Q. What does Petsecure Vet Expenses Insurance cover? A. Petsecure covers vet costs for treatment and surgeries for accidents and illnesses ranging from minor problems like ear infections and bee stings to major issues such as broken bones, or chronic (recurring) conditions such as diabetes and cancer. You can choose to cover your dog or cat for Accident and Illness. You can choose a benefit payment option of either 75% or 85%. This means that, depending on the option you choose, we will pay either 75% or 85% of your eligible vet’s bills, up to the annual limit. Accident & Illness Cover will pay up to $12,000 per year for accidental injuries and illnesses. When you choose Accident and Illness Cover you can add Wellness Care as well. Wellness Care pays towards the cost of keeping your pet healthy by paying up to $145 for a range of treatments including vaccinations, de-sexing, micro-chipping, teeth cleaning, heartworm, flea, tick and worm control. Q. Does Petsecure insure pets other than cats & dogs? A. Petsecure pet insurance covers only cats and dogs at this point in time. Q. What happens if my cat or dog gets a condition that doesn’t go away (chronic condition)? A. As with other conditions covered by your policy, cover for these conditions, such as cancer, arthritis and diabetes will be covered up to the applicable annual benefit limit, as shown on your Certificate of Insurance, provided the policy is renewed annually without any break in cover and there is no change in the level of cover after age 9. Q. What is defined as an accidental injury? A. An accidental injury 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. Q. What is defined as an illness? 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. Q. What is a cruciate ligament? A. There are two cruciate ligaments in the knee. They attach the thigh bone to the shin bone. They allow the knee to flex and extend and they stablilse the joint. It can just be a simple slip on uneven ground or slippery floor that can cause a cruciate rupture. Of the two ligaments, the one that most often gets damaged is the anterior cruciate ligament. If this happens the joint becomes unstable as a result there would be intense pain and inflamation would occur. Your vet will be able to diagnose a cruciate rupture, generally by touch, and advise the best treatment, often this means surgery. There is a limit on claims for cruciate ligament conditions of $2,600 per annum, but you may be eligible for a lhigher limit and if so this will be specified on your Certificate of Insurance. Q. Is euthanasia covered? A. Yes, euthanasia is covered if it is medically necessary. Q. Do you cover hereditary and congenital conditions? A. Yes, as long as they were not present or showed clinical signs prior to joining Petsecure Vet Expenses Insurance (ie a pre-existing condition). Petsecure does not exclude breed specific conditions. Q. Do you provide cover for tick paralysis treatment? A. Yes, when you select Accident & Illness Cover, your cover includes $500 benefit per year toward vet costs resulting from treatment for paralysis ticks. Q. Can I cover my pet if I take it on holiday with me? A. Yes, your pet is covered for eligible vet expenses incurred anywhere in Australia. Your pet will also be covered by their Petsecure policy whilst travelling in a country that does not require your pet to enter quarantine on re-entry to Australia.

Q. How much can I claim each year? A. With Petsecure there is no limit on individual claims. If you select Accident & Illness cover, you can claim up to $12,000 each year. The amount you are paid for each eligible vet's bill depends on the plan you choose. You can choose from the 85% plan which pays $85.00 out of every $100 of eligible vet's bills claimed, or a 75% plan which pays $75.00 out of every $100 of eligible vet's bills claimed. If you select the 75% plan, the premium is cheaper as the benefit paid for each claim is lower, but you can still claim up to $12,000 each year with Accident & Illness cover. Q. Are there any excess payments? A. No. With Petsecure we will pay either 75% or 85% of eligible vet’s bills, up to the annual maximum amount payable ($12,000). Q. Are there any limits on payments? A. With Petsecure there is an annual limit of $2,600 for cruciate ligament conditions, and $300 per year for consultations. For all other claims we pay either 75% or 85% of the vet's bill - depending on the benefit level you have selected. There are no individual limits on claims. Q. What if I don’t incur $12,000 worth of vet bills for Accident & Illness cover – do I get money back? A. Petsecure is there to help with the unexpected, and whilst it may seem unimaginable that you could be faced with vet bills of $12,000 or more in one year, the reality is that even for a simple accident the costs can mount up to thousands of dollars. Remember with advancement in technology, we now have access to life saving treatments for our dogs and cats that was unheard of even 10 years ago. Unfortunately this means that veterinary costs can mount up, often into the thousands of dollars. Similar to insurance for your car or home & contents, you do not get anything back if you do not make a claim. But remember that it could only take one serious incident to get back what you may have paid in premium, and some more. Vet expenses insurance is an important measure to help give you the peace of mind of knowing that if you are faced with unexpected and costly vet bills, there will be insurance in place to help with the cost.

