Australia Post Pet Insurance
What types of pet insurance does Australia Post offer?
Australia Post pet insurance offers three levels of cover:
- Gold Pet Insurance: comprehensive plan that covers your dog or cat for unexpected accidental injuries, illness and optional pet wellbeing services. Receive up to 80% of eligible vet bills back, with a benefit limit of up to $15,000 a year.
- Silver Pet Insurance: covers your dog or cat for unexpected accidental injuries, illness and optional pet wellbeing services like worming, microchipping and obedience training. Claim up to 80% of your eligible vet bills back, with an annual benefit limit of $10,000.
- Bronze Pet Insurance: covers accidental injuries and illness. Get up to 65% of eligible vet bills back, with a benefit limit of $3,000 a year. Australia Post says this is its most affordable pet insurance product.
What type of pets does Australia Post pet insurance cover?
Australia Post pet insurance covers dogs and cats.
What is not covered by Australia Post pet insurance?
Australia Post says that it does not cover vet expenses/costs relating to pre-existing conditions, dental care, day-to-day care or elective procedures and treatments. It also does not cover certain listed treatments, conditions, services and procedures.
Read Australia Post’s Product Disclosure Statement (PDS) for a full list of exclusions. You also may want to consider what illnesses your pet may need coverage for.
What is the age limit for pets covered by Australia Post pet insurance?
Australia Post says its Gold, Silver and Bronze pet insurance plans are available for pets who are at least eight weeks old. If your pet is over nine years old, Australia Post says it will only be eligible for its Bronze Pet Insurance plan.
Once your pet is accepted, Australia Post says you can insure your pet for life provided you continue to renew your pet insurance policy.
Australia Post pet insurance FAQs
Australia Post does not state that you need to provide your pet’s medical records in order to apply for and take out its pet insurance. However, Australia Post says you will need to provide your pet’s medical history as part of the claims process.
Australia Post says that on all of its pet insurance plans you can choose any vet you like for your dog or cat, as long as they are licensed and currently registered in Australia.
Australia Post’s Gold Pet Insurance has an annual benefit limit of up to $15,000 a year, its Silver Pet Insurance has an annual benefit limit of up to $10,000 a year, and its Bronze Pet Insurance has an annual benefit limit of up to $3,000.
Australia Post says it will pay up to 80% of your eligible vet bills on its Gold and Silver Pet Insurance plans, and up to 65% of your eligible vet bills on its Bronze Pet Insurance plan.
If you’re looking to take out a health insurance policy, you can compare your options using Canstar’s pet insurance comparison tables. You can then either get a quote on Australia Post’s website or call Australia Post.
You can lodge a claim with Australia Post either through your vet, online or by mail. Australia Post says some vets may be able to submit your claim directly through their computer system. For online and mail claims, you’ll need to attach copies of your vet receipts, any supporting documentation (for example consultation notes) as well as your pet’s medical history.
Australia Post says you’ll need to submit your claim within 90 days of your pet having the treatment. It says that most eligible claims are paid within five days into your bank account or by cheque.
Australia Post says it will automatically renew your pet insurance policy if you do not change or cancel it before the renewal date. For the renewal premium calculation, Australia Post says it will consider a range of factors including your pet’s age, breed, location, duration for which it has been insured, claims history and data relating to the health of pets that are of a similar age and breed. Australia Post also says it may change the terms and conditions of your policy upon renewal.
Consider comparing pet insurance policies before renewing your existing policy. You can view a range of pet insurance policies on Canstar’s database:
Australia Post is a government-owned corporation that provides mail services throughout Australia. It says it regularly visits over 11.7 million addresses across the country. Australia Post also offers insurance products such as travel, home and contents, car and pet insurance.