Petbarn Pet Insurance review
Petbarn Pet Insurance 4.6/5
Petbarn Pet Insurance is a reputable source of pet insurance that provides thorough protection for your beloved buddy against unforeseen diseases and catastrophes. Petbarn Pet Insurance offers pet owners financial security and peace of mind with flexible plans that can be tailored to your needs and those of your pet. Their passionate staff of animal-loving specialists is devoted to provide top-notch customer service and assisting pet owners with the claims process. Count on Petbarn Pet Insurance to safeguard the health and welfare of your pet.
Here are the basic Details for the company:
Name - Petbarn Pet Insurance
Claim Address - Petbarn Insurance, Locked Bag 9021, Castle Hill NSW, 1765.
Phone number - 1300 655 896
Petbarn is one of the largest pet supply retailers in Australia, and now, they are venturing to pet insurance. PetSure administered Petbarns’ insurance plans and is under The Hollard Insurance Company, so you are sure that your pet is in good hands.
The company offers three different kinds of insurance plans. The Core cover is the basic plan with a minimum pet age of eight weeks young and a maximum age limit of 9 years old. The highest reimbursement rate for this plan is 90%, with a 65% rate for pets over eight years old.
The inclusions of this policy are accidental injuries, illnesses, and emergency boarding of a $500 annual limit. It also covers your pet’s tick paralysis and ear conditions.
What are excluded in this policy are your pet’s dental conditions, cruciate ligament conditions, alternative treatments, and behavioural conditions. Once your plan is approved, you do not have any waiting period for accidental injuries, but you have 30 days waiting period for your pet’s illness coverage.
The standard plan is the Core Plus cover. Just like the Core cover, this plan also has no overall annual limit, and the reimbursement rate for this policy can go up to 90% worth of vet costs. It also covers accidental injuries and illnesses, emergency boarding, and cruciate ligaments conditions capped at $1000. Just like the Core cover, it takes 30 days before you can use the plan and six months before your pet can use the cruciate ligaments benefit.
The comprehensive plan for Petbarn Pet Insurance is called the Total cover. From the name itself, you can have a refund of up to 100% with no overall annual limit. This plan has the most comprehensive coverage since your pet can avail, not just accidental injuries and illnesses. This policy entitles your furry friend to have a $750 dental illness benefit, emergency boarding, cruciate ligaments benefit capped at $4,000, alternative treatments capped at $500, and behavioural, and anxiety conditions help capped at $400. This plan is also the most flexible policy compared to the other two. You can have additional benefits like prescription diets, along with this plan.
The waiting period is also lesser for this plan compared to the other two programs.
What we love about the policies are the no excess benefit and the no overall annual limit. There is no total yearly limit for the systems because each plan has a per condition limit per year. For the Core cover, you can avail up to $500 per condition while the Core Plus has up to $1,000 limit per requirement. You can also avail of their 10% discount if you enrol more than one pet in one of their policies.
Unlike other insurance policies, the Petbarn Pet Insurance can cover your pet’s behavioural and anxiety conditions, and this is another plus for us.
You have to take into consideration that their policies are more flexible, so you have to make sure what your pet’s needs are so that you can have the best cover for your loved ones. You must also remember that you can still avail of their Lifetime coverage as long as you continue your renewal.
Why we like
Petbarn Pet Insurance
Petbarn frequently offers initial discounts and promotions to get new consumers to sign up. Before applying, be sure to browse our list of coupons and discounts to locate the most recent deals on Petbarn pet insurance.
Book of Rewards: You will receive Petbarn's Little Book of Great Discounts when you apply for pet insurance. This book includes coupons worth $1,000 that range from freebies and incentives to upgrades and savings.
Discount for many pets: Do you intend to get coverage for more than one pet? You get a sizable 10% reduction on your premiums for all extra plans when you get pet insurance from Petbarn.
Reimbursement: With Core and Core Plus cover, you can get up to 90% of all valid vet costs reimbursed; with Complete cover, that percentage goes up to 100%. Keep in mind that the amount you receive back will be restricted by the per-condition cap set forth in your specific policy. For instance, if you have Core Cover and your vet bill is $800, you would be reimbursed 90% up to a maximum of $500.
No Annual Benefit Cap: Petbarn pet insurance does not have an annual benefit cap, in contrast to many pet insurance plans in Australia. Petbarn instead establishes a per condition cap, which varies depending on the level of cover.
No Excess: None of Petbarn's pet insurance products have an excess. Frequent veterinary visits may help to lower the up-front costs related to filing a claim. However, it is important to keep in mind that plans provided by other companies in the sector often have higher premiums for policies without an excess than for policies that have. Make important to evaluate pet insurance alternatives carefully so that you select the one that best fits your budget.
You can go to any veterinarian who is authorised to legally practise as one in Australia (other than yourself).
Flexibility in Making Claims: When it's time to file a claim, you can use Petbarn's GapOnly function, which evaluates your claim in-person at the veterinarian so that you only pay the difference. As an alternative, you can pay the whole vet fee up front and then submit a claim either electronically or manually.
Request Pre-approval: You can ask the provider for pre-approval if you are unsure whether your coverage will cover a specific operation. Knowing that you won't have to pay out of pocket when the time comes to do so can offer you comfort before visiting the veterinarian.
Earn Points: You might already be a member of the Friends For Life loyalty programme if you frequently visit Greencross Vet Clinics or Petbarn stores. If so, you'll be pleased to learn that every dollar you spend on premiums entitles you to one Friends For Life point. A $10 loyalty coupon to be used on your subsequent in-person or online purchase will be given to you once you have accumulated 6,000 points. As part of the Frequent Feeder programme, members receive additional savings and advantages in-store, including up to 20% off qualifying dog and cat food purchases.
Cover for Life: As long as there is no lapse in coverage and as long as Petbarn offers that policy, you can take advantage of cover for life if you apply for a policy before your pet reaches the policy's maximum age.
Pre-Existing Conditions Cures: Petbarn pet insurance, like the majority of other pet insurance plans, excludes pre-existing conditions from coverage. However, it won't be removed from coverage if you can demonstrate that the ailment was just transient and there haven't been any symptoms in the prior 18 months. Be careful that this category does not include chronic conditions or a number of other specific ailments.
What's good about
Petbarn Pet Insurance
Vet expenses that are eligible may be paid in full. This is more than the majority of other suppliers on the market, who typically give 80-85%.
Get points on every dollar spent on your premium through the Friends for Life points rewards programme, redeemable at Petbarn locations or Greencross veterinary hospitals.
