Pet Insurance - Get A Free Quote Online | Petinsurance.com.au Australia

Benefits built around them. Chosen by you.

Best in Show Cover

A cover that can fit your pet, not an average one. No sub-limits, no matter what you choose.

Paw back Up to 90%

Get up to 70%, 80%, 90% back on eligible vet bills^. That’s something to bark about.

$0 Excess Options

Choose your annual excess option from $0, $200, $500 and $1,000, depending on your cover*.

24/7 Vet telehealth

Get access to experienced vets through an online chat or video call at no additional cost~.

No sub-limits

No single condition sub-limit. Cruciate, hip, tick paralysis — your annual limit stays your annual limit. No nasty surprises hiding in the fine print.

Save time GapOnly®

At a participating vet, eligible claims are sorted in around five minutes. Just pay the gap< and head home. No forms, no waiting by the letterbox.

Booster Care wellness

Add optional wellness cover of up to $2,000 for specified dental conditions and specialised therapies, the everyday care that keeps them purring and bounding.

Routine Care top-up

Add Routine Care, a non-insurance benefit, for $150 on any level of cover and claw a little back on the predictable bits. Small extra, tidy perk.

myPetPass® perks

Membership has its privileges. Rewards and everyday perks for the four-legged boss who already runs the house>>.

Backed by in-house vets®

Your claim is assessed by real vets and vet nurses, the kind who've wrangled a wobbly kitten or two themselves.

Cover for cats and dogs

Zoomie-mad pups or aloof house cats, we've got cover for whoever rules your roost.

Cover from $7,500 to $35,000

Choose from annual limits of $7,500, $20,000 or $35,000, so you can find the right fit for your budget and your pet.

*$500 excess is not available with the 70% benefit percentage. $1000 excess is not available with the 70% benefit percentage or $7,500 annual benefit limit. ^Policy Terms and Conditions, limits, waiting periods, exclusions and excesses apply.

What getting them better can actually cost

We built this calculator using real numbers from real vet visits (via PetSure claims data for covered conditions), so you know roughly what's ahead.

Misfortune

Skin allergies
Digestive illness
Fracture
Heat stroke
Cruciate ligament injury
Tick paralysis

Benefit
percentage

Digestive illness

Vomiting, diarrhoea or tummy trouble, often caused by infections, food issues or something they shouldn't have eaten.

Treatment cost

$1,200^*

covers

$840^{^}

$960^{^}

$1,080^{^}

You pay:

$360^{^}

$240^{^}

$120^{^}

+ healthy kitten

Urinary tract disease

Problems with the bladder or urinary system that can make weeing painful, difficult or feel impossible.

Treatment cost

$1,600^*

covers

$1,120^{^}

$1,280^{^}

$1,440^{^}

You pay:

$480^{^}

$320^{^}

$160^{^}

+ healthy kitten

Fracture

A broken bone, usually from a fall, a jump gone wrong or an accident.

Treatment cost

$4,200^*

covers

$2,940^{^}

$3,360^{^}

$3,780^{^}

You pay:

$1,260^{^}

$840^{^}

$420^{^}

+ healthy kitten

Foreign-body ingestion

When a cat swallows something that isn't food like string, a hair tie or a toy part and it gets stuck.

Treatment cost

$2,800^*

covers

$1,960^{^}

$2,240^{^}

$2,520^{^}

You pay:

$840^{^}

$560^{^}

$280^{^}

+ healthy kitten

Snake bite

A bite from a venomous snake. Always an emergency.

Treatment cost

$3,100^*

covers

$2,170^{^}

$2,480^{^}

$2,790^{^}

You pay:

$930^{^}

$620^{^}

$310^{^}

+ healthy kitten

Tick paralysis

A serious reaction to a paralysis tick bite that affects the muscles and breathing. Needs urgent vet care.

Treatment cost

$3,000^*

covers

$2,100^{^}

$2,400^{^}

$2,700^{^}

You pay:

$900^{^}

$600^{^}

$300^{^}

+ healthy kitten

Skin allergies

Itchy, irritated skin that can flare up often triggered by fleas, food or things in the environment like grass and pollen.

Treatment cost

$700^*

covers

$490^{^}

$560^{^}

$630^{^}

You pay:

$210^{^}

$140^{^}

$70^{^}

+ healthy puppy

Digestive illness

Vomiting, diarrhoea or tummy trouble, often caused by infections, food issues or something they shouldn't have eaten.

Treatment cost

$1,000^*

covers

$700^{^}

$800^{^}

$900^{^}

You pay:

$300^{^}

$200^{^}

$100^{^}

+ healthy puppy

Fracture

A broken bone, usually from a fall, collision or rough play.

Treatment cost

$4,500^*

covers

$3,150^{^}

$3,600^{^}

$4,050^{^}

You pay:

$1,350^{^}

$900^{^}

$450^{^}

+ healthy puppy

Heat stroke

When a dog overheats and can't cool down fast enough. This can become life-threatening quickly.

Treatment cost

$3,500^*

covers

$2,450^{^}

$2,800^{^}

$3,150^{^}

You pay:

$1,050^{^}

$700^{^}

$350^{^}

+ healthy puppy

Cruciate ligament injury

Damage to a knee ligament that supports the back leg, this is sometimes from a sudden injury, but often from gradual wear over time. Causes limping or trouble putting weight on the leg.

Treatment cost

$4,000^*

covers

$2,800^{^}

$3,200^{^}

$3,600^{^}

You pay:

$1,200^{^}

$800^{^}

$400^{^}

+ healthy puppy

Tick paralysis

A serious reaction to a paralysis tick bite that affects the muscles and breathing. Needs urgent vet care.

