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Pet Insurance Australia
Made Simple

  • 2 months FREE for pets under 1 yr,
    1 month free for pets aged over 1 yr!
  • Comprehensive cover for accident &
    illness at any vet in Australia
  • Up to $20,000 annual benefit
  • Pet insurance policies in simple terms -
    NO lock-in contracts + cancel anytime
GET A QUOTE COMPARE US

Pet Insurance Australia
Made Simple

  • 2 months FREE for pets under 1 yr,
    1 month free for pets aged over 1 yr!
  • Comprehensive cover for accident &
    illness at any vet in Australia
  • Up to $20,000 annual benefit
  • Pet insurance policies in simple terms -
    NO lock-in contracts + cancel anytime
GET A QUOTE COMPARE US

Our Pet Insurance Plans

Discover and compare pet insurance options at PetsOnMe Australia. Each of our pet insurance policies has been tailored to meet the different needs of pet owners, ensuring you get the right coverage suited to your pet's health and budget.

Moving from another insurer? We'll waive our waiting periods if you've held the policy for 1 year or more with no interruption in cover.

Scroll to compare

Accidental Plan

Most Affordable

If you're after basic-level and budget-friendly pet insurance coverage, consider our Accidental Plan. This plan covers emergency care for a range of accidental injuries, such as broken bones or wounds, ensuring you're prepared for potential mishaps your pet runs into.

$5,000

Annual Benefit Limit

Main Benefits

Accident Cover

Illness Cover

Hereditary Conditions Cover

Third Party Liability

Prescribed Medication

Cruciate Ligament

Other Benefits

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Tick Paralysis

Poisoning

Alternative Therapies³

Non-Elective Euthanasia

Other Costs – Consult Fees & Medically Required Non-Elective Procedures

Hip Dysplasia

Luxating Patella

Intervertebral Disc Disease

Abscesses

Gingivitis

Tooth removal where it’s medically required

Cavities

Tooth fracture

Dental disease as a result of infection

Retained deciduous teeth

More inclusions

GET A QUOTE
Classic Plan

Mid-Level Cover

Our Classic Plan balances affordability with comprehensive cover, making it suitable for pet parents who want to be on the safe side while sticking to a budget. Coverage for vet costs, both accident and illness-related, giving you peace of mind that your pet's health is taken care of

$10,000

Annual Benefit Limit

Main Benefits

Accident Cover

Illness Cover

Hereditary Conditions Cover $2,300pa ¹

Third Party Liability

Prescribed Medication

Cruciate Ligament

Other Benefits

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Tick Paralysis

Poisoning

Alternative Therapies³

Non-Elective Euthanasia

Other Costs – Consult Fees & Medically Required Non-Elective Procedures

Hip Dysplasia

Luxating Patella

Intervertebral Disc Disease

Abscesses

Gingivitis

Tooth removal where it’s medically required

Cavities

Tooth fracture

Dental disease as a result of infection

Retained deciduous teeth

More inclusions

GET A QUOTE
Deluxe Plan

Top Cover with Select Dental Care

If you're after the best protection for your four-legged pals, consider our Deluxe Plan. This option delivers our most comprehensive coverage for illness and accidents plus extra benefits, including coverage for a range of dental illnesses. If your pet is high maintenance, consider this!

$20,000

Annual Benefit Limit

Main Benefits

Accident Cover

Illness Cover

Hereditary Conditions Cover $3,800pa ¹

Third Party Liability

Prescribed Medication

Cruciate Ligament

Other Benefits

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Tick Paralysis

Poisoning

Alternative Therapies³

Dental illness²

Non-Elective Euthanasia

Other Costs – Consult Fees & Medically Required Non-Elective Procedures

Hip Dysplasia

Luxating Patella

Intervertebral Disc Disease

Abscesses

Gingivitis²

Tooth removal where it’s medically required:²

Cavities²

Tooth fracture²

Dental disease as a result of infection²

Retained deciduous teeth²

More inclusions

GET A QUOTE
Accidental Plan

Most Affordable

If you're after basic-level and budget-friendly pet insurance coverage, consider our Accidental Plan. This plan covers emergency care for a range of accidental injuries, such as broken bones or wounds, ensuring you're prepared for potential mishaps your pet runs into.

