Guardian Pet Insurance details
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. There are three great value plans to choose from, and once your pet is insured, you can continue to cover them for life. So you can keep them happy and healthy, now and in the future.
Our options
Guardian Pet Insurance offers three affordable dog insurance and cat insurance plans, so you can choose the level of cover that’s right for you budget – and your pet.
| Benefit |
Platinum |
Gold |
Silver |
| Accidental Injury Cover |
Yes |
Yes |
Yes |
| Illness Cover |
Yes |
Yes |
No |
| Percentage of eligible vet bills covered |
Up to 80% |
Up to 75% |
Up to 80% |
| Maximum annual benefit |
$12,000 |
$12,000 |
$8,000 |
| Tick paralysis – annual benefit |
$1,200 |
$1,000 |
No |
| Emergency boarding fees – annual benefit |
$1,000 |
$1,000 |
$500 |
| Routine care benefit |
Yes |
No |
No |
| Cruiciate Ligament |
$2,600* |
$2,600* |
$2,600* |
| Consultations |
$300 |
$300 |
$300 |
* 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’re covered for:
| Benefit |
What’s covered? |
Included |
| Accidental Injury |
We’ll cover injuries from accidents like burns, snake bites, and being hit by a car. |
Yes |
| Illness |
With our Gold and Platinum pet insurance plans, we’ll cover up to $12,000 a year in vet bills for a range of illnesses, excluding pre-existing conditions and certain specified illnesses. |
Yes With Gold and Platinum Cover |
| Tick paralysis |
With our Gold and Platinum pet insurance plans, we’ll cover treating your pet for a paralysis tick bite. |
Yes With Gold and Platinum Cover |
| 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 you need to make this difficult decision, your plan covers the cost of essential euthanasia.
Note: With Silver cover, the essential euthanasia must be as a direct result of an accident.
|
Yes |
| Emergency boarding |
If you are hospitalised and can’t care for your pet, we’ll cover your pet for emergency boarding (conditions apply). |
Yes |
| Overseas cover |
We’ll even cover your family’s cat or dog when they’re travelling overseas with you. |
Yes |
| Optional routine care |
With our Platinum Accident and Illness Cover, you can choose Optional Routine Care to enjoy extra benefits for specified vet treatments like vaccinations, flea, ticks or worm control, teeth cleaning and more. |
Yes With Platinum Cover |
Our routine health care cover
Available with our Platinum Pet Insurance Plan, 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, see the Policy booklet.
Our exclusions
Guardian Pet Insurance covers most types of veterinary treatment for your pet. But – 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 |
- A pre-existing condition
- 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
- Treatment while your pet is used for commercial or occupational purposes, such as racing, pig hunting or guarding (Guide dogs and Assistance Dogs are exempt from this exclusion)
- 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
- 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
|
For a full list of exclusions, see the Guardian Pet Insurance Policy Booklet.