Australian Unity Pet Insurance
When it comes to our pets, we love to spoil them with the best: designer accessories, organic food, and cozy beds. But the one thing that truly matters is their health. At some point, our pets may need unexpected veterinary care. And, as many pet owners know, vet bills can quickly add up, sometimes costing thousands.
That’s where Australian Unity Pet Insurance steps in, helping cover those unexpected costs and ensuring your pet gets the treatment they need when they need it most. With Australian Unity, you can get back up to 80% of eligible vet bills for accidents and illnesses, easing the financial burden of emergency visits or ongoing treatments. The cover options cater to different needs, from basic protection to more extensive cover with the Platinum plan.
Whether looking for something straightforward or more comprehensive, Australian Unity allows you to choose the plan that suits your pet’s health and budget.
Australian Unity covers many conditions and treatments. The Bronze plan covers basic vet bills for accidents and illnesses. In contrast, the Silver, Gold, and Platinum plans offer more benefits, including dental illness and higher annual claim limits.
The best part? These plans also cover hereditary and congenital disabilities if there were no noticeable signs or symptoms before the policy started or during any applicable waiting period.
| 🔎 Company Name | 🥇 Australian Unity Pet Insurance |
| 📌 Founded | 1840 (Australian Unity) |
| 📍 Headquartered | Chatswood, NSW, Australia |
| 📉 Administered By | PetSure (Australia) Pty Ltd, ABN 95 075 949 923, AFSL 420183 |
| 📈 Number of Plans | 4 Plans: Bronze, Silver, Gold, Platinum |
| 💶 Plans Price Range | $21.91/month (Bronze) to $69.82/month (Platinum) for indoor cats, $42.40/month (Silver) to $69.82/month (Platinum) for 2-year-old dogs |
| 🐱 Species Covered | Cats and Dogs |
| 🐶 Breed Restrictions | Not specified, but breed could impact premiums based on health risks |
| 📊 Age Limits for Cover | 8 weeks to 9 years for Gold & Platinum, 8 weeks to 15 years for Bronze & Silver |
| 💹 Annual Maximum Cover | $20,000 for Bronze, Silver, and Gold; $30,000 for Platinum |
| 💱 Maximum Limit per Claim | Varies with cover level and claim type |
| 🩺 Routine Care Benefits | Optional: covers vaccinations, flea treatments, check-ups, etc. |
| 👩⚕️ Diagnostic Testing Benefits | Covered under specified conditions |
| 💊 Medication Benefits | Covered as part of illness and injury claims, dependent on policy terms |
| 🌡️ Hospitalisation Cover | Covered for eligible conditions, subject to policy terms and limits |
| 🦠 Chronic Care Support | Not specified, but chronic conditions are excluded from coverage |
| 🤕 Accidental Cover | Covered for specified accidental injuries in all plans |
| 🤒 Illness Cover | Available in Silver, Gold, and Platinum plans for specified illnesses |
| 🦷 Dental Care | Available as an optional benefit (Gold and Platinum); specific conditions covered |
| 🦴 X-ray Benefits | Covered for specified conditions like fractures and traumatic injuries |
| ❤️ Lifetime Cover | None |
| ☎️ 24/7 Vet Advice Line | Via myPetPass™ |
| 🎁 Multi-pet Discounts | Yes, available |
| 🖱️ Online Claims Submission | Available through Pet Portal, also via participating vets with GapOnly® |
Australian Unity Pet Insurance Regulations and Administration
You must understand the administration of your pet insurance to know how your policy works, who’s responsible for what, and how claims are handled.
Australian Unity Pet Insurance is administered by PetSure (Australia) Pty Ltd, a company dedicated to overseeing the policies and ensuring claims are processed efficiently.
| 🔎 Company | ↪️ Role |
| 1️⃣ PetSure (Australia) Pty Ltd | Administers the policies, manages claims, and ensures ongoing policy management |
| 2️⃣ Pet Insurance Pty Ltd (PIPL) | Distributes and promotes the policies as an authorised representative of PetSure |
| 3️⃣ Hollard Insurance Company | Handles renewals for policies issued before November 2023 |
Unique Advantages of Australian Unity Pet Insurance
Australian Unity Pet Insurance offers several features that make it a strong choice for pet owners:
- Up to 80% reimbursement on eligible vet bills for accidents and illnesses, easing the financial burden.
