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• Our premium pet insurance plan
• Up to $20,000 annual benefit limit
• 80% benefit percentage (percent of eligible vet bill covered)
• Includes cover for specified dental conditions (up to $1,000 total annual sub-limit)
• Hip Joint Surgery cover – up to $7,600 per hip
• $3,000 tick paralysis total annual sub-limit
• Option to add alternative therapy cover (up to $1,000 total annual sub-limit) and optional Routine care (non-insurance benefit)

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• Our extended accident plan – now includes cover for tick paralysis, poisoning,  ingestion of object & spinal disc rupture
• Up to $10,000 annual benefit limit
• 80% benefit percentage (percent of eligible vet bill covered)
• Hip Joint Surgery cover – up to $7,600 per hip (stated accidental injuries only)
• $1,200 tick paralysis total annual sub-limit
• Option to add Routine care (non-insurance benefit)

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• Pet insurance cover tailor made for indoor cats
• Up to $5,000 annual benefit limit
• 80% benefit percentage (percent of eligible vet bill covered)
• Option to add Routine care (n on-insurance benefit) cover

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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. This has been confirmed by the fact that we’ve been chosen by Product Review as Pet Insurance Award winners every year from 2018 to 2024, and the thousands of satisfied pet parents who refer their friends to us.

Our new improved 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.

We have designed our pet insurance policies to suit the needs of every type of pet owner. For example:

• Our pet insurance policies offer a range of annual benefit levels (ranging from $5,000 for our Indoor Cat plan up to $20,000 for our Ultimate Care plan)
• Under our Peace of Mind plan you can choose between a reimbursement level of 60%, 70% or 80% for eligible vet bills
• Our new Indoor Cat plan offers a specific policy for the needs of indoor cats.
• Our new Ultimate Care plan includes $1,000  per year towards dental illness and the option to get covered for alternative care.

Once your pet is insured, we will cover all conditions (as long as they are not exclusions) for the life of the pet up to the annual benefit limit each year, provided you renew your pet insurance policy each year without any break, lapse or change in the level of cover. Cover will be subject to the terms and conditions of each renewing 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.