All Guardian pet insurance policies cover accidental injuries and don't have a waiting period. They can pay for up to 80% of vet bills including:
Motor vehicle incidents
Allergic reaction to an insect bite not caused by a tick or flee
Burns and electrocutions
Fractures
Snake bite toxicity
Abscesses caused by bite or fight wounds
Illnesses
All Guardian policies cover illnesses which is unlike many other insurers – lots have an accident-only option. You'll usually have to serve a 30-day waiting period for illnesses. They can cover vet bills related to:
Cancer
Skin conditions
Ear and eye conditions
Ingestion of a forgein object
Gastrointestinal problems
Intervertebral disc disease
Hereditary and genetic conditions (excluding pre-existing conditions)
Routine Care
You can add a Routine Care benefit to your Guardian pet insurance policy. There's no waiting period for routine cover. It can help pay for preventative treatments such as:
Desexing
Microchipping
Health checks
Vaccinations or health checks
Guardian pet insurance costs
To help give you an idea about costs for Guardian pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your locations
If your pet is desexed.
👥 Guardian pet insurance reviews
We looked at Guardian customer reviews on Finder. Here's a summary of how it did.
It have a relatively high rating of 3.7 which suggests people are happy with its customer services.
It hasn't received any 5 star reviews, at the time of writing.
If you're a previous or existing customer of Guardian pet insurance, we'd love to hear from you! Leave a quick review here.
Guardian pet insurance FAQs
The stress and anguish of having your pet fall ill or be injured is bad enough without having to deal with bureaucratic red tape. That's why Guardian Pet Insurance has made the process of submitting a claim as simple and convenient as possible to ensure you receive your reimbursements quickly.
Online
First sign up to manage your policy online through the Guardian Insurance site.
Upload a copy of your itemised invoices and consultation notes from the vet visit you are claiming.
Attach a copy of your pet's medical history from your current and previous vets, if this is your first time making a claim.
Medical records and adoption paperwork are also needed for pets who were adopted at an older age.
Traditional Mail
Print and complete a claim form with all the required details.
Have your vet complete Section 2 and both you and your vet must sign the form before you mail it in.
Ensure that all original itemised invoices, consultation notes and payment receipts are attached, before finally mailing it to Guardian Pet Insurance, Locked Bag 9021, Castle Hill NSW 1765.
Yes, there are two specific waiting periods that you need to be aware of:
30 day waiting period for conditions relating to some illnesses and tick paralysis.
6 month waiting period for cruciate ligament conditions (although it may be waived on application).
No, you will not need to pay an excess with Guardian pet insurance and there are no joining fees either.
Yes, your pet needs to be 8 weeks or older to be eligible. They also have to be younger than 9 years old for Platinum and Gold Accident and Illness Cover options and younger than 16 years old for Bronze Accident and Illness Cover.
Highly commended for Pet Insurance Customer Satisfaction
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio
Gary Ross's expertise
Gary Ross has written 621 Finder guides across topics including:
We all know who RSPCA is, but how do their pet insurance policies stack up? Learn if their policies are right for you with our latest review.
Important information about this website
Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
