Pet Insurance

COVER YOUR FURRY FAMILY

And don’t let the vet bills bite.

Furry family members get sick or injured too. So make sure you can give them the great treatment they deserve with our Pet Health Insurance Plan. It lets you claim up to $10,000 a year in eligible Vet Expenses, to help your pet get back on four feet.

Benefits at a Glance


  • Protect your special dog or cat, with affordable Pet Insurance cover - Get an online quote now.
  • Give your pets high quality care, with cover for up to $10,000 a year in veterinary expenses.
  • 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.
  • Easy - If your pet is aged 8 weeks to 9 years of age, you can get a quote and apply online for Accident and Illness Insurance for either accidental injury OR accident and illness 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.
  • Straightforward claims process - If you ever need to make a claim, we make the process as stress free as we can.

Optional Extras


  • Discounts - If you’re already an InsuranceLine customer. We’ll also give you a discount if you add an additional pet to your policy.

Exclusions & Restrictions


  • Age – There is no waiting period for Accidental Injury claims & there is a 30 day Waiting Period for Illness cover. There is also a 6 month waiting period for Cruciate Ligament Conditions. You can apply to waive this waiting period as per the procedure outlined in the Combined Product Disclosure Statement, Policy Terms and Conditions & Financial Services Guide (FSG).
  • Waiting periods – you can make a pet injury claim immediately, and an illness claim 30 days after your policy starts. There is also a 6 month waiting period for Cruciate Ligament claims, which you may have waived if you have your pet examined before starting your policy. See our Combined Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide.
  • Pre-existing conditions are not covered.
  • Dental care, pregnancy and elective procedures are not covered.
  • Day to day care expenses such as pet food, vaccines, grooming, flea treatments etc. are not claimable, unless stated on your certificate of insurance under Routine Care.
  • Please see our Combined Product Disclosure Statement, Policy Terms and Conditions & Financial Services Guide for full details on what is and isn’t covered.

Want to know more about this product?

Download our Combined Product Disclosure Statement, Policy Terms and Conditions & Financial Services Guide

  • Common Questions

    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 Insurance Combined Product Disclosure Statement, Policy Terms and Conditions & Financial Services Guide.

    • Can I get cover for any pet?

      At the moment, our Pet Insurance 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 Accidental Injury Cover only. Once your pet is covered, the insurance can continue for your pet’s entire life as long as there is no break, lapse or change in the level of cover after reaching the age of 9.

      We’ll 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. 

      There is no waiting period for Accidental Injury claims & there is a 30 day Waiting Period for Illness cover. There is also a 6 month waiting period for Cruciate Ligament Conditions. You can apply to waive this waiting period as per the procedure outlined in the Combined Product Disclosure Statement, Policy Terms and Conditions  & Financial Services Guide (FSG).

    • Can my pet visit any vet I choose?

      Absolutely! You can use any vet who is licensed to practice in Australia.

    • Are there things that aren’t covered by this plan?

      Like most insurance policies, Pet Insurance 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 your Pet Insurance or within the applicable Waiting Period

       

      For a full list and of what your policy doesn't cover, see the Combined Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide.

    • 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’ll pay you depends on your policy's annual limits, any excess you have, benefit limits and other conditions set out in the Combined Product Disclosure Statement, Policy Terms and Conditions, and Financial Services Guide.

    • 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’ll refund the portion of the premium that covers the rest of your policy period. If you’re 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.

      Want to know more about our Pet Health Insurance Plan? Get a quote and apply online or call 13 77 87 today.


  • How does it work?

    Our 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.

    Want to know more about our Pet Health Insurance Plan? Get a quote and apply online or call 13 88 68 today.

  • Is it for me?

    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. There are no medical checks required, and you can apply quickly and easily online or over the phone.

    Want to know more about our Pet Health Insurance Plan? Get a quote and apply online or call 13 88 68 today.

  • How much can I get?

    Your Pet Insurance will cover up to 80% of your pet’s eligible vet bills, for up to $10,000 each year. Depending on your budget, you can choose to pay $0, $100 or $250 excess per condition, per policy period. By paying a higher excess, your premiums will be lower.

    Want to know more about our Pet Health Insurance Plan? Get a quote and apply online or call 13 88 68 today.