Pet Insurance

We understand that your pet is family. So if they get sick or injured, you want to make sure you can give them the best care possible – the last thing you want to worry about is how to pay vet’s bills. With Accident and Injury cover from InsuranceLine’s Pet Health Insurance Plan you can claim up to $10,000 each year, to help make sure your pets get the treatment they deserve.

Pet Health Insurance Plan at a glance:

  • Protect your special dog or cat, with affordable pet insurance cover from just $3.20 a week for dogs and $4.20 a week for cats.
  • Give your pets high quality care, with cover for up to $10,000 a year in veterinary expenses.
  • Choose from two great value pet insurance plans, covering accident and illness.
  • Choose from any licensed vet in Australia when your pet needs help.

The Pet Health Insurance Plan allows you to claim back up to 80% of eligible vet’s bills when your dog or cat is sick or injured, up to a total of $10,000 a year. So you can give them the very best care, without worrying about the cost.

Great reasons to get Pet Insurance from InsuranceLine:

Your pet will be taken care of.

Your pet insurance covers up to 80% of vet bills, including treatment for injuries caused by motor vehicle incidents, burns, falls and bone fractures. If you choose our Accidental Injury and Illness cover, we’ll also help protect your pet against illness.

Flexible cover.

Choose from two great pet plans - Accidental Injury or Accidental Injury and Illness - depending on your needs and budget. You can also choose your own excess amount. Optional Routine Care Cover can also be added to the Accidental Injury and Illness Pet Health Plan policy to help pay for regular treatments like worming, vaccinations and teeth cleaning.

Your pet is covered for life.

Once your pet is covered, we will contact you each year about your pet insurance renewal terms and cover. We won’t automatically cancel your pet insurance just because they get older.


To make pet insurance even more affordable, we’ll give you a 10% discount on your pet insurance premiums if you are already an InsuranceLine customer. We’ll also give you a discount if you add an additional pet to your policy.

Cover on the spot.

If you’re an Australian citizen, and your pet is aged 8 weeks to 9 years of age, you can get a quote or apply for accident and illness insurance. After 9 years old, you can get accident cover only. You can apply for pet insurance online or over the phone on 13 88 68 in minutes.

No surprises.

We’ll explain everything clearly with no jargon whatsoever, so you’ll know exactly what’s covered and what isn’t.

You and your pet can count on us.

If you ever need to make a claim, we make the process as stress free as we can.

Want to know more about a Pet Health Insurance Plan? Read the Pet Health Plan Product Disclosure Statement and Policy Terms or call 13 88 68.

No matter how well you care for your pet, it only takes a second for an accident to happen. And, just like humans, dogs and cats are vulnerable to many illnesses that require treatment. While you may not be able to prevent accidents and illnesses from happening, by taking out pet insurance, you’ll be better prepared financially if your cat or dog needs medical attention.

With flexible payment plans, including fortnightly, monthly or annual payments, it’s easy to afford. In fact, it can be less than the cost of a bag of pet treats! There are no medical checks required, and you can apply quickly and easily online or over the phone.

Want to know more about a Pet Health Plan? Read the Pet Health Plan Product Disclosure Statement and Policy Terms or call 13 88 68.

Your Pet Health Plan will cover up to 80% of your pet’s eligible vet bills, for up to $10,000 each year. You can choose to pay $0, $100 or $250 excess each year, depending on your budget. By paying a higher excess, you will be charged lower premiums.

Want to know more about a Pet Health Plan? Call 13 88 68.

At InsuranceLine, we promise to answer all of your questions in plain English, so you know exactly where you stand.

Here you can find answers to the most common questions we get asked about pet insurance. For anything else, call us on 13 88 68. You can also read the Pet Health Plan Product Disclosure Statement and Policy Terms. 

Can I get cover for any pet?
At the moment, our Pet Health Plan only covers domestic dogs and cats. We can’t cover your pet if it is:

  • Used for commercial purposes (for example, you have a working dog on a rural property)
  • A breed listed by your State or Territory as dangerous, prohibited or restricted

Will my pet’s age affect its insurance?
You can apply for Accident and Illness Cover as soon as your pet turns 8 weeks old, right up until they turn 9. After that, you can apply for Accident Cover only. Once your pet is covered, the insurance can continue for your pet’s entire life.

We will never cancel your policy based on your pet's age. But it’s a good idea to insure your pet while it is young. This way, it’s less likely to develop any conditions that could be considered pre-existing, which would be excluded from cover.

How soon can I make a claim?
Your policy will start at one minute to midnight on the day that we accept your application. You may make a claim if your pet is injured any time after the start date. However, if your pet gets ill, there is a 30 day waiting period from the start date before you can make a claim.

There is also a six-month waiting period for cruciate ligament claims. You can apply to have this waiting period waived by having your vet examine your pet on or after the start date and complete a Cruciate Ligament Exam Form. We will then let you know in writing whether we have waived this waiting period.

Can my pet visit any vet I choose?
Absolutely! You can use any vet who is licensed to legally practise in Australia.

Are there things that aren’t covered by this plan?
Like most insurance policies, your Pet Health Plan has some exclusions and benefit limits to help keep your premiums affordable. These include:

  • Pregnancy
  • Elective procedures
  • Pet foods
  • Grooming
  • Pre-existing conditions that showed clinical signs before you took out the InsuranceLine Pet Health Plan

Make sure you read the Product Disclosure Statement and Policy Terms carefully for a full list and of what your policy doesn’t include.

How much can I claim?
You can claim for up to 80% of the total cost of your pet's eligible treatment. The amount we will pay you depends on your policy's annual limits, any excess you have, benefit limits and other conditions set out in your policy documents.

Can I cancel my policy at any time?
Yes, you can. Simply let us know you want to cancel it in writing. Your policy cover will end at the time we receive your written request.

If you have not made a claim under the policy and you have paid the annual premium in full, we will refund the portion of the premium that covers the rest of your policy period. If you are paying premiums monthly or fortnightly, your future payments will stop being taken out of your account.

If you have made a claim under the policy, and you have chosen to pay premiums annually, you won’t receive a refund if you cancel your policy. If you have chosen to pay monthly or fortnightly, you will need to pay the remaining premium until your policy period ends.

What happens if I can’t pay my premiums?
Let us know immediately if you can’t pay a premium so we can help you work out an alternative arrangement. Your Pet Health cover will cease if your premiums are more than 30 days overdue.

Want to know more about a Pet Health Plan? Call 13 88 68.