- Easy access to customer support for claims, whether it’s an emergency or a general inquiry.
- Flexible excess levels to adjust premiums based on your budget.
- Plans range from basic (Bronze) to comprehensive (Platinum), with dental illness coverage on higher-tier plans.
- GapOnly® service allows you to pay only the gap at participating vets, so no waiting for reimbursement.
- myPetPass™ gives discounts on pet essentials like food, medications, and flea treatments.
- Existing Australian Unity members get a discount on their pet insurance premiums.
- Coverage for conditions like cancer and hereditary issues, as long as symptoms don’t appear before the policy starts.
Australian Unity Pet Insurance offers a well-rounded and affordable solution for pet owners looking for flexible coverage and added benefits.
Australian Unity Pet Insurance Awards and Recognition
Australian Unity Pet Insurance has earned several prestigious accolades in the pet insurance industry, reflecting its commitment to providing high-quality and reliable pet cover.
- Mozo Experts Choice Award 2023 – Exceptional Value Comprehensive Pet Insurance
- Mozo Experts Choice Award 2023 – Pet Insurance Provider of the Year
- Mozo Experts Choice Award 2023 – Exceptional Quality Pet Insurance
- Mozo Experts Choice Award 2023 – Exceptional Value Accident & Illness Pet Insurance
These awards further solidify Australian Unity’s reputation as a top choice for pet insurance.
📌 READ more about Best Pet Insurance Providers
Eligibility for Pet Insurance with Australian Unity
Australian Unity makes the process straightforward for Australians to get pet cover. However, there are a few important eligibility details, including the following:
- Bronze Cover for Indoor Cats: Available for cats older than 8 weeks but younger than 15 years.
- Silver Cover for Dogs: Available for dogs older than 8 weeks but younger than 15 years.
- Gold and Platinum Cover: Available for cats and dogs, but only for pets older than 8 weeks and younger than 9 years.
There’s no need for vaccinations to apply for cover, though for full details on what’s covered, you can always check the Product Disclosure Statement (PDS).
Pet Insurance Customer Support with Australian Unity
Australian Unity provides multiple ways to get in touch and receive support. Whether you need to submit a claim, track its status, or have questions about your coverage, Australian Unity offers several convenient tools to help you every step of the way.
Phone Support
Contact the customer support team at 1300 855 663 for general inquiries or immediate assistance.
Pet Portal
A secure online platform where you can manage your claims, submit documents, and track the progress of your claims. This gives you 24/7 access to your policy details.
Although the exact email address isn’t listed, Australian Unity encourages customers to use the contact form on their website for email queries.
Postal Address
For any mail-related inquiries, you can contact the administration at Level 1, 465 Victoria Avenue, Chatswood, NSW 2067, Australia.
Handling Complaints
Australian Unity has a structured process for resolving any concerns you may have. If you ever feel the need to raise a complaint, here’s how the process works:
Immediate Response
A quick resolution is possible for most concerns, often on the phone. If the issue can’t be resolved immediately, it’s formally treated as a complaint, and they’ll acknowledge it within one business day.
Internal Dispute Resolution
If you are unsatisfied with the initial response, your complaint will be escalated to the Internal Dispute Resolution team for further review. They’ll provide a written response within one business day of reviewing your issue.
External Dispute Resolution
If the issue remains unresolved, or if you haven’t received a final written response within 30 days, you can take your complaint to the Australian Financial Complaints Authority (AFCA), an independent body that helps resolve disputes at no cost to you.
With multiple support channels and a clear complaints process, Australian Unity ensures that assistance is always available when you need it.
Pet Insurance Premiums
When choosing a pet insurance policy with Australian Unity, you must understand the factors determining premiums. With Australian Unity, you have flexibility in how much you pay based on the coverage you want and key factors influencing your pet’s premium.
What Affects Your Premium?
Age and Breed of Your Pet: Older pets or certain breeds with higher health risks tend to have higher premiums. For example, breeds more prone to specific health issues may cost more to insure.
Health Status: If your pet has had previous health issues, this could increase the premium, as they may be at higher risk for future health problems.
