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 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 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 |
| 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)
|
| Consultations |
$300 |
$300 |
$300 |
| Waiting periods |
30 days for illness and tick paralysis
6 months for cruciate ligament conditions |
30 days for illness and tick paralysis
6 months for cruciate ligament conditions |
30 days for illness and tick paralysis
6 months for cruciate ligament conditions |
^Pre-existing Conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits and sub-limits may apply. A $2,000 annual condition limit is applicable to Bronze Accident and Illness Cover.
* 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 |
| Accidental Injury |
We’ll cover injuries from accidents like burns, snake bites, and motor vehicle incidents. |
Yes |
| Illness |
We’ll cover up to $12,000 a year in eligible vet bills for a range of illnesses. Excluding 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 |
If you are hospitalised for over five days in a row and can’t care for your pet, we’ll cover your pet for emergency boarding up to the benefit limit. |
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 |
Pre-existing Conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits and sub-limits may apply. A $2,000 annual condition limit is applicable to Bronze Accident and Illness Cover.
Our routine health 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 |
- 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
|
# May be covered under our optional routine care cover.
For a full list of exclusions, see the Guardian Pet Insurance Policy Booklet.