Nose-to-Tail Cover
for your dog or cat

We are here for you, and are determined to help you when you need it most. We go above and beyond to help our pet parents during stressful times.

We believe this is what makes us one of the best pet insurance providers in Australia, and what has led to us having been awarded by Product Review as Pet Insurance Award winners every year from 2018 to 2025. That’s 8 years running!

Our pet portal allows you to submit pet insurance claims and manage your policy quickly and easily online.

If we require further information after you submit a claim, we will correspond directly with your vet. This saves you having to worry about your claim and chasing up your vet.

And you have access to GapOnly^® on the spot claiming. This means less to pay upfront on eligible vet bills, and if your claim is approved you don’t have to wait for your claim to be paid after you leave the vet’s practice.

Our new Nose-to-Tail Cover provides comprehensive cover for accidents and illnesses, with flexible features to suit your pet’s needs and your budget.

Freedom to choose:

• Up to 10K, 20K or 30K benefit limit option.
• Up to 70%, 80% or 90% of your eligible vet bills back^⑅.
• Annual excess options for more control over your premium and out-of-pocket expenses.

Plus so much more:

• Zero sub-limits. More benefits when you need them.
• GapOnly® ready. Eligible claims are paid on the spot.
• myPetPass^TM – your ticket to extra pet perks including Live Vet, complimentary 24/7 online vet care.
• Booster Care optional benefit for specified dental conditions and specialised therapies including behavioural conditions and physiotherapy^◇.
• Routine Care optional non-insurance benefit for vaccinations, health checks and more.

Find out more

You can start your pet’s cover any time before the age of 9 years when you first apply. As long as we continue to provide the product, we’ll offer renewal of your policy every year for your pet’s life (subject to the terms and conditions of the policy).

All of our claims are looked at on an individual basis. However, we do not pay benefits for pre-existing conditions.

A pre-existing conditions is a condition that first existed or occurred:

• prior to the commencement date of your first policy period; or
• within any applicable waiting period;
  AND
• is a condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of, irrespective of whether the underlying or causative condition has been diagnosed.

If, after any applicable waiting period, your pet has a pre-existing condition that is a temporary condition which hasn’t existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it won’t be excluded from cover as a pre-existing condition.

You can apply to have a pre-existing condition reviewed. Your vet will need to certify and provide veterinary records verifying that the condition hasn’t existed, occurred or shown noticeable signs, symptoms or an abnormality for a period of 18 months.