Pet Insurance

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.

• Why should I get Pet Insurance?

  Pricey vet bills can really add up. By taking out Pet Insurance, you can be better prepared financially if your pet needs medical attention. Our Pet Health Insurance Plan allows you to claim back up to 80% of eligible vet 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.

• 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.

• Can my pet be covered for a Pre-Existing Condition?

  Pre-existing conditions, such as hereditary and congenital defects are not covered. However, you can ask us to review a Pre-existing Condition exclusion provided that your Vet certifies and provides (at your expense) veterinary records verifying that your Pet has been free of the Pre-existing Condition, for at least 18 months from the original policy Commencement Date. The Pre-existing Condition exclusion may then be lifted once agreed to by us in writing.

• 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 do I renew my policy?

  We will advise you regarding renewal of your policy prior to the expiration of the current policy. For your convenience and to ensure continuity of cover for your Pet, we will automatically renew your policy each year. Unless otherwise notified, your Cover will be automatically renewed on the terms contained in the renewal offer. We require you to notify us in writing (prior to your renewal date) should you decide not to renew your policy.