$5,000

Annual Benefit Limit

Main Benefits

Accident Cover

Illness Cover

Hereditary Conditions Cover

Third Party Liability

Prescribed Medication

Cruciate Ligament

Other Benefits

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Tick Paralysis

Poisoning

Alternative Therapies³

Non-Elective Euthanasia

Other Costs – Consult Fees & Medically Required Non-Elective Procedures

Hip Dysplasia

Luxating Patella

Intervertebral Disc Disease

Abscesses

Gingivitis

Tooth removal where it’s medically required

Cavities

Tooth fracture

Dental disease as a result of infection

Retained deciduous teeth

More inclusions

GET A QUOTE
Classic Plan

Mid-Level Cover

Our Classic Plan balances affordability with comprehensive cover, making it suitable for pet parents who want to be on the safe side while sticking to a budget. Coverage for vet costs, both accident and illness-related, giving you peace of mind that your pet's health is taken care of

$10,000

Annual Benefit Limit

Main Benefits

Accident Cover

Illness Cover

Hereditary Conditions Cover $2,300pa ¹

Third Party Liability

Prescribed Medication

Cruciate Ligament

Other Benefits

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Tick Paralysis

Poisoning

Alternative Therapies³

Non-Elective Euthanasia

Other Costs – Consult Fees & Medically Required Non-Elective Procedures

Hip Dysplasia

Luxating Patella

Intervertebral Disc Disease

Abscesses

Gingivitis

Tooth removal where it’s medically required

Cavities

Tooth fracture

Dental disease as a result of infection

Retained deciduous teeth

More inclusions

GET A QUOTE
Deluxe Plan

Top Cover with Select Dental Care

If you're after the best protection for your four-legged pals, consider our Deluxe Plan. This option delivers our most comprehensive coverage for illness and accidents plus extra benefits, including coverage for a range of dental illnesses. If your pet is high maintenance, consider this!

$20,000

Annual Benefit Limit

Main Benefits

Accident Cover

Illness Cover

Hereditary Conditions Cover $3,800pa ¹

Third Party Liability

Prescribed Medication

Cruciate Ligament

Other Benefits

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Tick Paralysis

Poisoning

Alternative Therapies³

Dental illness²

Non-Elective Euthanasia

Other Costs – Consult Fees & Medically Required Non-Elective Procedures

Hip Dysplasia

Luxating Patella

Intervertebral Disc Disease

Abscesses

Gingivitis²

Tooth removal where it’s medically required:²

Cavities²

Tooth fracture²

Dental disease as a result of infection²

Retained deciduous teeth²

More inclusions

GET A QUOTE

Compare Us To the Big Names

Unlike other Australian insurance providers, PetsOnMe offers three affordable and transparent plans specially designed for pet parents.

If you fancy switching to one of our award-winning pet insurance policies, we'll waive our waiting periods as long as you've held the policy for 1 year or more without any gaps or interruptions.

Scroll to compare

Deluxe Plan

Classic
Plan

Accident
Only
Plan

Accident Cover

Illness Cover

Hereditary Conditions Cover ¹

Third Party Liability

Prescribed Medication

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Tick Paralysis

Non-Elective Euthanasia

Other Costs – Consult Fees & Medically Required Non-Elective Procedures

Abscesses

Gingivitis

Tooth removal where it’s medically required:²

Cavities²

Tooth fracture²

Dental disease as a result of infection²

Retained deciduous teeth²

GET A QUOTE

What Makes Our Pet Insurance Cover The Best?

Cover for Life

All three of our award-winning insurance plans protect your pet for life, with no reduction in cover later down the line.

Third-Party Liability

Unlike our fellow competitors, all our policies protect you against any damage that your cheeky pet causes to other people or their property.

