Frequently Asked Questions

Will you pay all the veterinary expenses?

You will receive 100% of the total cost of treatment for your dog or cat, up to the annual limits, less an Excess. Certain expenses are not covered. These, and the terms and conditions applicable are set out in the policy documentation.

How does the Excess work?

The Excess is the amount (your choice of $100, $250 or $500) that is deducted from your benefit only once for each unrelated condition claimed in a policy year. For example, if your pet has an ongoing stomach complaint and requires follow-up treatments – only one Excess will apply to the treatment of this complaint.

At what age can I start my pet's insurance?

Pets can be insured from 8 weeks of age. For Comprehensive and Major Medical cover your pet must have joined before its 9th birthday. There is no upper age limit for our Accident plan so any pet can join no matter how old. Don't delay as pet insurance is the one thing you cannot buy when you need it most – plan ahead.

Can I insure my pet as it gets older?

Yes, once your pet is insured with us we will guarantee to renew your pet's policy for life and will not reduce your cover as your pet ages provided there is no break in cover after your pet reaches the age of 9.

When will my policy start and when can I claim?

Your policy will commence at midnight on the day that your proposal has been accepted by us and a policy has been issued. Please note that acceptance of your application is not guaranteed, so you should always check to see whether a policy has been issued before claiming. You may make a claim for an accident as soon as your policy is effective. A 30-day waiting period applies for illness condition claims.

Note: for cruciate ligament injuries or conditions a 6 month waiting period applies. You can remove the extra waiting period for cruciate ligament conditions by having your Veterinarian certify, at your own expense, that your Pet has no cruciate ligament conditions.

What is not covered?

Like most insurance policies, we have a few exclusions to keep your premiums affordable. These include, but are not limited to, pregnancy, elective procedures, foods/diet, grooming, behavioral problems, and pre-existing conditions that showed clinical signs before taking out the insurance.

Do you cover Hereditary and Congenital defects?

Yes, provided symptoms or clinical signs of these defects were not present prior to commencing cover.

How long does it take for a claim to be processed?

Once we receive the documentation, your claim will be processed without delay and payment will be made either by cheque or directly into your nominated account.

Can I use my own vet?

Yes, you can use any vet who is licensed to practice in Australia.