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Which pet insurance offers good mid-level cover for dogs? A good mid-level plan protects your dog against both accidents and illnesses, has an annual limit big enough for surgery and hospital stays, and lets you claim quickly with any vet. The five signs below help you spot a strong plan and avoid one that looks good on paper but falls short when you need it.
Sign 1: It covers accidents and illnesses together
Good mid-level cover for dogs starts with breadth. Accidents are only part of the picture. Ear infections, skin conditions, stomach upsets and more serious illnesses all send dogs to the vet.
The PetsOnMe Classic Plan covers accidents and illnesses, plus:
- Hereditary conditions (a yearly sub-limit and age rules apply)
- Cruciate ligament injuries
- Tests such as radiology and pathology
- Surgery, operating theatre fees and hospitalisation for eligible conditions
- Prescribed medication
- Tick paralysis
- Third party liability
Sign 2: The annual limit gives you real headroom
A serious illness or injury can mean scans, surgery, a hospital stay and weeks of medication. Vet bills like these can run into the thousands. A strong mid-level plan has a limit that can absorb that without running dry halfway through treatment.
The Classic Plan pays back 80% of eligible vet bills, less your excess, up to $10,000 a year. If you want more room, the Deluxe Plan offers up to $20,000 a year and adds select dental illness cover.
Sign 3: You control your excess and payment rhythm
Good cover should fit your budget, not the other way around. Look for choice in how much you pay per claim and how often you pay for your plan.
Sign 4: You can see any vet and claim fast
Your dog’s regular vet knows their history. A strong plan lets you keep using them. PetsOnMe members can visit any registered vet in Australia.
Speed matters too. With PetsOnMe, claims are lodged online in a few minutes, and most eligible claims are reimbursed as soon as the next business day. That means less time out of pocket after a big vet visit.
Sign 5: The terms are clear and easy to check
A good plan is upfront about what it does not cover. PetsOnMe plans do not cover pre-existing or congenital conditions, routine and preventative care such as vaccinations and check-ups, elective procedures, breeding and pregnancy, behavioural problems, or dental illness (except the select dental cover in the Deluxe Plan).
Waiting periods also apply before some types of cover start, and hereditary and cruciate cover have longer ones. The good news: if you’re switching from an insurer you’ve been with for 12 months or more with no break in cover, and your cover is at a similar level, waiting periods are waived. Everything is set out in the Product Disclosure Statement.
A quick checklist before you choose
- Does the plan cover both accidents and illnesses?
- Are hereditary conditions and cruciate injuries included?
- Is the annual limit enough for surgery and hospitalisation?
- Can you pick an excess that suits your budget?
- Can you use your own vet anywhere in Australia?
- How fast are eligible claims paid?
- Are the exclusions and waiting periods clearly explained?
If a plan ticks all seven, you’re looking at good mid-level cover. Pets can join PetsOnMe from 6 weeks old, and getting covered early helps, as age limits apply to some plans.
Frequently asked questions
What counts as mid-level cover for dogs?
Mid-level cover protects against accidents and illnesses with a moderate annual limit. The PetsOnMe Classic Plan offers up to $10,000 a year at 80% of eligible vet bills.
Is the Classic Plan good for active dogs?
It suits many active dogs because it includes cruciate ligament injuries, surgery and hospitalisation for eligible conditions, subject to waiting periods.
Can I upgrade from Classic to Deluxe later?
Yes. Upgrades are subject to age limits, and waiting periods start again when you upgrade.
Does mid-level cover include dental?
The Classic Plan does not cover dental illness. The Deluxe Plan adds select dental illness cover.
Ready to get covered?
Give your dog protection you can count on. compare PetsOnMe plans online or call 1300 489 873 and our team will help you choose.
This article is general information only and doesn’t take into account your objectives, financial situation or needs. PetsOnMe pet insurance is issued by Pacific International Insurance Pty Ltd (ABN 83 169 311 193, AFSL 523921) and distributed by Pets On Me Insurance Pty Limited (ABN 42 650 975 554, AR 1288975), an Authorised Representative of POMI Financial Services Pty Ltd (AFSL 700171). Limits, sub-limits, exclusions and waiting periods apply. Read the Product Disclosure Statement and Target Market Determination at petsonme.com.au before deciding.
