How do I make a claim with Pets On Me?

To make a claim, simply go to your vet and pay the bill. Afterwards, you can lodge your pet insurance claim online with Pets On Me. You'll be asked a few questions about the procedure and you'll need to attach the vet's invoice. You should be reimbursed for 80% of the costs, minus the excess. Its claims team is based in Newcastle, NSW and should in most cases pay you within 2 business days of receiving all necessary paperwork.

What waiting period do I need to serve with Pets On Me pet insurance?

There is generally no waiting period for accidental injuries. There is a 21-day waiting period for illnesses. This is better than other insurers – most are 30 days. You'll need to serve a 6-month waiting period for dental illnesses.

What age does my pet need to be to be eligible for cover?

They need to be between 8 weeks old and 12 years old for the accident plan. This is older than other policies we looked at. For the classic and deluxe, they need to be between 8 weeks old and 8 years and 11 months. This is similar to other insurers.

What am I not covered for with Pets On Me pet insurance?

You won't be covered for the following with Pets On Me (read its PDS for a full list of exclusions): Regular vet visits Pre-existing/congenital conditions Costs relating to statutory quarantine Hereditary conditions for the first 90 days after the start of your cover Elective/preventative procedures or cosmetic surgeries Breeding, pregnancy or giving birth Behavioural problems Psychological conditions/disorders Special diets, pet foods, dietary or nutritional supplements Experimental or investigational treatments