Here is a list of common questions some of our customers have. This should help you find out any important details about our great cover options.
How much of my vet bills are covered?
The portion of vet bills covered by your policy depends on the plan you choose.
With our Platinum Accident and Illness Cover, you’ll get back up to 80% of eligible vet bills. Gold Accident and Illness Cover will cover up to 75% of eligible vet bills. Our Bronze Accident and Illness Cover covers up to 60% of eligible vet bills.
All policies have a maximum annual limit of $12,000 a year. With our Bronze Accident and Illness Cover, there is a $2,000 annual limit for each separate condition your pet is treated for.
At what age can I insure my pet?
Do I need to pay any excess when making a claim?
Is my pet covered for hereditary or congenital defects?
When will my policy begin?
Can I insure more than one pet?
Are there any exclusions?
Are my pet’s ongoing/chronic conditions covered?
Who is the underwriter for Guardian Pet Insurance?
How are my premiums calculated?
Will my premiums increase every year?
What is GapOnly®?
How does GapOnly® work?
Can I request pre-approval for GapOnly® claims?
How do I know if my vet offers GapOnly®?
What if my vet doesn’t offer GapOnly®?
What if GapOnly® does not cover any of my treatment costs?
When are GapOnly® claims available?
How long does it take to process a GapOnly® claim?
Can I use GapOnly® for all vet treatment costs?
Can my GapOnly® claim be processed before I pick up my pet?
What is a pre-existing condition?
How do I apply to have a pre-existing condition reviewed?
Can I check if my pet’s upcoming treatment costs will be covered?
Get cover today
Help keep your pet at their absolute best with top quality care when they get sick or injured.