FAQs Archive - PetSecure

Can I cancel my pet’s policy?

You may cancel your policy at any time. We understand circumstances can change and would like to see if we can help keep your cover active. Please call our customer service team on 1300 855 160, or email petsecure@petsure.com.au There are no lock in contracts, so if you do decide to cancel, we will issue [...]

2023-05-01T16:54:25+10:00By Liz Walden|Comments Off

How do I update or change my payment details?

We can change and update your payment details over the phone in minutes. Please give us a call on 1300 855 160 and we can sort it out immediately.

2019-08-21T17:30:30+10:00By Liz Walden|Comments Off

How is the cost of pet insurance calculated?

In order to ensure a fairer method of setting pet insurance premiums, Petsecure have moved away from what is known as "community rated" premiums where all pets pay the same premium no matter what risk profile they present. In Australia, Health Insurance premiums for humans are "community rated" as it would disadvantage older people significantly [...]

2019-06-04T11:45:57+10:00By Liz Walden|0 Comments

Vet fees and services

Q. Why is vet care so expensive? A. There is no government support for your pet's health care, so sometimes vet care can appear expensive. Added to this there are many treatment options available today, and they are continually developing treatments for pets. However, when you compare veterinary fees with other professional service fees, they [...]

2021-09-14T13:39:18+10:00By Liz Walden|0 Comments

Is my pet eligible for cover?

Q. When is a pet too old for Petsecure pet insurance? A. Your pet must be less than 9 years old to be accepted for our Accident & Illness Cover. Once Petsecure pet cover is in place you can keep it for life as long as we continue to offer the cover and provided there [...]

2021-09-14T13:40:38+10:00By Liz Walden|0 Comments

What’s covered?

Q. What does Petsecure Vet Expenses Insurance cover? A. Petsecure covers vet costs for treatment and surgeries for accidents and illnesses ranging from minor problems like ear infections and bee stings to major issues such as broken bones, or chronic (recurring) conditions such as diabetes and cancer. You can choose to cover your dog or [...]

2021-09-14T13:42:38+10:00By Admin|0 Comments

What’s not covered?

Q. What's not covered? A. The intention of Petsecure Pet Insurance is to help cover unforeseen vet expenses associated with pet ownership which means not all expenses are covered, and like most insurance policies there are some exclusions which help keep your premiums low. These include: pregnancy, dental care, elective procedures, foods/diets, grooming, behavioural problems, day [...]

2021-09-14T13:46:42+10:00By Admin|0 Comments

What’s paid?

Q. How much can I claim each year? A. With Petsecure there is no limit on individual claims. If you select Accident & Illness cover, you can claim up to $12,000 each year. The amount you are paid for each eligible vet's bill depends on the plan you choose. You can choose from the 85% [...]

2021-09-14T13:49:38+10:00By Admin|0 Comments

How much does pet insurance cost?

Q. How can I save money on my premiums? A. To lower your premium you can select the 75% benefit payment option. With Petsecure you also have the flexibility of fortnightly or monthly payment options. With fortnightly and monthly payments there is a collection fee, per collection, so you can also save money by paying [...]

2021-09-14T13:50:59+10:00By Admin|0 Comments