Outstanding Value
Puppy Insurance

  • 3 pet insurance plans covering up to $15,000/yr
    at any Vet in Australia
  • 1st month FREE for all New Policies
  • No lock in's - upgrade, downgrade
    or cancel anytime
  • Lightning-fast claims payouts, usually within
    2 business days

Outstanding Value
Puppy Insurance

  • 3 pet insurance plans covering up to $15,000/yr
    at any Vet in Australia
  • 1st month FREE for all New Policies
  • No lock in's - upgrade, downgrade
    or cancel anytime
  • Lightning-fast claims payouts, usually within
    2 business days

Simple, Affordable Puppy Insurance

Pay Monthly, with No Lock-in Contracts

Our three affordable puppy insurance plans all have no lock-in contracts, the ability to pay by the month and complete transparency.

Up to $15,000 Annual Benefit Limit

We’ve kept things clear and simple with lifetime cover and absolute transparency on what you can and can’t claim.

Super-Fast 5 Minute Online Claims Process

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

Just 1 Sub-Limit

We only have one sub-limit across all three of our plans - a hereditary conditions limit of $2,300 for our classic plan and $3,800 for our deluxe plan.

Our Puppy Insurance Plans

80% of your eligible vet bills paid less an excess of $100, $200 or $300 up to the annual limit¹

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

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

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 ¹

Cavities¹

Tooth fracture¹

Dental disease as a result of infection²

Retained deciduous teeth¹

How Does Puppy
Insurance work?

Looking for the best puppy insurance for your fur-baby? PetsOnMe is Australia’s biggest network of dog lovers and we know your puppy 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 puppy insurance plans protect your puppy 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 puppy need veterinary care, as our pet plans cover 80% of an eligible claim less your chosen excess up to the annual limit.

By insuring your puppy, you can enjoy peace of mind, knowing that you're safeguarded against unexpected veterinary expenses stemming from accidents or illnesses, which can sometimes result in vet bills reaching into the thousands of dollars.

What is Puppy Insurance?

Puppy Insurance serves as a safety net for your pets' medical expenses. It is a type of insurance coverage which reimburses you for a portion of vet care if your pet becomes sick or injured. Similar to human health insurance, you pay premiums regularly in return for financial assistance when your pet requires veterinary care. This encompasses various treatments, from accidents to unforeseen surgeries and urgent treatments, depending on the cover you choose.

Why is puppy insurance important?

Puppies are considered members of our family and just like any other family member, they deserve to receive the best care available.With puppy insurance, you have the comfort and assurance knowing that in the event of unexpected illness or injury, your puppy's medical costs will be covered. Vet expenses can be very costly and can place a significant burden on a puppy’s owner. All our insurance plans also include third party liability liability cover protecting you in the event your puppy causes damage to other people or their property.

Why choose PetsOnMe puppy insurance?

Our mission is simple: to offer outstanding value puppy 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 puppy. 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 puppy can go to?

Absolutely, you have the freedom to select any licensed and registered veterinarian across Australia for your puppy's care. This empowers you to make choices that prioritize your furry companion's well-being. Whether it's accidents or specialized treatments, you're not limited by location or network, ensuring your pup receives the best 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 plans)
  • Dental illness²
    (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 or giving birth
  • 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 Puppy Insurance
Claim Process Works

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Go to your Vet

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

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Submit a Claim

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

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Get Reimbursed

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

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.