Our pet insurance plans cover the cost of veterinary expenses incurred as a result of accidental injury and illness. They also protect against damage caused by your pets to other people’s property or person.

Check our Dog Insurance Plans and Cat Insurance Plans pages for a list of what’s covered and what’s not.

Yes, but you must be referred by your vet.

Our Deluxe Plan offers $500 worth of dental illness cover at no extra cost on your policy. This is available after a 180 day waiting period. Dental is not covered on your Accident or Classic Plans unless caused by a serious or traumatic accident.

Yes, our Deluxe Cat Insurance Plan covers treatment for a variety of dental illnesses, including tooth fractures, cavities, and dental disease. However, it does not cover general dental wellness, such as teeth cleaning.

If you're a first-time cat parent or looking to switch to a new plan, our selection of bespoke cat insurance plans cater to every feline under 11yrs old, whether they are high- or low-maintenance!
Whether you're seeking cover for unexpected health issues, or seeking all-rounded cover in case of an emergency, PetsOnMe has a plan for you.

Find and compare all our available options today.

Yes, we cover Alternative Therapies such as acupuncture, physio and hydrotherapy for a diagnosed eligible condition if it is recommended by your Vet.

Waiting periods are the period(s) stated in your pet insurance policy that must pass from the policy start/inception date before your cover will begin, or from the policy start/inception date that any additional pets are included during the period of insurance.

Our waiting periods are:

• Zero (0) days: Accident
• 21 days: Illness
• 21 days: Poisoning, intervertebral disc disease, ingestion of a foreign object
• 180 days: Third party liability
• 180 days: Hereditary conditions
• 180 days: Cruciate ligament, patella luxation
• 180 days: Dental Illness

We will waive our waiting periods if you have held a policy with another insurer for 12 months or longer, with no interruption in cover.

During your pet insurance comparison, you'll see that each plan offers a different maximum annual benefit limit. These limits are the total amount you can claim in eligible vet expenses within a policy year. The more comprehensive a plan, the higher the annual benefit limit.

Our selection of pet insurance plans offers three annual benefit limits, each suited to different pet needs. Explore and compare each plan at PetsOnMe to find the right amount of cover for your furry companion.

Yes – after all, accidents happen. Especially when you have an unpredictable animal on your hands!

Rest assured each of the PetsonMe Insurance pet cover plans includes accident cover. This means our pet insurance covers the cost of treating your beloved pets for injuries sustained in an accident. This includes things like choking, being hit by a car and other unforeseeable incidents.

PetsOnMe Insurance Classic and Deluxe pet insurance plans cover veterinary expenses incurred as a result of illness, including illnesses arising from hereditary conditions, after the required waiting period has passed. Our Accident Plan does not.

An illness means an unexpected sickness or disease, or any change to your pet’s normal healthy state. This could be an upset stomach, a skin condition or an ear infection, or another sickness/disease that is not caused by an accidental injury.

Yes. We understand ticks are a major concern for Australian pet parents, so all dog insurance and cat insurance plans cover veterinary expenses for tick paralysis diagnosis and treatment (after your initial waiting period has passed).

Remember: tick and flea prevention should always be a part of your routine pet care regime, no matter what your pet’s age.

Yes, after the 180 day waiting period and once your pet is 2 years old we cover hereditary conditions under our Classic and Deluxe Plans, up to the annual limits as stated in your Certificate of Insurance.

We cover allergies, but only when they are a result of an external factor (from outside the body).

For example, if your cat acquired a rash from a plant that he brushed up against in the garden and now he needs skin treatment – that would be covered. However, if your cat is born with asthma and has just had an asthma attack that needs treating, that would not be covered.

Please give us a call on 1300 489 873 so we can talk you through this.

Select breeds are dogs that present an increased risk of health conditions, which is why they cost more to cover with pet insurance. This is similar to car insurance, where some drivers are considered riskier than others and therefore attract a higher premium.

Select dog breeds include, but are not limited to: Airedale Terrier, Azawakh, Boxer, Beauceron, Bull Terrier, All Bulldogs (i.e. English, American, Australian, Miniature, etc), Dalmatian, Deerhound, Dogue de Bordeaux, Dobermann, Great Dane, Leonberger, All Mastiff Breeds, Italian Corso Dog, Lhasa Apso, Corinne Mountain Dog, Greater Swiss Mountain Dog, St Bernard, Newfoundland, Original English Bulldogge, Rottweiler, Samoyed, Shar-Pei, Weimaraner.

We can only expect you will let us know anything that you would reasonably be expected to know. We also suggest you get your new fur baby a vet check-up ASAP, so you have a better understanding of health problems you may encounter in the future.

Third-party liability provides you with financial cover (up to a limit) if your pet causes loss of or damage to someone else’s property, or death or bodily injury to any person.

With PetsOnMe Insurance, you can rest assured you’re covered by your pet insurance as long as:

• The injury was not suffered by a family member residing with you
• The property is not owned by you or anyone residing with you (or in a trust held by you or someone residing with you)
• The damage or injury occurs in Australia

Yes, but only if your friend or family member does not live on the same property as you.

Yes. At the moment, we only cover cats and dogs.

Yes, our policies do cover the swallowing of foreign objects subject to the 21 day waiting period. If the object needs to be surgically removed, this is claimable once per policy period.

Yes, we do cover Physio as long as the treating Vet has deemed it be medically necessary in relation to an eligible condition

There is an annual sub-limit for Hereditary Conditions of $2300 under the Classic Plan and $3800 under the Deluxe Plan. Dental Illness is also covered under the Deluxe Plan to a maximum of $500 per year.