It’s hard to put a price on the joy and companionship a pet brings. So, don’t let potentially expensive vet bills stop you giving your dog or cat the treatment they deserve.
Guardian Pet Insurance helps cover the cost of your pet’s care, with up to 80% of eligible vet bills covered^, and no excess. We have three great value plans to choose from and offer lifetime cover for as long as we continue to offer the product, provided there are no breaks in cover, and subject to the terms and conditions of the policy. So, you can keep them happy and healthy, now and in the future.
Our levels of cover
Guardian Pet Insurance offers three levels of cover for your cat or dog, so you can choose what’s right for you and your pet.
| Benefit |
Platinum |
Gold |
Bronze |
| Specified Accidental Injury Cover |
Yes |
Yes |
Yes |
| Illness Cover |
Yes |
Yes |
Yes |
| Percentage of eligible vet bills covered |
Up to 80% |
Up to 75% |
Up to 60% |
| Maximum annual benefit |
$12,000 |
$12,000 |
$12,000
($2,000 annual condition limit applies)
|
| Eligibility |
8 weeks old and younger than 9 years of age |
8 weeks old and younger than 9 years of age |
8 weeks old and younger than 16 years of age |
| Tick paralysis – annual benefit |
$1,200 |
$1,000 |
A $2,000
(annual condition limit applies)
|
| Emergency boarding fees – annual benefit |
$1,000 |
$1,000 |
$500 |
| Routine care benefit (optional extra) |
Yes |
No |
No |
| Cruiciate Ligament |
$2,600* |
$2,600* |
$2,000
(annual condition limit applies)
|
| Consultation fees – annual benefit (for conditions covered by your policy) |
$300 |
$300 |
$300 |
| Waiting periods |
- No waiting period for specified accidental injuries
- 30 days for Illnesses
- 6 months for cruciate ligament Conditions (may be waived on application – refer to the relevant Policy Booklet)
|
^ Terms, conditions, exclusions, benefit limits and sub-limits may apply. A $2,000 annual condition limit is applicable to Bronze Accident and Illness Cover.
+ Provided there is no break in cover, with cover subject to the terms and conditions of your renewal policy.
* You may be eligible for a higher limit and if so, this will be specified in your certificate of insurance.
Our benefits
Guardian Pet Insurance helps you give your pet the best of care, with cover of up to 80% of your vet bills for a range of common events. Remember, you can use your own vet, and there’s no excess when you claim. Here’s what you’ll be eligible to be covered for:
| Benefit |
What’s covered? |
Included |
| Specified Accidental Injuries |
0–day waiting period for specified accidental injuries such as burns, snake bites and motor vehicle incidents (refer to your Policy Booklet for further information) |
Yes |
| Illness |
This coverage pays out a benefit in the event your pet contracts an illness. Examples of illnesses that may be covered under illness cover include:
- Cancer treatments
- Skin conditions
- Eye/ear conditions
- Ingestion of a foreign object
- Gastrointestinal problems
- Hereditary and congenital conditions
- Intervertebral disc disease (IVDD)
- Tick paralysis
Excluding some pre-existing conditions+ and certain specified illnesses#
|
Yes
(a 30-day waiting period applies)
|
| Tick paralysis |
We’ll cover treating your pet for a paralysis tick bite |
Yes
(a 30-day waiting period applies)
|
| Essential euthanasia |
A time may come when it’s kinder to say goodbye to your dog or cat, rather than continue to watch them suffer. If essential euthanasia is required as a result of a condition covered under your policy and you need to make this difficult decision, your plan covers the cost up to the benefit percentage#
|
Yes |
| Emergency boarding |
You’ll be paid up to the benefit percentage for expenses incurred by you (up to the sub-limit) for boarding your pet at a licensed kennel or cattery if you’re hospitalised for one or more consecutive days during your policy period or require emergency accommodation due to family violence+ |
Yes |
| Overseas cover |
We’ll even cover your family’s cat or dog when they’re travelling to New Zealand or the Norfolk Islands with you |
Yes |
| Routine care (optional extra) |
With our Platinum Accident and Illness Cover, you can choose Optional Routine Care to enjoy extra benefits of up to $80 for specified vet treatments like vaccinations, flea, ticks or worm control, teeth cleaning and more |
Optional extra, available with our Platinum Cover |
+ Terms, conditions, exclusions, benefit limits and sub-limits may apply. A $2,000 annual condition limit is applicable to Bronze Accident and Illness Cover.
# If a condition exists or occurs before the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18-month period – refer to your Policy Booklet for more information regarding pre-existing conditions.
Our routine care cover
Available with our Platinum Accident & Illness Cover, routine health cover gives you a single annual extra benefit towards costs for routine vet care. Here’s what’s included:
| $50 annual benefit for one of the following: |
PLUS $15 annual benefit for each of the following: |
- De-sexing
- Microchipping
- Heartworm preventative medication
- Teeth cleaning
- Council registration fees
- Alternative therapies for pets
- Prescription diets
- Dewclaw removal
- Cremation or burial
- Behavioural therapy (by a qualified animal behaviourist or vet)
- Dental illness treatment
- Obedience training (at a recognised training facility)
- Flea, tick or worm control
- Vaccinations or health checks
|
- Heartworm tests or blood screening
-
FeLV/FIV
tests or urinalysis
|
For more on how this works, refer to the relevant Policy Booklet.
Our exclusions
Guardian Pet Insurance offer cover for a range of benefits including accidents and illnesses however like any insurance – we can’t cover everything. Here are some things we won’t pay a benefit for:
| Illness or injury caused by… |
Other exclusions |
- Pre-existing conditions*
- A malicious act, deliberate injury or gross negligence by you, or someone living with you
- Your failure to take all reasonable precautions to care for your pet, including not following your vet’s recommendations
- Breeding or obstetrics
- Dental problems or oral disease
- Grooming or bathing your pet
|
- Ambulance fees and non-essential hospitalisation
- Behavioural problems or conditions caused by behavioural problems
- Training, socialisation, therapy and alternative therapies#
- Pet food, vitamins or dietary supplements, even when prescribed by a vet
- Preventative/routine items such as routine health checks, flea/tick/worm control and vaccinations#
- Elective treatments, including desexing#
- Medication that is not approved by the APVMA unless agreed by us in writing
- Organ transplant surgery, artificial limbs or prosthetics
- Genetic/chromosome testing or cell replacement therapies
|
* If a condition exists or occurs before the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18-month period – refer to your Policy Booklet for more information regarding pre-existing conditions.
# May be covered under our optional routine care cover up to a limit.
For a full list of exclusions, see the Guardian Pet Insurance Policy Booklet.