Sugeries, procedures, medications, diagnostics and specialist treatment for pets can amount to considerable sums when your pet is sick, injured or experiencing an emergency. Unfortunately, there is no Medicare of Pharmaceuticals Benefit Scheme in pet healthcare like there is in human healthcare, so it is up to the owner to be prepared for costs when it comes to their pet being injured or ill. A $1,000 - $7,000 bill is not uncommon when you take into account diagnostic testing, medications and consultations, and potentially specialist referrals.
Pet insurance is becoming more and more popular in Australia. It offers you peace of mind as it covers some or all of the treatment costs if your pet was ever involved in an accident or suffers a sudden illness. There is no equivalent of Medicare for pets, thus often treatment costs exceed what an equivalent problem would cost for a human patient. Did you know that 24 hr emergency care for animals can cost over $1000 per day? Some surgeries such as repair of fractured bones or exploratory surgery can also add up to thousands of dollars and that does not even include the recovery and aftercare treatment. It is a heartbreaking situation to have to choose between the health of your pet and financial constraints, so for peace of mind we strongly recommend that your pet is insured.
I have an Insurance Claim
If you already have pet insurance and you'd like to make a claim, we have put together an easy step-by-step guide to help you give us the information we need to help you organise your claim - please follow this process each time you need paperwork for an insurance claim.
PLEASE FOLLOW THESE STEPS:
1. Go to your insurance company's website and download a CLAIM FORM
2. Fill in your claim form and SAVE IT
3. Choose which option you would like to submit your claim by and click on the appropiate option;
I would like to make an ONLINE CLAIM
I would like to make a POSTAL CLAIM
4. Fill in the email, attach your claim form and send all the details to us. YOU WILL NEED;
What you are claiming for
The dates you are claiming
Is this your first claim?
Have you attached your CLAIM FORM?
5. Allow 3-4 BUSINESS DAYS for us to check and complete your insurance history, after which we will email you the history, receipts and claim form.
6. Go to your insurance company's website and SUBMIT YOUR CLAIM, along with your claim form, history and receipts.
Some helpful hints:
Keep a copy of your claim form saved on your computer - that way, you have it handy every time you want to make a claim!
Save this website address to your favourites - you can then easily find it when you need to send us your details for each insurance claim.
If your pet's condition requires further Vet visits, wait until the illness or problem has been fixed - that way, you only need to submit one claim, rather than lots of small ones.
Check your policy and Insurance provider's website for their requirements when submitting a claim - every company is different, so you will save yourself headaches if you check prior to submitting a claim.
Choose what you claim for - if your claim is only slightly over your excess limit, or it is for something that is fairly minor, you might want to consider not submitting a claim - depending on your policy, you may find this will allow you to claim more for big procedures, or surprise illnesses, or keep your premium from rising next year.
What does Pet Plan pet insurance cover?
For illness & injury, including hospitalisation, referral & complementary medicines
Losing a dog is a great sadness but we will refund the purchase price
Nothing can replace a loved dog but we will refund the purchase price
Or homecare with a friend if you are hospitalised for more than 4 days
If your dog gets lost or stolen we will pay for local newspaper advertising & a reward
If your dog is not found despite all efforts we will refund the purchase price
If your dog has urgent surgery or goes missing up to 7 days before or while you are away
If your Dog causes damage or injury, and you are legally liable
You need to consider the differences between policies, in particular the claim excess amount, proportion of treatment costs covered, annual claim limit, age restrictions, pre-existing illness exclusions and policy costs.
We highly recommend pet insurance and encourage you to discuss it with us at your next visit.