Pet Insurance Australia review
Pet Insurance Australia 4.8/5
A reputable supplier of all-inclusive and reasonably priced pet insurance for cats and dogs is Pet Insurance Australia. Pet Insurance Australia offers pet owners financial security and peace of mind with a variety of coverage options to fit their needs, as well as those of their pets, and their budget. Their experienced and amiable customer service staff is committed to provide outstanding help and direction throughout the claims process. Pet Insurance Australian can help you protect your pet.
Here are the basic Details for the company:
Name - Pet Insurance Australia
Claim Address - Pet Insurance Australia, Locked Bag 9021 Castle Hill, NSW 1765
Phone number - 1800 043 552
Pet Insurance Australia is a family-owned business and has been serving its fellow pet lovers for 12 years now. They believe that being passionate about bringing care and protection to your pets is the key to their success.
Insurance Australia Ltd. promotes the PIA Pty, and PetSure Australia administers them. The Hollard Insurance Company also underwrites them.
The family-owned business has three insurance covers that you can choose. The Pet Essentials cover is the primary insurance plan of the company. Its policy covers up to 90% of all your vet expenses for accidental injuries and illnesses with an up to $1,000 per condition per year. Your pet also gets an emergency boarding benefit of up to $500 per policy period, which consists of accommodations at their recommended licensed pet boarding facility. The emergency boarding benefit will only take effect if you get hospitalized for five or more consecutive days or if the boarding is due to family violence.
Your pet also gets covered while you are on overseas travel to New Zealand and Norfolk Island. So there is no need to panic if ever your pet encounters a medical situation.
However, due to the annual limit, there will be a significant portion of the bills that you need to pay yourself aside from the covered invoice. If your pet is below eight years, there will be at least 10% of the total bill that you need to cover. And if your pet is older than eight years old, at least 35% of the total vet bills will be shouldered by you.
Also, the 90% reimbursement rate reduces to 65% of your renewal reaches your pet reaches its eighth birthday.
The Comprehensive coverage of PIA offers benefits for both accidental injuries and illnesses. Once you get the coverage, your pet gets entitled to a reimbursement rate of up to 80% per policy period less any excess of your choice. Your pet also gets to have the emergency boarding benefit and the overseas travel insurance along with the tick paralysis treatment benefit. In the tick paralysis benefit, the company pays up to $1,000 per policy year for all treatment of tick paralysis.
For the Major Medical cover offers veterinary treatments for accidental injuries and illnesses plus the optional add-on called Routine Care. The cover also includes up to 80% of all your eligible vet expenses less any excess that you incur – $0, $100, or $200 excess options per condition. Aside from that, your pet also gets the emergency boarding benefit up to $1,200 per policy period and overseas travel insurance when you and your pet travel to NZ and Norfolk island. Also, the tick paralysis treatment of up to $1,200 sub-limit as part of the inclusions.
What we like about the policies of PIA are the discounts that you receive if you enrol more than one pet. If you register a second pet, you get an additional 5% off, 10% for the third pet, and fourth pet and above receive a discount of 15%.
However, there are certain things to consider with PIA. If you go to their website, their presentations for the policies are a bit confusing since some of the necessary information on the website did not get tackled. So if you want to make sure you are getting the best-fit policy for your pet, it is better to research more about it and read the terms and conditions carefully.
Why we like
Pet Insurance Australia
Looking to save money on your pet insurance policy? To get new clients to sign up, companies like Pet Insurance Australia frequently provide initial discounts. Intro deals often give a fixed discount or the first one or two months' premiums are free. Before submitting an application for Pet Insurance Australia, view our complete list of coupons and discounts to see how much you may save.
Cost: Although introductory discounts might be a wonderful way to reduce payments in the first year, it's crucial to consider the overall cost of any pet insurance plan before you apply. According to our cost survey, the premiums for Pet Insurance Australia plans were actually cheaper than the national average.
Good Reviews: Even though they rarely present the full picture, reading what other customers have to say about a given supplier might help you decide whether or not to sign up. Reviews on
https://www.furbabyinsurance.com.au/ give Pet Insurance Australia an overall high rating (4.2 stars at the time of writing), praising the company's customer service, ease of filing claims, and track record of timely payouts.
Ability to customise coverage with a choice of excess amounts is something we want to see on pet insurance plans. Fortunately, Pet Insurance Australia gives clients the choice of choosing an excess of $0, $100, or $200. This enables consumers to either pay less at the time of a claim with no excess or less on their premiums with a greater excess. Notably, Pet Essentials cover has no excess.
Incremental Multi-Pet Discount: While many pet insurance companies provide discounts for having multiple pets, we don't frequently come across ones that also provide incremental discounts. Pet Insurance Australia offers an incremental discount of 5% for each extra pet you insure, up to a maximum discount of 15%, which works well for clients who have a multi-pet home. For instance, if you insured a second, third, and fourth pet, you would receive discounts of 5%, 10%, and 15%, respectively.
See Any Vet: Although though visiting any certified vet in Australia is possible with Pet Insurance Australia, this benefit is nowadays quite standard with pet insurance policies.
GapOnly: Although this feature is becoming more prevalent, it is still important to note that GapOnly is a significant selling point for Pet Insurance Australia consumers. When you visit a participating veterinarian, you can use this function to make a claim in real time and just pay the difference.
Simple Claims & Pre-Approval: It's good to know that Pet Insurance Australia is ranked for its simple claims process, which can be accessible via its web portal, should you decide to pursue the more traditional route for claims. If you wish to obtain pre-approved for treatment before you visit the vet, the provider also offers pre-approval.
Lifelong Cover: This is yet another attribute that is essentially universal yet is no less useful because of its widespread use. If you begin coverage with Pet Insurance Australia before the plan's cut-off date and then continue to renew your policy without any gaps in coverage, you can enjoy lifelong coverage for your pet.
Extras: Pet Insurance Australia offers a few extras on all policy levels that you, as a pet owner, may find useful. Emergency boarding charges come first. If you need housing because of domestic violence or are hospitalised for one or more consecutive days, this provides coverage up to the sub-limit of your plan for boarding at a licenced boarding facility. Furthermore available is pet travel insurance abroad. Even while this only protects your pets for travel within New Zealand or Norfolk Island, it might still be useful if your pet has to see a veterinarian while you're travelling there.
Included with Major Medical Insurance is Routine Care Cover if you want to benefit from coverage for routine medical treatment. This can cover up to $145 in claims annually (with caps in place for specific products), including preventative care like immunisations, deworming, and dental cleaning.
What's good about
Pet Insurance Australia
It's Important When compared to the majority of other providers on Furbaby, who typically only cover 80% of your veterinary expenses, cover reimbursement rate of 90% goes far.
The Large Medical policy from PIA is the only one of the 13 policies we examined that automatically include routine care with an annual cap on dental cleanings and immunisations.
You can opt to have 80% or 90% of your veterinary expenses paid for. Your premiums will be less expensive the lower the percentage. Only 4 other policies out of all allow you to do this.
