Guardian Pet Insurance


Guardian Insurance is a provider of pet insurance, life insurance, income protection insurance, funeral insurance and accident insurance.

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The table below displays a snapshot of pet insurance policies with accident and illness cover on Canstar’s database with links to providers’ websites, sorted by Star Rating (highest to lowest). These results are based on cover for a one-year-old medium dog breed.

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What types of pet insurance does Guardian Insurance offer?

Guardian Insurance offers Silver Accident Cover, and two levels of Accident and Illness cover: Gold and Platinum.

If you’re unsure as to which kind of pet insurance is most appropriate for you, or would like to better understand the different levels of cover, check out our guide to the different kinds of pet insurance.

What breed of pets does Guardian Insurance pet insurance cover?

Guardian Insurance covers dogs of small, medium and large breeds, as well as cats.

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How do you take out pet insurance from Guardian Insurance?

You can purchase a Guardian Insurance pet insurance policy online. If you need help applying, call Guardian Insurance on 1300 709 560 (8am-8pm AEST Mon-Fri).

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Guardian Insurance FAQs

Guardian Insurance expressly lists some illnesses and injuries as exclusions 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 they have an age limit on their 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 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. More details on claiming with Guardian can be found here.

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

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Guardian Insurance is a trading name of Greenstone Financial Services (GFS). GFS has partnered with Hannover Life Re of Australasia Ltd, which is the insurer of the Guardian range of products.

Guardian Insurance aims to offer a range of straightforward and hassle-free insurance solutions to suit every stage of its member’s lives.

It also aims to empower Australian families to take control of their insurance needs through providing a wide range of personal insurance products. The good thing about its policies is that members can tailor their life insurance package to suit their needs. Some of the optional covers include cover for children, serious illness, total and permanent disability, and accident.

Platinum plus Routine Care Cover

Award: Outstanding Value Pet Insurance

Dog Breed

1 year old

2017 Star Ratings Report

Written by: James Hurwood | Last updated: