Because all pets are different, each pet will need to have their own policy which is personalised to them.

Once you've covered your other pet, make sure you add their policy to MyPet Portal via My Insurance Portal, so you can manage all your pet's policies in one place. 

There are different ways you can submit a Pet Insurance claim:

1. Make a claim through your Vet

If your Vet Clinic is a participating GapOnly® Clinic, then your Vet can submit a claim on your behalf, on the spot while you are at the Vet.

Alternatively, your Vet may be able to submit an electronic pet insurance claim on your behalf (sometimes referred to as an eClaim). We will still communicate with you regarding the status of your claim and you will still need to pay for the Vet expenses upfront. For more information about how claims are handled, please refer to the Claims section of your Product Disclosure Statement.

2. Make a claim online

You can also claim online through your MyPet Portal via My Insurance Portal.

To make a claim, through MyPet Portal, you will need the following documentation:

Itemised invoice (a paid invoice that includes individual treatment items and costs adding up to the total amount paid); and Vet consultation notes, if you have them (these are the veterinarian's medical notes from examinations findings).

We may also contact you for additional documentation if needed.

Not registered for My Insurance Portal? Register now.

3. Make a paper claim

If you prefer to submit your claims through the post please follow the 3 steps below:

• Fill in Pet Insurance Claim Form with your pet’s personal information and sign.
• Take the Claim Form to your vet and ask your vet to complete in full Part 2 and sign the form.
• Attach the original detailed itemised invoices, payment receipts and any relevant vet consultation notes to the completed claim form. Please do not staple documents. Ensure your vet includes their practice details on the original invoice.

Then mail your completed Claim Form to:

Everyday Pet Insurance
Locked bag 9021
Castle Hill, NSW, 1765

Contact us on 1300 10 1234 during our operating hours for more information.

In some instances we may require more information to process your claim such as medical history or pathology/laboratory results. We'll contact you or your vet(s) if required.

Depending on the age and type of pet you have, Everyday Pet Insurance has different levels of cover to suit your needs.

If your dog is between 8 weeks of age and up to 9 years of age, you can select from:

• Basic;
• Standard;
• Comprehensive; and
• Comprehensive Plus
   

If your cat is between 8 weeks of age and up to 9 years of age, you are able to select from:

• Indoor Cat;
• Basic;
• Standard;
• Comprehensive; and
• Comprehensive Plus

If your dog or cat is over 9 years of age, you are only able to select Basic Cover as there is no upper age limit applicable.

Once your pet is covered with Everyday Pet Insurance, you will be able to cover your pet for their life simply by renewing your cover annually (provided there is no break in cover, we continue to offer the product and subject to the terms and conditions of your renewing policy) and paying premiums when they are due.

As with most insurance products, there are certain situations where you will not be covered. There are some general exclusions such as:

• Conditions which occurred prior to commencement of your first policy period or during any applicable waiting period (‘pre-existing conditions’).
• Routine or preventative treatments (unless routine care (non-insurance benefit) cover is purchased with the Comprehensive Cover or Comprehensive Plus Cover, which provides a contribution up to the routine care limits).
• Some elective treatments and procedures and breeding or obstetrics.

There may also be specific exclusions which may apply to specific levels of cover.

It is important that you read all of your policy documentation for full details. You can find more information in the Pet Useful Documents section.

For your convenience and to ensure continuity of cover for your pet, we will automatically renew your policy each year for as long as we continue to provide this product, subject to the terms and conditions of the policy.

We will send your renewal notice at least 14 days before your policy is due to expire and it will remind you to check your policy limits to see if the level of cover is still right for you. You can opt-out of the automatic renewal process by contacting us. If you have chosen for your policy not to automatically renew, you will need to contact us to renew your cover.

When joining Everyday Pet Insurance, the waiting periods that apply are:

• 30 days for conditions covered under the illness and specified conditions cover sections
• 6 months for Cruciate Ligament Conditions.
• 6 months for dental illness benefit if selected with Indoor Cat plan.

There is no waiting period for specified accidental injury cover. For more information, please refer to the Pet Insurance Product Disclosure Statement.