Level of Cover: The more comprehensive the cover, the higher the premium. If you want extra benefits, such as dental coverage or higher vet bill reimbursement, this will impact your monthly cost.
Excess Amount: Choosing a higher excess (the amount you pay out-of-pocket when making a claim) can lower your premium. Your monthly payments can be reduced if you’re willing to take on more of the upfront cost.
Claims History: If your pet has had a history of frequent claims, your premium could go up as the insurer may consider your pet a higher risk.
Location: Where you live can also affect your premium. Vets in some areas charge higher rates, which can be reflected in your insurance premiums.
Example Premiums
To give you an idea of what premiums look like for different pets, here’s a breakdown:
| 🔎 Pet Type | 🥉 Bronze Cover | 🥈 Silver Cover | 🥇 Gold Cover | 💎 Platinum Cover |
| 🐶 Labrador (2 years, not desexed) | $42.40/month | $61.61/month | $69.82/month | $69.82/month |
| 🐱 Domestic House Cat (2 years, not desexed) | $21.91/month | $31.82/month | $36.52/month | $36.52/month |
As you can see, premiums vary depending on the pet’s breed, age, and coverage level. Choosing a higher level of coverage (like Gold or Platinum) will increase the monthly cost but will give you more comprehensive protection for things like accidents, illnesses, and dental care.
Cooling-Off Period
If you change your mind about the pet insurance policy, Australian Unity offers a 30-day cooling-off period, where you can cancel your policy and get a full refund, as long as no claims have been made. This gives you time to review your plan and ensure it’s the best option for your pet.
Cover and Benefits Comparison
Before choosing a pet insurance plan with Australian Unity, you must know the differences between cover options to find the one that fits your pet’s needs.
Australian Unity offers four plans: Bronze, Silver, Gold, and Platinum. Each level provides different benefits, so you can choose the right cover for your pet’s needs and budget.
Australian Unity Pet Insurance Plan Options
| 🔎 Cover Plan | 💊 Key Conditions Covered | 💶 Annual Benefit Limit | 📌 Exclusions | 📍 Additional Features |
| 🥇 Bronze | Covers conditions like cancer, poisoning, gastrointestinal problems | Up to $10,000 | Pre-existing conditions, grooming, elective surgeries | Optional dental illness benefit, routine care |
| 🥈 Silver | Accidents and illnesses like tick paralysis, heat stroke, arthritis | Up to $20,000 | Pre-existing conditions, cosmetic treatments | Emergency pet boarding, routine care |
| 🥉 Gold | Accidents, illnesses, and optional dental illness cover | Up to $20,000 | Pre-existing conditions, cosmetic treatments | Dental illness cover, routine care |
| 🏅 Platinum | Comprehensive cover for accidents, illnesses, and dental illness | Up to $20,000 | Pre-existing conditions, elective procedures | Dental illness cover, emergency boarding |
Our Analysis of Plans
Bronze Cover
Bronze Cover is a solid choice for indoor cats, covering specific conditions like cancer, gastrointestinal problems, and poisoning. It’s perfect for younger, generally healthy cats who need cover for several illnesses.
While dental illness coverage is available as an optional add-on, note that this plan doesn’t cover pre-existing conditions or grooming.
Silver Cover
Silver Cover expands the Bronze plan by covering more conditions, including tick paralysis and arthritis. It’s great for pet owners who want more protection without going to a higher-tier plan.
This plan also includes emergency pet boarding if you can’t care for your pet due to hospitalisation, and routine care can be added.
Gold Cover
Gold Cover includes everything from the Silver plan but adds dental illness cover, making it ideal for pets needing dental care. This plan perfectly covers common illnesses and accidents and ensures dental health.
Routine care benefits are available, so you can manage vaccinations and check-ups without worrying about extra costs.
Platinum Cover
The Platinum plan offers the most comprehensive cover, including accidents, illnesses, and dental conditions. If your pet requires ongoing treatment or you want full coverage for unexpected situations—like emergencies or dental issues—this is the plan to consider.
The plan is for pets with more complex needs or owners who prefer to cover all bases with fewer exclusions. Plus, it includes emergency boarding and a range of optional add-ons.
