upload a copy of your vet's tax invoice and consultation notes. If it is your first claim you will need to attach a full veterinary history. You can call petinsurance.com.au’s friendly customer service team on 1300 855 663 for claim forms if you do not have access to customer portal.

Find out more

You may pay your premiums either by credit card or direct debit and to make budgeting easy you can choose to pay fortnightly, monthly or annually. If you pay your premium by fortnightly or monthly instalments, you will be charged a collection fee per instalment.

Yes. If your pet requires treatment and you wish to seek pre-approval of those costs, you can provide petinsurance.com.au with the itemised estimate of costs from your vet, along with the treatment required and relevant clinical records and/or veterinary history, and they will respond to you in writing with the outcome.

A pre-approval shall not be deemed to be valid unless petinsurance.com.au have agreed to it in writing. The reimbursed amount may vary from the pre-approval if the Treatment provided by your Vet differs from the Treatment request in the pre-approval.

To request a pre-approval:

Call: 1300 855 663
Email: petinsurance@petsure.com.au

Note: Pre-approvals are not mandatory and are not required in order to make a claim under your policy.

Unless you tell petinsurance.com.au that you do not want your policy renewed, petinsurance.com.au will automatically renew your policy on its expiry. Petinsurance.com.au will send you a notice before your policy expires confirming when your insurance will expire and the terms on which your insurance will automatically renew. It will also remind you that you can opt-out of the automatic renewal process. This way, you don’t have to worry about your pet’s cover lapsing, unless you don’t pay the premiums when they are due.

Yes, once your pet is insured with petinsurance.com.au as long as they continue to provide this product and there is no break, lapse or change in the level of coverage after reaching the age of 9, your pet is covered for eligible vet expenses for life (subject to the applicable terms and conditions of the policy for each renewal period).

You may cancel your policy at any time. We understand circumstances can change and would like to see if we can help keep your cover active. Please call our customer service team on 1300 855 663 or send us an email at petinsurance@petsure.com.au so we can discuss your options.

If you do decide to cancel, we will issue a pro-rata refund for the uninsured period where premiums are paid annually, less any applicable government or statutory charges. If you pay by instalments, we will not deduct any further premiums after the date of cancellation.

All our Petinsurance.com.au policies offer up to 80% back on eligible vet bills with no additional excess.

Australian Unity’s Pet Insurance is offered in partnership with Petinsurance.com.au. Pet insurance policies are issued by The Hollard Insurance Company Pty Ltd (Hollard) ABN 78 090 584 473, AFSL 241436 of Level 12, 465 Victoria Avenue, Chatswood NSW 2067, distributed by Pet Insurance Pty Ltd (ABN 38 607 160 930; AR No 1234944) (PIPL) and PIPL’s authorised distribution partners, including Australian Unity Bank Limited (ABN 30 087 652 079 AFSL No 237994), and administered by PetSure (Australia) Pty Ltd (ABN 95 075 949 923; AFSL 420183) (PetSure).

If you have any concerns about our products or services or wish to dispute the outcome of a decision, we will do our best to work with you to resolve it.

If you have a complaint
We hope that you never have reason to complain, but if you do we will do our best to work with you to resolve it. Petinsurance.com.au’s complaints resolution process has three steps. Please let us know if you require additional assistance to lodge a complaint.

1 – Immediate Response
Usually when you have a concern, it can be resolved immediately on the phone. If petinsurance.com.au can’t immediately resolve your concern they will treat it as a complaint and take steps to resolve your complaint as soon as possible. They will acknowledge your complaint within one business day of receiving it.

Please contact them using one of the following means:
Phone: 1300 10 1234
Writing: Petinsurance.com.au, Customer Service Complaints, Locked Bag 9021 Castle Hill NSW 1765

Please supply your policy number, if applicable, to enable the complaint or enquiry to be dealt with promptly. Your complaint or enquiry will be dealt with by someone with appropriate authority.

2 – Internal Dispute Resolution
If petinsurance.com.au haven’t resolved your complaint to your satisfaction, at your request (refer to contact details provided for ‘1– Immediate Response’), they will escalate your complaint for review by their Internal Dispute Resolution team. All escalated complaints will be acknowledged within one business days of being escalated. The Internal Dispute Resolution team will review your matter and any supporting evidence. After full consideration of the complaint a written final response will be provided that will outline the decision reached and the reasons for the decision.

