Insuranceline Pet Insurance

InsuranceLine is a provider of pet insurance, life insurance, income protection insurance and funeral 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 the InsuranceLine website, 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 do InsuranceLine offer?

InsuranceLine offers two levels of pet insurance cover – Accident Only or Accident and Illness. It also has optional extras including Routine Care.

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.

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What breed of pets does InsuranceLine pet insurance cover?

The InsuranceLine pet insurance policy only covers domestic cats and dogs. However, if it believes that your cat or dog is unlawfully kept (for example, security dogs or racing greyhounds) it has the right to refuse cover.

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How do you take out pet insurance from InsuranceLine?

You can purchase a InsuranceLine pet insurance policy either online, or over the phone by calling call InsuranceLine Pet Insurance on 13 77 87.

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Insuranceline FAQs

InsuranceLine expressly lists some illnesses and injuries as exclusions that are not covered by its pet insurance.

  • Pre-existing conditions – If your furry friend has suffered or undergone treatment for a particular condition, and you decide to switch pet insurance providers, it may not be covered under your new policy. Always declare pre-existing conditions when first making an application.
  • Day-to-day care – InsuranceLine won’t cover the regular day-to-day expenses of owning a pet, which can include: regular or dietary pet food, vaccinations, micro chipping, flea/worm/tick control, shampoo, collars/leads and dog beds etc.
  • Breeding – If you have bought dogs or cats with the specific purpose of breeding them, InsuranceLine won’t cover any injuries or conditions that arise as a result.
  • Dental Care – This can include dental procedures, gingivitis and treatment of diseases or fractures, teeth cleaning or teeth removal.
  • Failure To Take Care – InsuranceLine won’t cover any treatment of conditions caused either deliberately or negligently, by you towards your pet. A few examples of this include leaving the gate open, forgetting to feed your pet, the ingestion of hazardous substances and an unsafe living area.

It’s important to read the Product Disclosure Statement (PDS) 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.

InsuranceLine actually has no age limit for its Accidental Injury Cover. Its Accidental Injury and Illness Cover option specify dogs and cats between eight weeks and nine years old. 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.

Every pet insurance provider is different, and while many don’t require medical records, you may be asked a few questions upon application. These are usually to determine any pre-existing conditions your pet may have, and whether they will be covered under your policy.

Yes, InsuranceLine allows you to use any veterinarian that you prefer, provided they are licensed to legally practise in Australia.

Yes, it does. Both of its policies have an annual benefit limit of $10,000.

The annual benefit limit and claim terms and conditions for InsuranceLine are outlined in the Product Disclosure Statement (PDS). Find out more about pet insurance benefit limits and how much you can claim here.

For the Basic Cover, you will have up to 80% of veterinary fees reimbursed. Make sure to read the PDS as the full reimbursement you receive, and premiums you pay will depend on the age of your pet and your level of cover.

You can lodge a claim with InsuranceLine by completing and submitting a pet insurance claim form, which can be found online. You must submit the claim within 90 days of the appointment or when the treatment was received and make sure you bring the claim form to the appointment with you as the vet has to fill out a section and sign it.

Your InsuranceLine 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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Established in 1999, Insuranceline is backed by TAL insurance and has provided cover for more than 750,000 Australians.

With over five and a half million families living in Australia, Insuranceline goes by a simple philosophy: that everyday Australians should have access to straightforward insurance they can trust.

The peace of mind customers get from knowing they (and their pets) are protected isn’t a luxury, which is why Insuranceline aims to provide flexible and affordable pet insurance with real financial security.

Accidental Injury and Illness plus Routine Care

Canstar Research
Award: Outstanding Value Pet Insurance

Dog Breed

1 year old

2017 Star Ratings Report

Written by: Regina Collins | Last updated: