ExtrasJar pet cover sets no sub-limits on specific conditions and you'll have 5 excess options to choose from. Plus, you can claim up to $25,000 per year for your furry pal.
It offers annual benefit limit options of $10,000 $15,000, and $25,000 – impressive as the standard for most insurers on Finder is $15,000
Dental illness, behavioural issues and specialised therapies are all included
There's a $0 policy excess option. Not all pet insurance providers have this
No insurance paperwork – manage your account on your phone.
Cons
ExtrasJar is a recent entrant into pet insurance. Some might prefer a more established brand name such as RSPCA or Coles. That being said, ExtrasJar is backed by Knose, a double winner at the Finder Pet Insurance Awards 2023
You can't add routine care on to your plan. For typical services, such as vaccinations, you'll need to open a pet extras account with ExtrasJar.
Who is ExtrasJar?
ExtrasJar is a Brisbane-based financial services company launched in August 2022. According to its website, ExtrasJar offers "innovative health & pet extras investment solutions and extensive wallet-friendly pet insurance".
ExtrasJar was founded in 2022 by Reece Frazier and John Connor. Connor, an experienced insurance actuary, has previously spoken with Finder about how ExtrasJar is trying to disrupt the health insurance market.
The way ExtrasJar is set up is different to most insurers. Account management is largely done via ExtrasJar's app. This is part of the company's push to keep operating costs low and pass on more value to consumers.
Customers with a pet extras account have the option to keep money in a registered investment fund, which ExtrasJar manages. The funds can be accessesed at any time to pay for pet-related services – such as vaccinations and grooming – using an ExtrasJar Pet Mastercard. This is in addition to ExtrasJar's regular insurance policy offering.
🏥 What does ExtrasJar pet insurance cover?
Let's take a look at the standard inclusions with ExtrasJar pet insurance.
As with any insurer, ExtrasJar covers accidental injuries. It'll pay 80%, 85% or 90% of vet bills if your pet's involved in an injury such as:
A motor vehicle incident
Fractures
Poisoning
Wounds
Swallowed items
Illnesses
General illness is also covered by ExtrasJar pet insurance. Your cover can meet 80%, 85% or 90% eligible vet bills for illnesses such as:
Cancer treatment
Skin conditions
Ear and eye conditions
Hip dysplasia
Cruciate ligament conditions
What else is typically covered?
There's more to ExtrasJar's policy than just the essentials. Some further automatic inclusions with ExtrasJar include:
Vet costs for essential authanasia
Overseas vet costs – for New Zealand or Norfolk Island trips (of up to 60 days)
Emergency pet boarding, should you become unexpectedly hospitalised
Dental illness
Behavioural problems
Specialised therapies.
To find out more on the specifics of what is and isn't covered, read the product disclosure statement (PDS).
Keep a close eye on any restrictions, exclusions and waiting periods (this is how much time needs to pass as a policyholder before a claimable benefit kicks in – ExtrasJar refers to this as an "Exclusion Period" in its policy wording).
What isn't covered by ExtrasJar pet insurance?
Here are some of the general exclusions you'll find with an ExtrasJar pet insurance policy:
Any vaccinatable diseases, such as parainfluenza or leptospirosis
Intentional harm or neglect
Failing to follow a vet's advice
Desexing costs
Elective (non-urgent) procedures
Breeding – including pregnancy, whelping or queening.
Irregular, investigative or experimental treatments
ExtrasJar Pet Insurance frequently asked questions
ExtrasJar Pet Insurance is underwritten by Pacific International Insurance. It's distributed by Knose Financial Services Pty Ltd, who are based in Sydney. Read more about Knose pet insurance.
To reduce you ongoing policy costs, you can increase your policy excess. Just make sure you can afford the upfront excess when it comes to claim time. ExtrasJar offers no fewer than 5 excesses: $0, $250, $500, $750, and $1000.
No, ExtrasJar prefers to keep things simple. Instead of sub-limits, you can pick your cover limits.
Pet extras are offered alongside ExtrasJar's standalone pet insurance. Essentially, it works a bit like a savings account for your pet (but funds are invested in ExtrasJar's managed fund).
Customers can access their investments by using their ExtrasJar Pet Mastercard to pay for pet-related services, such as grooming or vaccines.
ExtrasJar lets you access a Pet Health Hotline, 24/7. This can give you around-the-clock help with specific questions or general advice.
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
James's expertise
James has written 204 Finder guides across topics including:
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
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