Rocket Fast 5-Minute Claims Lodgements

Thanks to our user-friendly online portal, making a claim has never been easier!
You can expect to be reimbursed for most eligible claims as soon as the next business day.

Claim 80% of Your Eligible Vet Bills

Choose an excess of $100, $200, or $300, and we'll reimburse the rest of an eligible claim up to the specified benefit limit at your choice of Vet.

Cover for Life

All three of our award-winning insurance plans protect your pet for life, with no reduction in cover later down the line.

Third-Party Liability

Unlike our fellow competitors, all our policies protect you against any damage that your cheeky pet causes to other people or their property.

Rocket Fast 5-Minute Claims Lodgements

Thanks to our user-friendly online portal, making a claim has never been easier!
You can expect to be reimbursed for most eligible claims as soon as the next business day.

Claim 80% of Your Eligible Vet Bills

Choose an excess of $100, $200, or $300, and we'll reimburse the rest of an eligible claim up to the specified benefit limit at your choice of Vet.

How Does PetsOnMe Pet Insurance Work?

PetsOnMe provides award-winning cover to Australia's biggest network of dog lovers and crazy cat people. We know your fur baby deserves the best care, which is why we offer three affordable levels of cover for you to choose from without the jargon.

Here's how they work:

  • Protect your pet during and after injuries, accidents and illnesses

  • Pay by the month without worrying about the vet bill

  • Cancel anytime — no sneaky lock-ins!

  • Get 80% cover of your eligible vet bill, less your chosen excess

  • Kittens and pups under 1 year get 2 months FREE, and pets aged over 1 year get the 1st month free!

  • Up to $20,000 annual benefit

  • Switch to any PetsOnMe policy, and we'll waive the waiting periods if you've had uninterrupted coverage for 1 year or more

    • What is pet insurance?

    Pet insurance is a safety blanket that covers most of your pets' medical expenses, similar to human health insurance.

    Depending on the policy you go for, you'll get reimbursed for a portion of your vet care expenses if your pet becomes sick or injured.

    From sudden accidental injuries to urgent treatments for certain illnesses, pet insurance covers a bunch of unforeseen mishaps that fellow pet parents deal with.

    Why is pet insurance important?

    Our fur babies are part of the family and deserve the same amount of love and care as any other member does. Pet insurance coverage is a necessity to ensure our pets' health is protected. Here's why:

  • Gives you peace of mind knowing your pet is covered for unexpected vet bills
  • Ensures your fur baby gets the medical care they need, regardless of your financial situation
  • Pet insurance saves you $1000s of medical expenses each year

    • Why choose PetsOnMe pet insurance?

    Each of our pet insurance policies has been tailored to meet the needs of pet owners. We used the feedback and guidance of over 52,000 pet parents Australia-wide to craft a selection of plans that meet every need. Here's what you get when you choose PetsOnMe insurance:

  • Complete transparency
  • Fair and budget-friendly pricing
  • No confusing jargon
  • Flexibility to cancel, upgrade, and downgrade
  • Bespoke cover tailored to your pet's needs
  • Super speedy claims

    • Choosing veterinary care with PetsOnMe insurance

    You have the freedom to choose any licensed and registered veterinarian across Australia for your pet's care. This empowers you to make decisions that are truly in the best interest of your cherished furry companion. Whether it's a skin infection, a specialist treatment, or a critical emergency, you're not confined to a specific vet or network of providers!

    What is pet insurance?

    Pet insurance is a safety blanket that covers most of your pets' medical expenses, similar to human health insurance.

    Depending on the policy you go for, you'll get reimbursed for a portion of your vet care expenses if your pet becomes sick or injured.

    From sudden accidental injuries to urgent treatments for certain illnesses, pet insurance covers a bunch of unforeseen mishaps that fellow pet parents deal with.

    Why is pet insurance important?

    Our fur babies are part of the family and deserve the same amount of love and care as any other member does. Pet insurance coverage is a necessity to ensure our pets' health is protected. Here's why:

  • Gives you peace of mind knowing your pet is covered for unexpected vet bills
  • Ensures your fur baby gets the medical care they need, regardless of your financial situation
  • Pet insurance saves you $1000s of medical expenses each year

    • Why choose PetsOnMe pet insurance?