3 – External Dispute Resolution
In the event that your complaint is not resolved to your satisfaction, or a final written response has not been provided within 30 days, you can refer your complaint to the Australian Financial Complaints Authority (AFCA), provided your complaint is within the scope of the AFCA Rules.

AFCA is an independent dispute resolution service provided free of charge. You may contact AFCA at:
Australian Financial Complaints Authority (AFCA)
Mail: GPO Box 3, Melbourne VIC 3001
Phone: 1800 931 678
Website: www.afca.org.au
Email: info@afca.org.au

At Australian Unity we do our very best to provide you with great service. But we understand that from time to time we may fall short of your expectations. If that’s the case, we want to hear from you. Please contact us.

Tips and useful information on pet insurance

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Call on 1300 130 935

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About us

We’re Australia’s first member-owned wellbeing company.

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Terms, conditions, waiting periods and exclusions apply. Petinsurance.com.au is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) is promoted by PetSure’s Authorised Representative (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 and distributed by Australian Unity Bank Limited ABN 30 087 652 079, AFSL No 237994. 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. PDS and Target Market Determination available here.
If you buy pet insurance Australian Unity will receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any. It’s important that you read the Australian Unity FSG before acting on any advice or taking out insurance through us. You can download the Australian Unity Bank Limited FSG here.

¹ Customers who take out a new policy will receive the equivalent of 2 months free premium in the first year of cover. If your billing cycle is monthly, you will not be charged an instalment for the first 2 months of your policy from the selected policy start date. Please note this offer applies to new policies only and is available for the first year only.

² Once all required claims documentation has been received.

³ This 5% discount is available to customers who hold an existing Australian Unity product or service, including Australian Unity General Insurance, Banking, Private Health Insurance, Independent & Assisted living and tell us they are a customer when they take out a new Australian Unity Pet Insurance policy. Not available in conjunction with any other offer except where clearly expressed or communicated by Australian Unity to constitute or form part of a single offer. This offer can be withdrawn at any time by Australian Unity. Discount is applied for the first year of cover, and each year after that whilst the offer remains available. Australian Unity reserves the right to remove the discount if you cease to hold one of these products.

GapOnly™ is a trademark owned by PetSure (Australia) Pty Ltd.

*$50 PetCulture e-voucher offer

This offer is only available to customers who purchase a new pet insurance policy through Australian Unity between 30^th November 2021 & 31^st January 2022. The customer will receive one $50 PetCulture e-voucher for purchasing a new pet insurance policy. Limit of one e-voucher per policy per customer. Vouchers are issued by Pet Culture Group Pty Limited ABN 69 644 613 098 (“PetCulture”). PetCulture is an online pet supplies store. There is no minimum spend using the voucher. Voucher expires 31^st March 2023. To be eligible, policy must be active for at least 2 months. An eligible policy will be deemed as such when all relevant premiums are paid in full. All vouchers will be delivered by email. Allow 90 business days to receive the e-voucher code after the start date of the new policy. E-voucher cannot be exchanged for cash and no change will be given. Lost or stolen vouchers will not be replaced or refunded. Offer subject to Petinsurance.com.au Pet Insurance policy terms and conditions. This offer can be altered or withdrawn at any time by Australian Unity.

^VetChat Terms and Conditions

Available to customers who get a new pet insurance policy limited to 1 subscription per eligible policy. The Vetchat Services Pty Ltd (VetChat) subscription (valued at $199.95 a year) is a third-party subscription-based service independent from the insurance product and will commence after policy has been in force for 14 days, and will continue for as long as your policy remains active. By taking out a policy you agree to Petinsurance.com.au providing your contact details to VetChat who will contact you to set up your subscription. VetChat subscription will no longer be active if policy is cancelled for any reason. Offer is not redeemable for cash and cannot be used in conjunction with other offers. Petinsurance.com.au can withdraw or extend offer at any time, without notice.

Consultations are subject to VetChat’s General T&Cs and Privacy Policy. By accepting this service, you agree 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.

Get a $50 PetCulture e-voucher*

And first 2 months free in year 1¹ when you buy a Pet Insurance policy. Voucher offer ends 31 Jan 2022.

Plus, 5% discount for Australian Unity customers³

Get a $50 PetCulture e-voucher