Waiting Periods
| 🔎 Condition Type | ⏰ Waiting Period |
| ⏱️ Specified Accidental Injuries | Immediate (0 days) – Cover starts as soon as your policy begins for accidental injuries |
| ⏲️ Routine Care (Vaccinations, Check-ups, Flea Treatments) | Immediate (0 days) – Covered right away for routine care items like vaccinations and regular check-ups |
| ⌚ Specified Conditions | 21 days – Includes conditions like gastrointestinal problems, cancer, poisoning, and arthritis |
| ⏰ Illnesses (e.g., tick paralysis, heat stroke) | 21 days – For illnesses like tick paralysis, heart disease, and gastrointestinal issues |
| ⏱️ Dental Illness Benefit | 6 months – Applies for dental issues such as gingivitis, abscesses, and medically necessary teeth removal |
| ⏲️ Cruciate Ligament Conditions | 6 months – For cruciate ligament injuries, this waiting period may be waived with the "Cruciate Ligament Form" |
| ⌚ Emergency Pet Boarding | Immediate (0 days) – Cover starts immediately for emergency pet boarding, such as in cases of hospitalisation or family violence |
Optional Add-ons
| 🔎 Optional Add-on | 🥉 Bronze Cover | 🥈 Silver Cover | 🥇 Gold Cover | 💎 Platinum Cover |
| 🦷 Dental Illness Cover | Available (Optional) | Available (Optional) | Included | Included |
| 🥰 Routine Care | Available (Non-insurance Benefit) | Available (Non-insurance Benefit) | Available (Non-insurance Benefit) | Available (Non-insurance Benefit) |
| ⭐ Emergency Pet Boarding | Available (Optional) | Available (Optional) | Available (Optional) | Available (Optional) |
What doesn’t Australian Unity Pet Insurance Cover?
Knowing what your pet insurance doesn’t cover is important, so you’re not caught off guard. Australian Unity has clear exclusions that apply across all plans, ensuring that you have realistic expectations.
| 🔎 Exclusion | 🥉 Bronze Cover | 🥈 Silver Cover | 🥇 Gold Cover | 💎 Platinum Cover |
| 📉 Pre-existing Conditions | Excluded | Excluded | Excluded | Excluded |
| 📈 Hereditary and Congenital Conditions | Excluded | Excluded | Excluded | Excluded |
| 📊 Chronic Conditions | Excluded | Excluded | Excluded | Excluded |
| 💹 Behavioural Conditions | Excluded | Excluded | Excluded | Excluded |
| 💊 Elective Treatments | Excluded | Excluded | Excluded | Excluded |
| 🎀 Grooming and Cosmetic Procedures | Excluded | Excluded | Excluded | Excluded |
| 🦠 Flea, Tick, Worm Treatments | Excluded | Excluded | Excluded | Excluded |
| 🅰️ Alternative Therapies | Excluded | Excluded | Excluded | Excluded |
| 🅱️ Experimental or Trial Treatments | Excluded | Excluded | Excluded | Excluded |
| ↪️ Consequential Losses | Excluded | Excluded | Excluded | Excluded |
| 🥺 Lack of Protection for Your Pet | Excluded | Excluded | Excluded | Excluded |
| ▶️ Diagnostic and Testing Exclusions | Excluded | Excluded | Excluded | Excluded |
How Do I Sign Up for Pet Insurance with Australian Unity?
Here’s a simple guide to help you through the application process and get your pet covered:
Check Pet Eligibility: Ensure your pet is over 8 weeks and under 9 years old. They should also be living with you and under your care.
Review Available Plans: Choose from Bronze, Silver, Gold, or Platinum plans. Each plan offers different coverage levels. You can also select add-ons like dental illness cover or routine care, depending on the plan.
Start the Application: Visit the Australian Unity website or contact customer service to begin. You’ll need to provide your pet’s details, such as breed, age, and medical history, to determine the right plan.
Double-Check Information: Make sure all details are correct, including your pet’s information and your contact details.
Choose Your Payment Method: Select from annual, monthly, or fortnightly payments based on what fits your budget.
Submit Your Application: Once everything is in place, review your details and submit your application. You’ll receive a certificate of insurance confirming your coverage.
Receive Policy Documents: After processing, you’ll get your policy documents, including the certificate of insurance. Keep these for future reference.
Once your policy is active, you can use it for eligible vet expenses. Be sure to track claims and follow the process outlined in your policy.
