Outstanding Value
Dog Insurance

  • 1st month FREE on all New Policies
  • Lightning-fast claims payouts, usually within
    2 business days
  • No lock-in's or cancel fees
  • Three dog insurance plans
    covering up to $15,000 per year

Outstanding Value
Dog Insurance

  • 1st month FREE on all New Policies
  • Lightning-fast claims payouts, usually within
    2 business days
  • No lock-in's or cancel fees
  • Three dog insurance plans
    covering up to $15,000 per year

Simple, Affordable Dog Insurance

Pay Monthly, with No Lock-in Contracts

Our three affordable dog insurance plans all have no lock in contracts and the ability to pay by the month or choose annual and receive a further 5% discount.

Up to $15,000 Annual Benefit Limit

We’ve kept things clear and simple with three straight forward pet insurance plans with your eligible vet bills covered up to $15,000 per year and a 5% multi pet discount.

Super-Fast Claims Paid Direct to Your Account

We've made claiming under your dog insurance policy quick and easy using our online portal. Most eligible claims are paid within two business days.

No Sub-Limit on Consult Fees

Repeated visits to the vet means each time you are charged a consult fee. We don't have a sub-limit on this, meaning you don't have to worry about going to the vet multiple times.

Our Dog Insurance Plans

Outstanding Value Pet Insurance Award Winner 2022 & 2023

Scroll to compare

Accidental Plan

Most Affordable

$5,000

Annual Benefit Limit

Main Benefits

Accident Cover

Illness Cover

Hereditary Conditions Cover

Third Party Liability

Prescribed Medication

Cruciate Ligament

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Tick Paralysis

Poisoning

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

Classic Plan

Mid Level Cover

$10,000

Annual Benefit Limit

Main Benefits

Accident Cover

Illness Cover

Hereditary Conditions Cover $2,300pa¹

Third Party Liability

Prescribed Medication

Cruciate Ligament

Radiology

Pathology

Operating Theatre Costs

Hospitlisation

Tick Paralysis

Poisoning

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

Deluxe Plan

Top Cover with Dental

$15,000

Annual Benefit Limit

Main Benefits

Accident Cover

Illness Cover

Hereditary Conditions Cover $3,800pa¹

Third Party Liability

Prescribed Medication

Cruciate Ligament

Radiology

Pathology

Operating Theatre Costs

Hospitalisation

Tick Paralysis

Poisoning

Dental illness²

Non-Elective Euthanasia

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

Hip Dysplasia

Luxating Patella

Intervertebral Disc Disease

Abscesses

Gingivitis¹

Tooth removal where it’s medically required:²

Cavities²

Tooth fracture²

Dental disease as a result of infection²

Retained deciduous teeth²

How Does Dog
Insurance work?

Looking for the best dog insurance for your pooch? PetsOnMe is Australia’s biggest network of dog lovers and we know your dog deserves the best care that’s why we offer three affordable levels of cover for you to choose from, without the jargon.

Our best value dog insurance plans protect your dog during and after injuries, accidents and illnesses. You can choose to pay by the month knowing that you don’t have to worry about the vet bill should your dog need veterinary care as our pet plans cover 80% of an eligible claim, less your chosen excess up to the annual limits.

Insuring your dog will give you peace of mind, knowing that you are protected from unpredictable vet bills as a result of an accident or illness which may occur and that can often lead to vet bills well into the thousands of dollars.

What is dog insurance?

Dog Insurance acts as a protective cushion for your dogs medical bills. It is a type of insurance that helps cover a part of your veterinary costs if your pet gets sick or injured. Just like how people have health insurance, you make regular payments in exchange for financial support when your dog needs to see the vet. This covers a range of treatments, starting from accidents to unexpected surgeries and urgent treatments, based on the coverage plan you decide on.

Why is dog insurance important?

Our dogs are valued members of our family, and similar to how we care for our human loved ones, our furry companions also deserve top-notch treatment. Dog insurance offers us a sense of ease and confidence, assuring us that if unforeseen sickness or injury arises, a portion of your pet's vet expenses will be taken care of. Vet bills can often be substantial and weigh heavily on a dog owner's finances. Our insurance plans encompass third party liability coverage, safeguarding us in situations where our dog might cause harm to others or their belongings.

Why choose PetsOnMe dog insurance?

Our mission is simple: to offer outstanding value dog insurance. By exclusively focusing on cats and dogs, we can expertly tailor our cover which empowers us to curate coverage that suits you and your beloved pet. We shaped our pet insurance plans with insights from over 50,000 pet parents all across Australia. Their feedback highlighted the need for transparency, simplicity, and quality coverage. That's why all our policies feature generous annual limits and cover 80% of eligible claims, less your chosen excess up to the annual limits.

Can I choose which vet my dog can go to?

Absolutely, you have the flexibility to choose any licensed and registered veterinarian across Australia for your dog's care. This empowers you to tailor decisions to best suit your furry companion's needs. From routine check-ups to specialized treatments, the choices you make are not limited by location or network, ensuring your furry friend receives the finest care available.

What’s Covered

What’s Covered

  • Accidents
  • 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)
  • Dental illness² (deluxe plan only)
    (deluxe plan only)
  • Tick paralysis

What’s Not

What’s Not

  • Regular Check-Ups
  • 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

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.

How Dog Insurance
Claims Work

Group 11 Copy 3 1

Go to your Vet

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

Group 11 Copy 2

Submit a Claim

Lodge your dog insurance claim online, provide a few simple details along with the vet’s invoice.

Group 11 Copy 2 3

Get Reimbursed

Get paid within 2
business days of
receiving all necessary
paperwork, thanks to
our local claims team.

Join our VIP
Partnership Program

Our partnership and referral program rewards you for sharing PetsOnMe pet insurance with fur parents within your network. Whether you’re a vet, registered breeder or even a pet sitter find out more about partnering with us.

Got any
Questions?

Check out our Frequently Asked Questions section to find out more about all the services we offer including dog boarding, pet sitting and loads more information on our best value pet insurance.