    Each of our pet insurance policies has been tailored to meet the needs of pet owners. We used the feedback and guidance of over 52,000 pet parents Australia-wide to craft a selection of plans that meet every need. Here's what you get when you choose PetsOnMe insurance:

  • Complete transparency
  • Fair and budget-friendly pricing
  • No confusing jargon
  • Flexibility to cancel, upgrade, and downgrade
  • Bespoke cover tailored to your pet's needs
  • Super speedy claims

    • Choosing veterinary care with PetsOnMe insurance

    You have the freedom to choose any licensed and registered veterinarian across Australia for your pet's care. This empowers you to make decisions that are truly in the best interest of your cherished furry companion. Whether it's a skin infection, a specialist treatment, or a critical emergency, you're not confined to a specific vet or network of providers!

    VIEW PDS & FSG

    What’s Covered

    What’s Covered

    • Accidents
    • Temporary pre-existing conditions⁴
    • Third party liability
    • Veterinary treatment expenses
    • Non-elective euthanasia
    • Prescription medication
    • Hospitalisation & operating
      theatre costs
    • Radiology & pathology
    • Vet consults & non-elective
      medical procedures
    • Illness & injury (classic & deluxe plans)
    • Dental illness² (deluxe plan only)
    • Tick paralysis
    • Alternative Therapies such as acupuncture, physio and hydrotherapy³

    What’s Not

    What’s Not

    • Regular check-ups
    • Permanent pre-existing & congenital conditions
    • Costs relating to statutory quarantine
    • Hereditary conditions for the first 180 days after the start of your cover and before your pet's 2nd birthday
    • Breeding & pregnancy
    • Behavioural problems
    • Psychological conditions/disorders
    • Special diets, pet foods, dietary or nutritional supplements
    • Experimental or investigational treatments
    • Elective/preventative procedures or cosmetic surgeries
    VIEW PDS & FSG

    ¹Hereditary conditions are covered after your pet's 2nd birthday. This policy is subject to limits, sub-limits, conditions & exclusions.

    Please refer to the Product Disclosure Statement for full details.

    ²Dental benefit is limited up to $500pa.

    ³Acupuncture, physio and hydrotherapy for a diagnosed eligible condition if recommended by your vet.

    ⁴An eligible condition that is fully cured, considered temporary and has no relation to an underlying condition.

    Claim in 3 Easy Steps

    Group 11 Copy 3 1

    Go To Your Vet

    When your fur-child needs veterinary attention, go to your trusted vet to get the care they’re used to.

    Group 11 Copy 2

    Submit a Claim

    Lodge your pet insurance claim online via our user-friendly pet portal. Provide a few simple details, such as your policy number and the vet’s invoice.

    Group 11 Copy 2 3

    Get Reimbursed

    Get paid the next business day* of receiving all necessary paperwork!

    Make a Claim

    *T&Cs apply and reimbursement subject to submission of a valid claim

    What To Look for When Choosing the Right Plan for Your Pet

    Here are the most important factors to take into account when picking the best pet insurance for your fur baby:

    • Coverage and Benefits
    Choose a pet insurance plan with the right amount of coverage and benefits that match your pet’s needs. If your fur baby is clumsy or prone to hereditary health conditions, consider going for a comprehensive policy, like our Deluxe Plan.

    • Costs and Value
    Compare different pet insurance quotes and check annual limits to find the right plan that matches your budget. All our plans are easy to understand and transparent, so you know exactly what’s covered and needn’t worry about any hidden surprises!

    • Eligibility Criteria
    Carefully read our eligibility criteria to ensure you qualify for your chosen plan. If your pet is a youngster, you’ll have to wait until they are at least 6 weeks to get them covered under any of our pet insurance plans. If your fur baby has any pre-existing conditions, they likely won’t be covered for related vet costs.

    FIND OUT MORE