Guardian Pet Insurance review
Guardian Pet Insurance 4.8/5
Cats and dogs can both be covered completely and to their specifications by Guardian Pet Insurance. Guardian Pet Insurance offers financial security and peace of mind for pet owners with a variety of options to suit your needs, your pet's needs, and your budget. Their passionate staff of animal-loving experts is committed to provide top-notch customer service and assisting pet owners during the claims process. Use Guardian Pet Insurance to safeguard your pet.
Here are the basic Details for the company:
Name - Guardian Pet Insurance
Claim Address - Guardian Pet Insurance, Locked Bag 9021, Castle Hill NSW 1765
Phone number - 1300 709 560
Pet lovers only want the best for their fur babies. However, there would always come a time where your pet would ingest something, or get into an accident. Then, you’d end up in the vet and pay a much expensive bill. But the Guardian pet insurance assures you that with their pet insurance policies, your pet gets the protection it needs, as well as your wallet.
Guardian pet insurance has three covers available at your disposal. The primary coverage is the Bronze cover. Moreover, this policy is for accidental injuries and specific illnesses. With the Bronze cover, your pet gets the assurance of up to 60% worth of eligible vet bills and an annual limit of $12,000. The minimum age for your pet to be enrolled is over eight weeks young and below 15 years old. Your pet will also have vet visits and consultations worth $300 per anum and an emergency boarding of $500 per year.
Furthermore, cruciate ligaments benefit worth $2,000 is also part of the inclusions for the Bronze cover, as well as tick paralysis treatment. Other benefits also include hospitalization, surgery, medicines and Lifetime cover.
For the Gold cover, your pet can avail treatments for accidental injuries and illnesses worth $12,000 yearly at a reimbursement rate of 75% yearly. Other inclusions are hospitalizations, surgeries, vet visits and consultations worth $300 yearly, medicines and drugs and Lifetime cover.
Your pet also gets a $1,000 yearly benefit for tick paralysis treatment with an emergency boarding benefit of $1,000.
The Platinum cover for the Guardian pet insurance has more options than the other two policies. With the Platinum cover, you get the option of adding routine care or alternative therapy for your pet. Also, your pet receives an annual benefit of $12,000 worth of hospitalizations, surgeries, medicines and drugs, and lifetime coverage. With every approved claim, you can get a reimbursement of up to 80% of all your vet bills.
You will also have emergency boarding and cruciate ligaments benefit for your pet worth $1,000 and $2,600, respectively.
What we like about the policies is the variety for the reimbursement rates. Every plan comes with a different reimbursement rate, which means you could also make a better choice on what program is best for your pet and what is according to your budget.
Pets older than 15 years old are also still insured with their Lifetime coverage. It says on the policy that only pets younger than 15 years old can enrol in that policy; however, because of the Lifetime coverage. As long as you continue to renew your pet’s system after the age limit, your pet gets the Lifetime coverage.
As much as the Guardian insurance wants to protect your pet, there are still certain conditions that exclude your pet from getting coverage. Some of the exclusions are pre-existing conditions or symptoms of conditions that were treated before but still needs further treatments right after the approval of your policy. Dental problems or oral diseases are also not part of the inclusions. And even though you can add the routine care, elective treatments are not part of the additions, so it is also not part of the Routine care. Before enrolling into any insurance plans, you must carefully read and understand the terms and conditions so you will be able to find the best fit for your furry family members
Why we like
Guardian Pet Insurance
Positive Customer Reviews: According to online review site
https://www.furbabyinsurance.com.au/, Guardian pet insurance has gotten a lot of positive client evaluations over the past few years. With a current rating of 3.3 out of 5 stars, the supplier has received appreciation for its professionalism, promptness, and quality service. Several loyal clients have expressed their thanks for what Guardian has given them.
Reimbursement Method: Guardian offers three different levels of coverage, however the key distinction between each level is the reimbursement rate. To discover the plan that works best for your pet and your wallet, you can essentially choose how much you want to receive back when you file a claim, whether that's Bronze's 60%, Gold's 75%, or Platinum's 80%.
No Excess: With Guardian pet insurance, you won't have to worry about paying an excess when filing a claim, regardless of the level of coverage you select. It is important to note that while this might undoubtedly make filing a claim easier on your budget, especially for lesser claims, it may result in higher rates than policies with an excess. Before applying, make sure you're getting the best offer by reviewing our comparison table for pet insurance.
Low Price: According to our comparison table, Guardian presently has one of the lowest premiums we've seen. As a result, Guardian might be a good alternative to consider if you're seeking for a cheap one. (Keep in mind, though, that the premium you pay will vary depending on your circumstances and your pet.)
Older Pets Are Covered: Unlike some plans, which only let you apply for protection until your pet becomes eight or nine, the Bronze plan from Guardian Pet Insurance starts providing coverage at age 15 for older pets. Additionally, it offers lifelong coverage across all three plan levels, allowing you to continue renewing the insurance without interruptions once your pet is insured and benefit from coverage for the rest of your life.
Access GapOnly & Simple Claims: In contrast to some other providers, Guardian provides pet owners with access to GapOnly, a feature that enables real-time claims at the veterinarian, leaving only the gap to be paid. If you don't want to utilise GapOnly or your veterinarian doesn't accept it, you can use the "fast and easy" claims method offered by Guardian, which also offers pre-approval on claims.
Emergency boarding: What would happen if you were confined to the hospital with no one to look after your pet? Because emergency boarding is covered by Guardian pet insurance, you can claim up to $500 or $1,000 for your pet's stay in authorised kennels if you have the Bronze or Gold or Platinum plan.
Traveling to or from Norfolk Island or New Zealand with your pet? Up to the claim limits of your plan, you can take advantage of coverage for vet visits on journeys lasting up to 60 days.
What's good about
Greencross Pet Insurance
One of the top pet insurers in the globe, The Hollard Insurance Company Pty Ltd, underwrites Guardian pet insurance.
It has several possibilities, in contrast to many pet insurance that only offer 2, thus it can be advantageous if you want more options.
The maximum reimbursement for paralysis tick treatment is $2,000, which is more than many other insurers will pay.
