Petmed Pet Insurance Review

How does Petmed pet insurance compare?

Finder Score	Maximum Yearly Benefit	Paralysis Tick Yearly Sub-Limit	Reimbursement rate	Accidental Injury	Illness
Finder Score Not scored yet Petmed Young Pets	Finder Score Not scored yet	$18,000	$1,000	80%			Continue View details Compare product selection Compare	loading

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Why choose Petmed Pet Insurance?

Here are a few reasons why Petmed pet insurance might be worth it for your pet:

• Choice of no excess
• Choose your own vet
• Emergency boarding if you are hospitalised
• Essential euthanasia covered
• Lifetime cover when you join before the age limit and keep the policy active (exclusions and sub-limits apply)
• Senior pets are welcome
• Over 90% of claims paid in 5 days
• Pet overseas travel insurance (in New Zealand or Norfolk Island)

What policies does Petmed offer?

What does Petmed Pet Insurance cover?

Accidental injuries

All Petmed policies cover accidental injuries and it can pay up to 80% of eligible vet bills related to:

• A motor vehicle accident
• A burn or electrocution
• An insect, arachnid or snake bite
• A bone fracture
• Traumatic ligament or tendon injury
• A bite wound or fight wound abscesses
• Lacerations

There is no waiting period except for cruciate ligament conditions which are subject to a six-month waiting period from the start of your policy.

Illnesses

Comprehensive pet insurance covers you if your cat or dog gets sick and Petmed's is no different. It can also pay up to 80% of eligible vet bills for illnesses, including:

• Cancer treatments
• Eye/ear conditions
• Gastrointestinal problems
• Hereditary and congenital conditions (excluding pre-existing conditions)
• Ingestion of a foreign object
• Intervertebral disc disease
• Skin conditions
• Tick paralysis

There is a 30-day waiting period for illnesses and your pet must be over 8 weeks old at the start of the policy.

Routine Care

You can pay extra to have Routine Care included in your policy. There's no waiting period and it can pay for items such as:

• Alternative therapies
• Behavioural therapy
• Council registration fees
• Cremation or burial
• Dew claw removal
• Dental illness treatment
• Desexing
• FeLV/FIV tests or urinalysis
• Flea/tick/worm control
• Microchipping
• Heartworm control
• Heartworm tests or blood screens
• Obedience training
• Prescription diets
• Teeth cleaning
• Vaccination or health checks

What isn't covered?

While Petmed policies have a ton of inclusions, there are certain scenarios where your pet won't be covered at all. These can be found in the Product Disclosure Statement under 'general exclusions' and include:

• 3D printing
• Ambulance fees and non-essential hospitalisation
• Breeding or obstetrics
• Cell-replacement therapies
• External fixtures (including wheelchairs)
• Genetic/chromosome testing
• Gross negligence by you or your failure to take all reasonable precautions to protect your pet
• Medicated baths and shampoos (unless medically necessary)
• Medication not approved or listed by the Australian Pesticides and Veterinary Medication Authority
• Pre-existing conditions
• Prosthetics
• Trial or experimental procedures and treatments

How to make a claim with Petmed

There are two ways to submit a claim:

• Online. You can fill out and submit a claim form via Petmed's online Pet Portal. You will also need to upload copies of the itemised invoice and the consultation note from your pet's vet visit.
• By post. You can download a claim form from the Petmed website or phone the insurer to have them mail a form to you. Once you and your vet have completed and signed the form, you can post it back to Petmed.

All claims must be submitted and received within 90 days of the treatment being provided.

Frequently asked questions about Petmed pet insurance

• What company underwrites Petmed's pet insurance plans?

  Petmed's policies are underwritten by The Hollard Insurance Company.

• How old does my pet need to be to qualify for cover from Petmed?

  You can take out Young Pets Cover for dogs and cats aged between eight weeks and nine years. Seniors Cover is available to pets over nine years of age and has no upper age limit.

• Does Petmed offer any plans that cover accidental injury only?

  No, all Petmed plans cover both illness and accidental injury.

• Can I get my pet treated by my own vet?

  Yes, you are free to choose any vet who is licensed to practise in Australia.

• Is there a cooling-off period?

  Yes, a 21-day cooling-off period applies. As long as you have not made a claim, you can cancel your policy within the first 21 days of taking out cover and receive a 100% refund.

• Are there any waiting periods that need to be served before cover begins?

  Yes, a 30-day waiting period applies to illness claims. A six-month waiting period also applies to cruciate ligament conditions, but this may be waived if your vet completes and signs a Cruciate Ligament Exam Form.

• Are there any breeds that aren't covered?

  No. Petmed pet insurance is available for every breed of dog or cat.

• How are Petmed claims paid?

  Claims are paid by cheque or by direct deposit into your nominated bank account.

Written by

Cristal Dyer

Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio