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Barking-Good Benefits of PetsOnMe Pet Insurance

Claim a Bunch of Eligible Vet Bills
Get up to 80% back on covered treatments for accidental injuries and illnesses, surgeries, hospitalisation, and specialist care.

Skip the Stress with Flexible Cover
Choose from three levels of cover suited to every budget and pet — you can cancel, upgrade, and downgrade whenever at no extra cost!

Save $1000s On Unexpected Vet Bills
With annual benefit limits of up to $20,000, you needn’t worry about breaking the bank to cover emergency vet visits.

Straightforward Cover, Without the Jargon
We’ve made things as easy as possible at PetsOnMe. Enjoy straightforward, tail-wagging cover that meets your needs.

Barking-Good Benefits of PetsOnMe Pet Insurance

Claim a Bunch of Eligible Vet Bills Get up to 80% back on covered treatments for accidental injuries and illnesses, surgeries, hospitalisation, and specialist care.

Skip the Stress with Flexible Cover Choose from three levels of cover suited to every budget and pet — you can cancel, upgrade, and downgrade whenever at no extra cost!

Save $1000s On Unexpected Vet Bills With annual benefit limits of up to $20,000, you needn't worry about breaking the bank to cover emergency vet visits.

Straightforward Cover, Without the Jargon We’ve made things as easy as possible at PetsOnMe. Enjoy straightforward, tail-wagging cover that meets your needs.

Everything You Need To Know About Pre-Existing Conditions at PetsOnMe

Pre-existing conditions can be a grey area, especially for newbie pet parents — but don’t worry, we’ll break down everything you need to know right here.

So, what are pre-existing conditions?

Pre-existing conditions are health issues that popped up before your fur baby’s policy started. You can’t claim any ongoing treatment for them on your policy once it starts during the waiting period.

Gone for our Accidental Plan? You get instant coverage and can lodge a claim right away. If you’ve chosen an accident and illness policy, like our Classic or Deluxe Plans, you’ll need to wait between 21 and 180 days.

We’ll ditch our applicable waiting periods and get you covered sooner if you can show us that you’ve held an uninterrupted policy for 12 months or more with your previous provider. This saves you from any potential pre-existing conditions being excluded from cover.

Frequently Asked Questions
How To Avoid Pre-Existing Exclusions?

Any health problems your furry friend had before their policy kicked in are counted as pre-existing. So, the sooner you get your pet covered, the fewer pre-existing exclusions they'll have.

You can get your pets covered as soon as they reach six weeks old. We've got puppy and kitten plans made just for youngsters — you get to enjoy two months of free cover if your fur baby is younger than one year. And don't worry, we didn't forget about the grown up pets. Cats and dogs aged one year or more get a month of cover on the house.

Where Can I Find Out What Conditions Are Eligible for Cover?

You'll find all the important stuff about your policy, like what conditions are eligible to claim, your coverage level, and terms and conditions, in your product disclosure statement (PDS).

Whenever you're unsure about something to do with your policy, your PDS is the place to look. Some common eligible conditions you can claim include accident and illness treatment, prescribed medication, third-party liability, hospitalisation, hip dysplasia, and more. To make a claim, head to our portal and get reimbursed as soon as the next business day.

How Do I Know if My Dog or Cat Has Pre-Existing Chronic Conditions?

If you've welcomed home a new four-legged family member and want to know if they have any pre-existing conditions, you'll need to do a little digging and request their medical records from any vets they were previously treated by. If you got your fur baby from a rescue shelter, they should provide you with a full breakdown of your pet's medical history.

Any pre-existing conditions they've got on their medical records won't be covered by your policy. But, any new health problems that pop up once you're covered might be eligible to claim, depending on the level of cover you have and the terms and conditions of your insurer.

What Does Condition Limit Mean in Pet Insurance?

In the world of pet insurance, the condition limit is the maximum amount your insurer will cover for a specific condition during the policy period. It applies per condition rather than in total across all claims. They also reset when your policy renews.

You can find out everything you need to know about condition limits in your product disclosure statement (PDS).

What Are Temporary Pre-Existing Conditions & Can I Claim Them?

Temporary conditions are short-term health problems, like ear infections and UTIs. In lots of cases, they won't be counted as pre-existing conditions, but only if your furry pal hasn't shown any signs or needed treatment for a good stretch of time.

If the condition clears up and doesn't come back until your policy starts, you'll likely be able to claim it if it pops up in the future.