Petinsurance.com.au

Petinsurance.com.au, dog and cat insurance in Australia

Petinsurance.com.au is an Australian pet insurance brand for dogs and cats, underwritten and administered by PetSure Australia. Its main product, Best in Show Cover, covers accidents and illnesses and allows the policyholder to choose the reimbursement percentage, the annual benefit limit, and the excess. The company presents itself as the first to offer puppy insurance and exclusive cover for indoor cats.

Configurable cover with no sub-limits

The Best in Show Cover policy is structured around three parameters that the customer selects when taking out the policy:

• Reimbursement percentage: 70%, 80%, or 90% of eligible vet expenses.
• Annual benefit limit: AUD 7,500, 20,000, or 35,000.
• Annual excess: AUD 0, 200, 500, or 1,000, depending on the cover. The company states that the $500 excess is not available with the 70% reimbursement percentage, and that the $1,000 excess is not available with either the 70% or the $7,500 annual limit.

One feature the company highlights compared to other providers is the absence of condition sub-limits on all tiers: the full annual limit is available for any eligible condition, with no specific caps for particular treatments such as cruciate ligaments, hips, or tick paralysis.

GapOnly and claims management

At participating vets, the GapOnly system allows an eligible claim to be assessed in around five minutes at the counter. The policyholder pays only the difference (the gap) and takes the pet home, with no forms or waiting for the post. The company notes that claims are assessed by its own vets and vet nurses.

Complementary services and policyholder benefits

The policy includes access to online vet consultations 24 hours a day, via chat or video call, at no additional cost. Optional add-ons include Booster Care, wellness cover of up to $2,000 for certain dental conditions and specialised therapies, and Routine Care, a non-insurance benefit of $150 that can be added to any level of cover. Policyholders also get access to myPetPass, a rewards and benefits programme for policyholders.

Vet cost calculator

The site includes a calculator that estimates the cost of common treatments based on PetSure claims data. Examples for cats include digestive illnesses, urinary tract diseases, fractures, foreign-body ingestion, snake bites, tick paralysis, and skin allergies. For dogs, it includes digestive illnesses, fractures, heat stroke, cruciate ligament injuries, tick paralysis, and skin allergies. The tool shows the average treatment cost and the portion covered according to the chosen reimbursement percentage.

Promotion current at the time of analysis

The site indicated an offer of one free month of pet insurance for new customers, with applicable terms and conditions and an end date of 1 December 2026.