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

Pets On Me Pet Insurance Review

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Pros

It covers 80% of eligible vet bills. That's a rarity in pet insurance.
Its comprehensive policy covers dental disease as a result of infection. Most insurers don't automatically cover this, despite how common it is.
It's good if you're switching from another insurer. Pets On Me appears to be the only insurer we could find that will allow you to waive waiting periods if you've held a similar policy with another insurer for 1 year or more.

Cons

Its top policy comes with a $20,000 annual claim limit. That's likely more than enough for most but a small handful of insurers such as Pets On Me and Knose offer more.
Like other pet insurers, it won't cover your pet for any pre-existing conditions they have when you take out a policy.

1 - 2 of 2

Name	Product
Get 2 months free (for pets under 1 year old) OR 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply. Get deal Get deal		loading Fetching your data...
5% Multi-Pet Discount Save 5% when you insure multiple pets with PetsOnMe Pet Insurance. Get deal Get deal		loading Fetching your data...

Pets On Me Pet Insurance Key Features

Product	Maximum yearly benefit	Paralysis tick yearly sub-limit	Reimbursement rate	Illness
PetsOnMe Classic Plan	$10,000	$10,000	80%	Yes	Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.	Get quote View details Compare	loading Fetching your data...
PetsOnMe Deluxe Plan	$20,000	$20,000	80%	Yes	Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.	Get quote View details Compare	loading Fetching your data...
PetsOnMe Accident Plan	$5,000	$5,000	80%	Yes	Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.	Get quote View details Compare	loading Fetching your data...

What types of cover does Pets On Me pet insurance offer?

Pets On Me pet insurance offers 3 types of cover: the Accidental Plan, the Classic Plan and the Deluxe Plan. The first covers vet bills for accidental injuries only, while the second and third cover accidents and illnesses. You'll have to pay an excess when you make a claim but you can choose the amount: $100, $200 or $300.

Accidental injuries
Illnesses

Routine care

Ambulance vehicle with pet paw on the front

Accidental injuries

All Pets On Me policies cover accidental injuries. You won't have any waiting periods for accidents which is typical among most pet insurers. It can cover you for 80% of eligible vet bills such as:

Bone fractures
Snakebite toxicity
A traumatic ligament or tendon injury
A bite wound or fight wound abscesses
Lacerations
A cruciate ligament conditions

Vet building with pet paw on the front

Illnesses

If your cat or dog gets sick, Pets On Me will pay 80% of eligible vet bills. In most cases, you'll need to serve a 21-day waiting period before you're covered. This is shorter than several other insurers such as Woolies. You'll also have a 6-month waiting period before you're covered for dental illnesses. Some examples of illnesses Pets On Me cover may include the following:

Cancer treatment
Skin conditions
Eye and ear conditions

Congenital conditions (but not pre-existing conditions)
Dental illnesses (Deluxe only)
Tick paralysis

Pet toothbrush and scissors

Wellness add on

Pets On Me, like many insurers, offers a wellness add on as part of its cover. This is a type of routine care that lets you claim towards common treatments you're likely to need such as vaccinations and desexing. It's available with its Classic and Deluxe plans at an additional cost and can cover:

Vaccinations
Desex and microchipping
Boarding fees
Advertising and reward
Loss due to illness

Pets On Me pet insurance FAQs

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.
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

Thank you for your feedback!

Written by

Gary Ross Hunter

Journalist

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:

Health, home, life, car, pet and travel insurance
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