FAQ's

A. Petsecure covers vet costs for treatment and surgeries for accidents and illnesses ranging from minor problems such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer.

You can choose to cover your pet for Accident only or Accident and Illness. We will pay up to 80% of the vet’s bill and you have a choice of Per-Condition-Excess to help you lower your premiums!

Plus you can add the Wellness Care option to your cover. Wellness Care pays toward the cost of keeping your pet healthy. It pays up to $135 per year for a wide range of treatments including vaccinations, desexing, micro-chipping, teeth cleaning, heartworm, flea, tick and worm control.

A. Petsecure insurance covers only cats and dogs at this point in time.

A. An accident is an unforeseen event that results in visible, physical or bodily injuries to your pet. For example broken bones, dog and cat fight, or a motor vehicle accident.

A. An illness means an unexpected sickness or disease or any change to your pet’s normal healthy state which is not caused by injury to your pet. For example upset stomach, skin conditions, ear infection, poisoning.

A. A Per-Condition-Excess is an amount (you can choose either $50, $100 or $200) that is deducted only once from your claim for each accident or illness condition treated during the period of cover, which is not related to any other accident or illness treated during the same period of cover. You may submit multiple claims for the same accident or illness. For example, your pet has an ear infection and requires follow up visits therefore only one Per-Condition-Excess applies because it is related to the same incident.

A. Like most insurance policies there are some exclusions which help keep your premiums low. These include: pregnancy, elective procedures, foods/diets, grooming, behavioural problems, and pre-existing conditions that showed clinical signs before taking out the insurance.

A. Yes, euthanasia is covered if it is medically necessary.

A. Yes, you have the choice to utilse any licensed vet in Australia.

A. Yes, you can upgrade to a higher cover on your policy renewal date or at any time as long as you haven’t made a claim on your current level of cover.

A. Puppies and kittens, just like children are more likely to develop an illness or injury than an adult pet because they are less coordinated and their immune system has not yet fully developed. So, we suggest insuring as soon as possible to avoid unexpected surprises that may result in a pre-existing exclusion on your policy, preventing your pet from getting full cover.

But just because your pet isn’t a puppy or kitten doesn’t mean you can’t or shouldn’t get pet insurance as just like humans, as pets age they get sicker and have more and higher vet bills than when they were young.

A. Never, there is no upper age limit to join our Accident Cover but your pet must be less than 9 years old to be accepted for our Accident and Illness Cover. Once cover is in place you can keep it for life.

A. Yes, as long as they were not present or showed clinical signs prior to joining Petsecure Vet Expenses Insurance. Petsecure does not exclude breed specific conditions.

A. Just like some dogs cost more to feed, their vet care costs more too. Some breeds of dog are more likely to contract certain illnesses or develop certain genetic conditions than others and may cost more to treat. Petsecure provides cover for these breeds and the hereditary and congenital defects they may acquire unlike some other pet insurance brands. To cover these additional costs certain breeds incur a supplementary premium of $8.20 per month for the Accident and Illness Cover only. If your pet is either a pure breed or part breed of any of the following breeds, it is classified as a special breed: Akita, Alaskan Malamute, Belgian Shepherd, Bernese Mountain Dog, Bull Dog (all breeds), Bull Terrier, Chow Chow, Deerhound, Douge DeBordeaux, Flat Coated Retriever, German Shepherd, Golden Retriever, Great Dane, Grey Hound, Irish Wolf Hound, Leonberger, Mastiff (all breeds), Newfoundland, Old English Sheepdog, Pyrenees Mountain Dog, Rhodesian Ridgeback, Rottweiler, Shar-Pei, St Bernard, Tibetian Mountain Terrier.

A. Yes, Petsecure will provide $500 per year toward vet costs resulting from treatment for paralysis ticks.

A. Yes, your pet is covered anywhere in Australia.

A. You may cancel the policy within 14 days of the start of the cooling-off period and as long you have not made a claim, any premium you have paid will be refunded in full.

A. You can choose an annual Per-Condition-Excess of either $50, $100 or $200. The higher the Per-Condition-Excess the lower the premium.
You can also avoid the fortnightly or monthly debit charge by paying your premium annually.

A. You have the option to pay your premium fortnightly, monthly or annually via credit card or direct debit from your bank account. In the case of fortnightly or monthly payments, an additional $1.00 per debit is charged.

A. Yes. You can qualify for a maximum 10% discount by either insuring two or more pets, or if you hold a Pension Card or have an assistance dog (such as a guide dog), or are a Doggie Rescue member. 

A. Making a claim for is easy. All claims are to be completed on a Petsecure claim form. You and your vet will need to complete the appropriate sections on the form. Then just send your completed claim form together with all original itemised invoices and payment receipts to:

Petsecure
Claims Department
Locked Bag 9021
Castle Hill, NSW 1765

A. No, you don’t need to wait. You can make a claim at any time.

A. You can make a claim even on holiday. Just follow the normal claim request by downloading a claim form and mail all relevant original documents to us.

A. There is no waiting period for accident claims – you can claim as soon as your policy is effective. A 30-day waiting period applies for illness claims.

A. You can receive a refund up to a maximum of 80% of all eligible vet treatments costs. However, we will reimburse you to the annual maximum of $6,000 subject to the Per-Condition-Excess.

A. Yes, please attach only original itemised invoices and payment receipts. This will help us process your claim quickly and accurately.

A. To make it simple for you, your policy is automatically renewed, as long as premium payments are current and up-to-date.

A. For enquiries you may contact us through any of these methods:

A. To make sure that we have all necessary details, please write to us to cancel your cover. We will refund any premium you have paid less any amount that covers the period insured as long as you have not made a claim.