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My PetPass®
As a petinsurance.com.au customer, unlock extra support
and savings with myPetPass®>>.
At no additional cost, myPetPass®>> gives you access to:
- 24/7 online vet care~
- discounted pet prescription meds
- PLUS savings on pet care essentials, and more!
With new offers being added regularly, myPetPass®>> makes it easier to care for your fur baby.
Sniffing out some FAQs
petinsurance.com.au® is an Australian pet insurance brand for dogs and cats, underwritten and administered by PetSure Australia. It offers comprehensive accident and illness cover — Best in Show Cover — where you choose your own benefit percentage, annual benefit limit, and excess, and no sub-limits apply on any tier, meaning your full annual benefit limit is available for any eligible condition.
Subject to policy terms and conditions.
Subject to policy terms and conditions.
The most significant difference is that there are no sub-limits on any tier of cover — your full annual benefit limit applies to any eligible condition, rather than specific caps restricting certain treatments. Every policy also includes access to >>myPetPass®, petinsurance.com.au®'s wellness rewards programme, and — at participating vets — GapOnly®, which lets you pay only the gap on approved eligible claims.
Subject to policy terms and conditions.
Subject to policy terms and conditions.
Pet insurance generally covers a portion of unexpected vet bills for eligible accidents and illnesses, such as surgeries, hospitalisation, and prescription medications. If your pet swallows something they shouldn't or develops a condition like arthritis, your policy could help with the cost of treatment. Cover is never absolute; it depends on your specific policy terms, limits, and whether the condition is pre-existing.
You can claim back up to 90% of eligible vet costs, depending on the benefit percentage you choose when setting up your policy*. Depending on your plan, you can choose a benefit percentage of 70%, 80%, or 90%. Annual limits are available at $7,500, $20,000, or $35,000, so you can pick the level of cover that suits your pet and your budget.
No — there are no sub-limits on any tier of Best in Show Cover, which means there are no separate caps on treatments for conditions like cruciate ligament surgery or tick paralysis. Your full annual benefit limit applies to any eligible condition. Many other policies do impose sub-limits, so this is an important point to check when comparing.
Subject to policy terms and conditions.
Subject to policy terms and conditions.
GapOnly® is a claiming service that allows your eligible vet bills to be assessed on the spot, so you only pay the difference (the gap) before leaving the clinic. Instead of paying the full amount upfront and waiting for a reimbursement, the insurer's portion is handled directly with the vet. This service is only available at participating vet clinics and on GapOnly®-ready policies, subject to policy terms.
Yes, older pets can still be insured, though most providers set a maximum age for taking out a brand-new policy. Any health issues your pet already has will usually be treated as pre-existing conditions and excluded, subject to policy terms. At petinsurance.com.au®, Best in Show Cover includes cover for both accidental injuries and illnesses as standard at sign-up — check the PDS for age eligibility and waiting periods.
In Australia, pet insurance works on a reimbursement model where you pay the vet upfront and then claim back a percentage of the eligible costs. Once your claim is approved, the insurer pays back your agreed benefit percentage, minus any applicable excess. Reimbursement always depends on your policy's annual limits, excesses, exclusions, and waiting periods.
Pet insurance can provide financial support for unexpected vet bills rather than paying the full cost of eligible treatments out of pocket. It helps cover a portion of eligible expenses when your pet gets sick or injured. Cover always depends on your specific policy terms, limits, excesses, and exclusions, so it won't pay for everything. You should consider the relevant PDS to understand whether a product is right for you and your circumstances.
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