Treatment cost

$3,500^*

covers

$2,450^{^}

$2,800^{^}

$3,150^{^}

You pay:

$1,050^{^}

$700^{^}

$350^{^}

+ healthy puppy

*PetSure claims data July 2025 - June 2026. Average cost for treatment.
^The amounts shown assume either a $0 excess has been selected for the policy, or that the applicable annual excess has already been paid for the policy year. Actual benefits may vary depending on the policy terms, conditions, limits, exclusions and eligibility of the claim. Check your PDS for further information.

What our lovely
customers say

Tina & Jasper Lloyd

Making a claim for my Jasper Lloyd through PetInsurance.com.au could not have been easier. Vet visit, paid the bill, scanned the forms and away we were! I kid you not - that simple! Even Jasper Lloyd was laughing at how quick the process was… as you can see!! Both of us are delighted with the company.

25 July 2016

Chloe & Uno

Before choosing to insure with Petinsurance.com.au, I did a lot of research with other companies and found myself comparing policies to ensure I got the best cover possible for Uno and at a reasonable price. Over the course of the past four months, I have had to make a claim twice due to an unfortunate and very serious illness Uno had, and was so relieved at how simple the claim process is and had no issues receiving my reimbursement. I am very pleased with this company and would recommend it to anyone looking for pet insurance!

25 July 2026

Bridget & Bentley

I took out pet insurance online from 11:59pm on the day before I collected Bentley. I had a 3 hour drive home and didn't want to take any chances. Since then I've submitted a couple of claims for his vaccination and desexing, and the claims process is a breeze. I have Bentley's details set up in the Portal and I just log in, upload a photo of the vet's invoice, and submit the claim. I receive a text message within a few hours, confirming that the claim has been received and the next thing I know the payment goes directly into my bank account. It really is easy!!

01 August 2016

Testimonials and customer experience may vary depending on individual circumstances. Claims are assessed subject to policy terms and conditions.

Best in Show Cover

Get 1 month FREE^# when you sign up

Offer ends 1 December 2026

Get a quote

For the 2am worries

and the good days too

24/7 Live Vet through My Portal, chat or video call a real Aussie vet any hour, at no extra cost.

Get a quote

MyPetPass^®

Rewards, discounts and perks for policyholders. Small savings that add up over years of treats and toys.

Get a quote

Sniffing out some FAQs

Who is petinsurance.com.au®?

What makes petinsurance.com.au® different from other pet insurance providers?

What types of vet bills does pet insurance generally cover?

How much of my vet bills can I claim back with petinsurance.com.au®?

Does petinsurance.com.au® have sub-limits on specific conditions?

What is GapOnly® and how does it change paying at the vet?

Can I get pet insurance for an older dog or senior cat?

How exactly does pet insurance work in Australia?

Could getting pet insurance be worth it?

Only you know what makes them, them.Now your cover can too.

No two pets are the same.So choose cover your way.

Benefits built around them. Chosen by you.

Best in Show Cover

Paw back Up to 90%

$0 Excess Options

24/7 Vet telehealth

No sub-limits

Save time GapOnly®

Booster Care wellness

Routine Care top-up

myPetPass® perks

Backed by in-house vets®

Cover for cats and dogs

Cover from $7,500 to $35,000

GapOnly®, pay the gap and take them home

What getting them better can actually cost

Misfortune

Benefit percentage

Digestive illness

$1,200*

$840^

$960^

$1,080^

$360^

$240^

$120^

Urinary tract disease

$1,600*

$1,120^

$1,280^

$1,440^

$480^

$320^

$160^

Fracture

$4,200*

$2,940^

$3,360^

$3,780^

$1,260^

$840^

$420^

Foreign-body ingestion

$2,800*

$1,960^

$2,240^

$2,520^

$840^

$560^

$280^

Snake bite

$3,100*

$2,170^

$2,480^

$2,790^

$930^

$620^

$310^

Tick paralysis

$3,000*

$2,100^

$2,400^

$2,700^

$900^

$600^

$300^

Skin allergies

$700*

$490^

$560^

$630^

$210^

$140^

$70^

Digestive illness

$1,000*

$700^

$800^

$900^

Only you know what makes them, them.
Now your cover can too.

No two pets are the same.
So choose cover your way.

GapOnly^®, pay the gap and take them home

What getting them better can actually cost

Benefit
percentage

$1,200^*

$840^{^}

$960^{^}

$1,080^{^}

$360^{^}

$240^{^}

$120^{^}

$1,600^*

$1,120^{^}

$1,280^{^}

$1,440^{^}

$480^{^}

$320^{^}

$160^{^}

$4,200^*

$2,940^{^}

$3,360^{^}

$3,780^{^}

$1,260^{^}

$840^{^}

$420^{^}

$2,800^*

$1,960^{^}

$2,240^{^}

$2,520^{^}

$840^{^}

$560^{^}

$280^{^}

$3,100^*

$2,170^{^}

$2,480^{^}

$2,790^{^}

$930^{^}

$620^{^}

$310^{^}

$3,000^*

$2,100^{^}

$2,400^{^}

$2,700^{^}

$900^{^}

$600^{^}

$300^{^}

$700^*

$490^{^}

$560^{^}

$630^{^}

$210^{^}

$140^{^}

$70^{^}

$1,000^*

$700^{^}

$800^{^}

$900^{^}

$300^{^}

$200^{^}

$100^{^}

$4,500^*

$3,150^{^}

$3,600^{^}

$4,050^{^}

$1,350^{^}

$900^{^}

$450^{^}

$3,500^*

$2,450^{^}

$2,800^{^}

$3,150^{^}

$1,050^{^}

$700^{^}

$350^{^}

$4,000^*

$2,800^{^}

$3,200^{^}

$3,600^{^}

$1,200^{^}