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The protection your pet deserves

Pet Insurance for Dogs and Cats

Your cat or dog is an important part of your life and a source of endless joy and companionship for you and your family. So, nothing should stop you giving them the best of care, especially when they’re sick or injured. That’s when Guardian Pet Insurance can help.

Guardian Pet Insurance covers up to 80% of eligible vet bills*, with three great value plans to choose from, no excess to pay and the freedom to choose any registered vet in Australia. Best of all, once your dog or cat is insured, as long as you keep your pet’s policy in force, they can remain covered for life. So you can give them the care they deserve, no matter what happens down the track.

It only takes a few minutes to protect your precious pet. Simply call us on 1300 709 560 or get a pet insurance quote online now.

* Exclusions, limits and sub-limits and annual condition limits may apply. Benefit Percentage will vary depending on the level of cover selected.

More information about Pet Insurance

Product information

Overview

Vet care in Australia seems to get better every year – but it also seems to become more and more expensive. And unfortunately, there’s no equivalent to Medicare for cats or dogs. Guardian Pet Insurance gives you the peace of mind of knowing that when your pet is ill or injured, you can give them the high-quality treatment they deserve.

Guardian Pet Insurance gives you three value-for-money pet insurance plans to choose from, and by adding the optional Routine Care Benefit to your Platinum Accident and Illness Cover, you can have a contribution towards the cost of some regular, everyday care, including teeth cleaning, worm, flea and tick control and even vaccinations. So you can keep your pet healthy year-round, while looking after them when they are sick.

The benefits of pet health insurance

  • Cover your pet for up to 80% of eligible vet bills, up to a maximum of $12,000 each year*
  • Visit any vet registered in Australia (and in some cases, New Zealand)
  • Choose between three great value pet insurance plans – Bronze (Accident and Illness), Gold (Accident and Illness) or Platinum (Accident and Illness) – with flexible fortnightly, monthly or annual premium payments
  • Enjoy stress-free claims, with fast processing and personalised service
  • Relax, knowing your pet is protected by The Hollard Insurance Company – one of the world’s leading insurers

* Terms, conditions, exclusions, benefit limits and sub-limits may apply. A $2,000 annual condition limit is applicable to Bronze Accident and Illness Cover. Benefit Percentage will vary depending on the level of cover selected.

Cover levels

At Guardian, we understand that pets come in all shapes and sizes. That’s why we offer three different plans, to suit the pet in your family’s life and your budget.

Platinum Accident and Illness Cover

Guardian Platinum Accident and Illness Cover is our premium cover for the precious cat or dog in your life. It helps protect them against both specified accidental injuries and illnesses, paying up to 80% of eligible vet bills, to a maximum of $12,000 per year^. You can even choose to add an optional routine care benefit to your Platinum Accident and Illness Cover, to help pay for up to $80 a year for everyday essential treatments like vaccinations, flea and worm control and vital health checks. So, you can relax knowing that you won’t need to compromise on care. Dogs and cats aged between 8 weeks old and younger than 9 years old are eligible for cover when first joining.

Gold Accident and Illness Cover

Guardian Gold Accident and Illness Cover is our standard plan, with cover for up to 75% of eligible vet bills from specified accidental injuries and illnesses, to a maximum of $12,000 per year^. So, you can relax knowing your pet insurance will help you provide the care your beloved pet needs. With no joining fee and no excess to pay, it’s great value protection for your four-legged friend. Dogs and cats aged between 8 weeks old and younger than 9 years old are eligible for cover when first joining.

Bronze Accident and Illness Cover

As much as you love your pets, you can’t always be there to protect them. Our animals are vulnerable to accidents, snake bites and the like. By taking out a Guardian Bronze Accident and Illness Cover pet insurance plan, you’ll have the peace of mind of knowing that up to 60% of eligible vet bills will be covered for both specified accidental injuries and illnesses, to a maximum of $12,000 per year ($2,000 per condition)^. Dogs and cats aged older than 8 weeks of age and younger than 16 years old are eligible for cover when first joining.

^ Terms, conditions, exclusions, benefit limits and sub-limits may apply. A $2,000 annual condition limit is applicable to Bronze Accident and Illness Cover.

FAQ

Why is pet insurance so important?

What percentage of my vet bills will pet insurance cover?

I have a new puppy/kitten. Can I insure them?

Will I have to pay an excess?

Does pet insurance cover hereditary and congenital defects that my pet might have?

As my pet gets older, will I still be able to insure them?

When will my policy start?

How do I make payments?

When can I claim?

What happens if I have more than one pet?

Are there any exclusions?

Are ongoing conditions covered for the life of the pet?

Who is the underwriter?

How do you calculate my premium?

Will my premium increase every year?

Will my premium increase even if I don’t submit claims?

Is my premium calculated the same way as my Private Health Insurance?

What is GapOnly?

I’d like to use GapOnly, what do I need to do?

Can I get a pre-approval for a GapOnly claim?

How do I know if my vet uses GapOnly?

What if my vet doesn’t have GapOnly?

What if my GapOnly claim does not cover any of my treatment costs?

When are GapOnly claims available?

How long does a GapOnly claim take to process?

Can I use GapOnly for all vet treatment costs?

Can my GapOnly claims be processed before I pick up my pet?

What is a Pre-existing Condition?

Does Guardian Pet Insurance cover pre-existing conditions?

How do I apply to have a pre-existing condition reviewed?

Can I seek pre-approval of my pet’s upcoming treatment?


  • 30-day money
    back guarantee
  • No medical exam
    No blood test to apply
  • Worldwide cover 24/7

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