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. See our Pet Insurance Comparison table.
Want to know more about a Pet Health Plan? Read the Pet Health Plan Product Disclosure Statement or 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.
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:
• Elective procedures
• Pet foods
• Pre-existing conditions that showed clinical signs before you took out the InsuranceLine Pet Health Plan
Make sure you read the Policy Terms and Conditions 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.