How Do I Submit a Pet Insurance Claim with Australian Unity?
Here’s a simple guide to help you navigate the claims process, whether you’re submitting through your vet, the Pet Portal, or by post:
Pre-Approval (Optional but Recommended)
- Request pre-approval for treatment costs before your pet receives care.
- Submit an estimate and your pet’s medical records (you or your vet can do this).
- After treatment, keep the itemised invoice and any veterinary notes provided.
Submit the Claim
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Via the Vet (GapOnly®): If your vet is enrolled in GapOnly®, they can submit the claim for you. You’ll only pay the “gap” (the difference between the vet’s invoice and the insurance coverage).
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Via the Pet Portal: Log in to the Pet Portal to submit your claim. Upload documents like invoices, receipts, and medical records, and track your claim’s progress.
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By Post: To submit a paper claim, mail the completed claim form along with the itemised invoice and medical records. Your vet must fill out and sign the necessary sections of the claim form.
Claim Review and Payment
- Once submitted, Australian Unity will review the claim details, invoices, and medical history to check coverage.
- If more information is needed, they’ll contact you or your vet for clarification.
- If approved, payment will be made to you or the vet directly, depending on how the claim was submitted.
If there’s an excess (the amount you’re responsible for), you’ll need to pay it directly to your vet.
Australian Unity Pet Insurance Pricing vs. Value for Money
Australian Unity Pet Insurance provides different cover levels with premiums that reflect the benefits and features offered. The cost of each plan will suit different pet owners’ needs and budgets, with different levels of coverage for illnesses, accidents, and optional add-ons.
Based on our review and getting a few quotes from the system, here’s a breakdown of how the premium pricing corresponds to the coverage provided at each level:
| 🔎 Cover Level | 🐕 Labrador (2 years, not desexed) | 🐈 Domestic House Cat (2 years, not desexed) | 🩷 Price-to-Value Verdict |
| 🥉 Bronze | $42.40/month | $21.91/month | Good Value for Basic Protection: Ideal for healthy pets with minimal health risks. Affordable essential cover |
| 🥈 Silver | $61.61/month | $31.82/month | Great Value for Enhanced Cover: This offers broader cover for a reasonable price. Perfect for those seeking more protection |
| 🥇 Gold | $69.82/month | $36.52/month | Excellent Value for Comprehensive Care: Provides extensive cover with added benefits, a solid option for pets with higher health risks |
| 💎 Platinum | $83.70/month | $43.13/month | Best Value for Full Cover: Offers the most protection, great for pets with significant health needs |
Australian Unity Pet Insurance Policy Renewal, Cancellation, and Changes
Understanding the processes of policy renewal, cancellation, and changes is important to managing your Australian Unity Pet Insurance cover. Each process has specific steps and requirements that ensure your pet remains covered without unwanted surprises. Here’s the information and process:
| 🔎 Process | 🅰️ Key Details | 🅱️ Conditions or Requirements |
| 1️⃣ Renewal | Automatic renewal unless opted out | Renewal notices are sent at least 14 days before the expiry |
| 2️⃣ Cancellation by You | Pro-rata refund for annual payments; no refund for installments after cancellation | Request in writing or through contact methods |
| 3️⃣ Cancellation by Us | Policy can be canceled for non-payment, misrepresentation, or fraudulent claims | Must rectify payment issues within 14 days |
| 4️⃣ Changes to Policy | Adjust cover, add benefits, or modify excess | New waiting periods may apply; changes issued on a new policy |
Australian Unity Pet Insurance vs Bupa vs AAMI
| 🔎 Provider | 🥇 Australian Unity | 🥈 Bupa | 🥉 AAMI |
| 📉 Policy Types Offered | Bronze, Silver, Gold, Platinum | Basic Accident Cover, Standard Cover, Ultimate Cover | 4 options: Silver, Gold, Platinum (dogs); Bronze, Gold, Platinum (cats) |
| 📈 Excess/Deductible Amount | Flexible excess options available | Options of $0, $100, or $200 excess | $0, $250, $500 |
