Guardian Pet Insurance

Guardian Insurance lists some illnesses and injuries that are not covered by its pet insurance. These include pregnancy, elective procedures, grooming, behavioural problems and pre-existing conditions.

It’s important to read the Product Disclosure Statement to find any exclusions listed in a policy and to also consider what illnesses your pet may need coverage for. For more information about what’s not covered by some pet insurance policies, check out our list of 13 common pet insurance exclusions.

Guardian Insurance will only insure a pet under its Gold or Platinum policies if the pet is older than eight weeks and younger than nine years. There is no upper age limit for a Silver policy. You can find more details about this in the Product Disclosure Statement.

It’s important to check with your chosen provider to see if it has an age limit on policies – older pets tend to be more expensive to cover as they are much more likely to suffer from illness or injury than younger pets.

Alternatively, you can look for a policy that offers lifetime renewal, which means your provider won’t cancel your policy due to an ageing pet, as long as you continue to meet your requirements as a customer.

No, Guardian Insurance says it does not require medical records for it to insure your pet. However, if you want to try and insure your pet despite a pre-existing condition, you may need to submit veterinary records that verify that your pet has recently been free of signs/symptoms of said condition. Read the Product Disclosure Statement for more information.

Yes, Guardian Insurance lets you use any vet licensed to practice in Australia.

Yes, your Guardian pet insurance policy will have a maximum annual benefit limit of either $12,000 (Gold and Platinum policies) or $8,000 (Silver policies). The annual benefit limit, claim terms and conditions for each policy is outlined in the Product Disclosure Statement. Find out more about pet insurance benefit limits and how much you can claim here.

Guardian allows you to receive a reimbursement of up to either 80% (Silver and Platinum policies) or 75% (Gold policies) of your eligible vet costs. The reimbursement you receive will depend on the age of your pet and your choice of insurance cover.

You can lodge a claim with Guardian Insurance either online or by post.

Your Guardian Insurance pet insurance policy will automatically renew if you choose not to alter or cancel it after receiving your renewal notice. If you’re not sure whether to renew or switch, here’s our guide to renewing your pet insurance policy.

Make sure you consider comparing pet insurance policies before simply renewing the same policy, so that you continue to get outstanding value insurance at the right price:

Compare Pet Insurance