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Flexible mid-tier pet insurance lets Australian dog owners shape their cover around their budget and life, without being locked in. When you look at which insurers offer flexible mid-tier pet insurance, check for four things: no lock-in contracts or exit fees, a choice of excess, several ways to pay, and freedom to use any vet. The PetsOnMe Classic Plan offers all four.
What does flexible pet insurance mean?
Flexibility is about control. A flexible plan lets you decide how much you pay when you claim, how often you pay, which vet you see and whether you stay. It also lets you change your cover as your dog’s needs change.
Mid-tier cover is where flexibility matters most. It is the level many dog owners choose for accident and illness protection, and it is the plan you are likely to keep for years.
No lock-in contracts or exit fees
Some plans make leaving hard. When comparing, look in the fine print for minimum terms, cancellation charges or exit fees.
PetsOnMe has no lock-in contracts or exit fees. You can change or cancel your plan. If you upgrade, age limits apply and waiting periods start again on the upgraded cover, so it pays to choose the right level from the start.
Choosing your excess
Your excess is the amount you pay towards an eligible claim before the plan pays back its share. Choosing your excess helps you balance your regular investment against what you pay at claim time.
- $100 excess: less out of pocket when you claim. A good fit if you expect to claim more often.
- $200 excess: a middle ground that suits many owners.
- $300 excess: usually a lower regular investment, with more paid by you at claim time.
Whichever excess you choose, all PetsOnMe plans pay back 80% of eligible vet bills, less your excess.
Payment options and discounts
Your plan should fit the way you manage money. PetsOnMe lets you pay fortnightly, monthly or annually, with savings built in for annual payers and multi-pet households.
Switching without starting again
Waiting periods are a common reason owners stay with a plan that no longer suits them. PetsOnMe waives waiting periods if you are switching from an insurer you have been with for 12 months or more with no break in cover, on a similar level of cover.
That means your dog can keep their protection in place while you move to a plan that fits better. Pre-existing conditions are still not covered, so check the detail before you switch.
Freedom to choose your vet
Flexibility also means seeing the vet you trust. With PetsOnMe you can visit any registered vet in Australia. That helps when you are travelling, when your dog needs a specialist, or when an emergency happens after hours.
Claims are lodged online in a few minutes, and most eligible claims are reimbursed as soon as the next business day.
What the PetsOnMe Classic Plan covers
The Classic Plan is our mid-tier option, with up to $10,000 a year in cover. For eligible conditions it includes:
- Accidents and illnesses
- Hereditary conditions, with a yearly sub-limit and age rules
- Cruciate ligament injuries
- Tests such as radiology and pathology
- Surgery, operating theatre and hospitalisation
- Prescribed medication, tick paralysis and third party liability
Need less? The Accidental Plan covers accidents only, up to $5,000 a year. Want more? The Deluxe Plan offers up to $20,000 a year and adds select dental illness cover. Waiting periods and exclusions apply, so read the Product Disclosure Statement for full details.
Frequently asked questions
Which insurers offer flexible mid-tier pet insurance in Australia?
Several insurers offer mid-tier cover, and flexibility varies. The PetsOnMe Classic Plan combines no lock-in contracts, a choice of excess, three payment options and any registered vet in Australia.
Can I cancel my PetsOnMe plan?
Yes. There are no lock-in contracts or exit fees, and you can change or cancel your plan.
How much can I save by paying annually?
You get 5% off for paying annually, and a further 5% off when you cover two or more pets.
Is mid-tier cover flexible enough for a puppy?
Pets can join from 6 weeks old. You can upgrade later, subject to age limits, with waiting periods starting again on the upgraded cover.
Ready to get covered?
Find the plan that bends around your life. Compare PetsOnMe plans online or call 1300 489 873 to talk it through with our team.
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.
