Pet insurance can help 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 sub-limit for any one of the following
PLUS $50 annual sub-limit for any one of the following
GapOnly® is a 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.
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
Once a policy is approved, cover commences from the time indicated on your Certificate of Insurance.
The waiting periods that apply are:
For more information on waiting periods, please refer to the Product Disclosure Statement
^Cruciate ligament coverage not available for Bronze Cover for Indoor Cats.
If, after any applicable waiting period, you’d like Petinsurance.com.au to check whether a condition that has been excluded as a pre-existing condition in your policy should continue to be excluded, you can apply to check this using the Pre-existing Condition Review form.
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 (‘temporary condition').
Petinsurance.com.au will let you know in writing whether or not the exclusion still applies.
If your pet has a chronic condition that existed or occurred before the commencement date of your first policy period or during any applicable waiting period, and otherwise falls within the definition of ‘pre-existing condition’, that condition will always be excluded from your policy and will not be lifted.
Once completed, you can email the form back to Petinsurance.com.au and you will be notified of the outcome in writing.
Specified accidental injury means physical harm or injury of at least one of the following:
the specified accidental injury must be one of the following:
Illness – Gold and platinum cover
Illness means a sickness or disease that is not included under specified accidental injury cover nor included under the dental illness benefit.
Specified illness – Silver cover
Specified illness means the following specified illnesses that are a consequence of or result in one of the following:
Specified Condition – Bronze cover
Specified condition means the following specified conditions.
Note: Specified conditions don’t include specified dental conditions. See the definition of specified dental conditions.
A pre-existing condition is:
A pre-existing condition also includes a related condition or bilateral condition of a pre-existing condition.
You can apply to have pre-existing conditions reviewed.
If, after any applicable waiting period, your pet has a pre-existing condition that is a temporary condition which hasn’t existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it won’t be excluded from cover as a pre-existing condition.
As with most insurance products, there are certain situations where you will not be covered. There are some general exclusions such as pre-existing conditions, routine or preventative treatments (unless the non-insurance benefit Routine care is purchased, which provides a contribution up to the routine care limits), some elective treatments and procedures and breeding or obstetrics. There may be more specific exclusions which may apply to specific levels of cover.
For a more detailed list of general exclusions, refer to the applicable Combined Financial Services Guide and Product Disclosure Statement.
When making a claim, you will receive up to 80% of each claim for eligible vet expenses and eligible costs for covered items, subject to the benefit limit, sub-limits and excesses. Certain expenses are not covered. These are set out in the Product Disclosure Statement (PDS).
Routine Care is a non-insurance optional benefit which may be added to your policy. It provides a contribution towards day-to-day routine care expenses for specified items such as vaccinations.
The annual routine care limit is made up of:
-A $50 annual benefit for any one of the following routine care items:
- A $100 annual benefit for any one of the following routine care items:
There are many quick and easy ways to make a claim.
Option 1: Your Vet submits claim on your behalf
Option 2: Submit your claim online
If your vet can’t submit your claim on your behalf, the easiest way to make a claim yourself is through the Pet Portal. To make a claim, you will need the following documentation:
Petinsurance.com.au may also contact you for additional documentation if needed.
Option 3: Send your claim in the mail
If you would prefer to lodge your claim in the mail, please follow these steps:
Step 1: Download a claim form and print it out.
Step 2: Fill in your and your pet’s personal information in Part 1 of the claim form and sign the form.
Step 3: Take the claim form to your Vet, and have him/her complete the applicable sections. Ensure your Vet includes his/her practice details on the attached invoice.
Step 4: Attach detailed itemised invoices, payment receipts and any relevant vet consultation notes to the completed claim form and mail it to us at the address below:
Locked Bag 9021
Castle Hill NSW 1765
In some instances, Petinsurance.com.au may require more information to process your claim. If this is the case Petinsurance.com.au will contact you for this information.
Once Petinsurance.com.au receives your claim form and all relevant documentation, Petinsurance.com.au will process your claim.
You can check out the Pet Portal for a summary of your coverage or refer to your PDS and Certificate of Insurance for all your coverage information.
Pre-approvals aren’t mandatory, but can provide you with additional reassurance, so if you want to know if an upcoming or specific treatment for your pet will be covered, all you need to do is email email@example.com with the following:
Once this information is received, you can expect a response within two business days.
Note: A pre-approval will not be deemed to be valid unless Petinsurance.com.au has 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.
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 firstname.lastname@example.org so we can discuss your options.
If you’ve been paying your premiums annually, Petinsurance.com.au will retain a portion of the premium that relates to the period that you’ve been insured.Petinsurance.com.au will refund you the residual premium for the unexpired period (less any government or statutory charges that apply).
Paying by instalment?
If you’ve been paying your premiums by instalment, there's no premium refund for any remaining days of a current instalment period. No further premium instalments will be deducted.
When you sign up for a Petinsurance.com.au policy, you’ll get access to a complimentary VetChat consult membership. This service is available to all new and existing policyholders.
VetChat connects you with trusted, supportive Australian vets via chat or video call online, within minutes, anytime, anywhere.
Consultations 24 hours a day, every day, within minutes – so you can get help with you need it and have peace of mind.
Once your policy is active, or your policy renews, you will receive an email from VetChat instructing you how to register.
Please note, VetChat is a non-insurance product that is separate from your pet insurance policy and is separately provided by VetChat Services Pty Ltd. Click for more information and T&Cs.^
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 Representative (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and Australian Unity Bank Limited ABN 30 087 652 079, AFSL 237994 (AUBL). 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 AR, PIPL and AUBL. 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. It’s important that you read Australian Unity’s FSG before acting on any advice or taking out insurance through us. You can download the Australian Unity Bank FSG here.
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.
>The gap is the difference between the vet’s invoice and the eligible claim benefit under your pet insurance policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. GapOnly® is available on eligible claims at participating vets with a pet insurance policy from a GapOnly® pet insurance partner. Please visit GapOnly® to search for GapOnly® enabled vets.
^VetChat promotion Terms and Conditions
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 the notice. Policy Terms and Conditions, limits, waiting periods, exclusions and excesses apply.
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 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 from the use of the services offered by VetChat.
*Policy Terms and Conditions, limits, waiting periods, exclusions and excesses apply.