Compare Everyday Pet Insurance

Pick the right level of cover for you and your pet. Use the comparison table below to compare our cover options and see what is and isn't covered, as well as optional benefits.

These product features are effective for policies sold after 17 July 2023.

BenefitsBasic CoverIndoor Cat planStandard CoverComprehensive CoverComprehensive Plus Cover
Cover types
  • Specified accidental injury cover 
  • Illness cover
  • Specified conditions cover7 
  • Optional dental illness benefit

Specified accidental injury cover

Illness cover

Specified accidental injury cover

Illness cover

Optional non-insurance routine care

Specified accidental injury cover

Illness cover

Optional non-insurance routine care

 

Benefits and limits
Annual benefit limit (up to 80% back on eligible Vet bills)1$5,000$15,000$10,000$24,000$30,000
Select an excess (per condition, per policy period)$0 or $200$0$0 or $100$0 or $100$0, $100 or $500
GapOnly®     
Lifetime cover2     
21 day cooling off period     
Consultation fees3 $300 annual limit (House visit consultations included)$300 annual limit$300 annual limit$300 annual limit
Laboratory and diagnostic tests3     
Radiology3     
Medicines and drugs3     
Hospitalisation3     
Surgery3     
Cruciate ligament conditions$2,000 per leg, per policy period $3,000 per leg, per policy period$4,000 per leg, per policy period$5,000 per leg, per policy period
Hip Joint Surgery 
(Total Hip Replacements are included)
$2,000 per hip, per policy period $4,000 per hip, per policy period$6,000 per hip, per policy period$8,000 per hip, per policy period
Emergency boarding fees$500$500$1,000$1,200$1,500
Waiting period
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
  • 30 days for all specified conditions
  • 6 months for specified dental conditions (if dental illness benefit is selected)
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
  • There is no waiting period for specified accidental injuries
  • 30 days for illness cover
  • 6 months for cruciate ligament conditions4
Pre-existing conditions     
Some conditions are eligible for review after an 18-month period – this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing condition page for more information.
Specified accidental injury cover
Motor vehicle incidents     
Burns or electrocution     
A reaction to a bite from an insect, spider or scorpion     
Bone fracture     
Snake bite toxicity     
Traumatic ligament or tendon injuries (other than Cruciate Ligament Conditions)     
Bite wounds or fight wound abscesses     
Lacerations or abrasion of tissue, skin or mucous membrane due to external trauma     
Illness cover or specific conditions cover (Indoor Cat plan only)5
(examples of conditions covered)
Poisoning     
Cancer treatments     
Skin conditions     
Outer and Inner Ear Infections     
Gastrointestinal problems     
Ingestion of a foreign object     
Diabetes     
Hyperthyroidism     
Heart Disease     
Arthritis     
Renal Disease     
Feline lower urinary tract disease (coverage for Cats only)     
Paralysis tick (sub-limit)$1,500 $1,500$2,000$3,000
Intervertebral Disc Disease (IVDD)     
Additional Illness not listed in summary tablePlease read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply Please read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that applyPlease read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that applyPlease read the relevant Product Disclosure Statement (PDS) for full terms, conditions, limits and exclusions that apply

Optional non-insurance routine care (Comprehensive & Comprehensive Plus Cover only)

With routine care you can claim your $50 Annual Benefit on either:

  • Vaccinations
  • Health Checks


Plus another $50 for one of the following treatments:

DesexingMicrochippingPrescription diets
Heartworm preventativeObedience training
(at Recognised Facility)
Dew claw removal
Cremation or burialCouncil registration feesTeeth cleaning
Behavioural therapy6Alternative TherapyDental Illness Treatment

Optional dental illness benefit (Indoor Cat plan only)

With optional dental illness benefit you can claim up to $1,000 Annual Benefit on:

Gingivitis

Abscesses;

Removal of teeth where medically necessary due to:

Dental Disease arising from infection;

Retained deciduous teeth;

Cavities; or

Fractured teeth

 

Please read the Product Disclosure Statement for further information for full terms, conditions and exclusions. Please note a 6 month waiting period applies for specified dental conditions.

What is GapOnly®?

Pet insurance that pays upfront

 

When your pet needs care, GapOnly® can simplify the Pet Insurance claims process. 

With GapOnly®, participating vets can submit the claim and it will be processed in minutes. You claim on the spot and only pay the 'gap' - the gap is the difference between the vet's bill and your insurance benefit - on eligible claims.=

 

This means less out-of-pocket expenses, less waiting, less paperwork, and more time to focus on your pet's recovery.

Dog Image

Found the right cover for your pet?

Important information

 

Exclusions, limits and sub-limits may apply.

2 Cover is available for the life of your pet provided you renew your policy each year without any break, lapse or change in the level of Cover. This means once your pet is insured with us and as long as we continue to offer the product, you will be able to renew your policy for that pet for life provided you continuously maintain the cover. Cover is subject to the terms and conditions of your renewing policy. See details in your PDS.

3  This is an example of treatment which is covered if provided in relation to conditions covered by your policy, subject to policy T&Cs, limits, exclusions, excesses and waiting periods. See PDS for further information.

This 6 month waiting period may be waived if we receive within 14 days of examining your pet, written certification from your vet that they have examined your pet on or after the commencement date of the first policy period and found no signs or evidence of cruciate ligament conditions.

Means a sickness or disease which isn’t included under the specified accidental injury cover and isn’t a pre-existing condition. If you have Indoor Cat plan, you will be only covered for specified conditions listed in your PDS.

By a qualified Animal Behavioural Therapist or Vet.

Under Indoor Cat, you are only covered for the following 11 specified conditions: Poisoning, Ingestion of Foreign Object, Cancer, Feline lower urinary tract disease, Gastrointestinal Problems, Diabetes, Hyperthyroidism, Heart Disease, Outer and inner ear infections, Arthritis and Renal Disease.

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= The gap is defined as the difference between the vet's invoice and the claim benefit under your policy. Policy terms and conditions apply. GapOnly® is only available at participating Vets. Please visit GapOnly® to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, AFSL 420183).