| 📊 Waiting Period for Cover | Immediate for accidents and routine care, 21 days for illnesses, 6 months for dental | Accident cover starts immediately; Illness cover has a 30-day waiting period | 21 days for illness; 0 days for accidental injury |
| 💹 Pre-existing Condition Cover | None | Not covered | Not covered |
| 🅰️ Co-payment Percentage | No co-payment, reimbursement up to 80% | Bupa reimburses up to 80% of eligible vet bills | 20% of the vet bill for claims |
| 🅱️ Refund Percentage for Claims | Up to 80% for accidents and illnesses | Bupa reimburses up to 80% of eligible vet bills, depending on the plan | 80% of eligible vet costs |
| ❤️ Covered Treatments | Accidents, illnesses, dental (Gold & Platinum), hereditary & congenital disabilities | Accidents, illnesses, consultations, emergency boarding, etc. | Accidents, illness, surgery, dental illness (Platinum), chronic conditions (Gold/Platinum) |
| 🩷 Emergency and Critical Care | Covered for eligible conditions | Covered under the Standard and Ultimate plans | Covered, with up to $1,500 for emergency boarding (Platinum) |
| ✈️ Travel Insurance for Pets | None | Covers veterinary expenses while travelling in New Zealand (up to 60 days) | Not covered |
| 3️⃣ Third-party Liability | None | Not covered | Not covered |
| 🚨 In-Hospital and Outpatient Care | Covered for eligible conditions | Covered for accidents and illnesses | Covered |
| ↪️ Pet Loss and Theft Cover | None | Not covered | Not covered |
| 💶 Reimbursement Method | GapOnly® for on-the-spot claims; otherwise, reimbursement after claim processing | Claims submitted online via the Pet Portal or through GapOnly® for on-the-spot claims at participating clinics | Direct to vet via GapOnly® or reimbursement to the owner |
| 💵 Payout Limit per Condition | Varies | Sub-limits apply (e.g., tick paralysis or cruciate ligament conditions) | Varies by plan; up to $30,000 annual coverage (Platinum) |
| 📌 Pet Age Limit for New Enrolments | Up to 9 years for Gold & Platinum, up to 15 years for Bronze & Silver | 8 weeks to under 9 years | Dogs: 6 months – 9 years; Cats: 8 weeks – 9 years |
| 📍 Behavioural Therapy Cover | None | Not covered | Not covered |
| 💊 Preventive Care Benefits | Available as an optional add-on | Available as an add-on (vaccinations, desexing, health checks, microchipping) | Optional add-on for routine care (vaccinations, flea treatments, etc.) |
| ➡️ Multi-pet Cover Limitations | Available with individual policies for each pet | 5% discount for each additional pet; eligibility depends on each pet’s age and health | Each pet has an individual cover, with potential multi-pet discounts |
Additional Australian Unity Pet Insurance Features
myPetPass™ – Your Ticket to Extra Pet Perks
As an Australian Unity Pet Insurance customer, you get access to myPetPass™, a set of benefits to make pet care more affordable and accessible.
Key Features of myPetPass™:
- 24/7 Vet Consultations for immediate advice from Australian-registered veterinarians through video consultations to address your pet’s health concerns without leaving home.
- Discounted Prescription Medications: 30% off pet prescription medications through PetScripts.
- Flea, Tick, and Worm Treatments Discounts: Save 20% on parasite prevention treatments.
- Discounts on Premium Pet Food: Get 20% off Purina PRO PLAN® pet food.
Tips and Useful Information on Pet Insurance
In addition to the great features of your policy, Australian Unity Pet Insurance also provides helpful articles on pet care and insurance. These resources cover important topics to make life easier for you and your pet.
Australian Unity Pet Insurance Discounts
Australian Unity Pet Insurance offers valuable discounts to help make pet cover more affordable. Here’s what you can save.
5% Discount for Existing Australian Unity Customers
If you’re already a customer with Australian Unity for products like health insurance, banking, or general insurance, you’re eligible for a 5% discount on your pet insurance premium.
The discount applies for the first year of your policy and continues each year if you maintain your other Australian Unity products.
myPetPass™ Benefits
As an Australian Unity Pet Insurance customer, you also unlock extra perks through myPetPass™, offering savings on everyday pet care. Here’s what myPetPass™ includes:
- Discounted Pet Prescription Medications: Save on pet medications, conveniently delivered to your door.
- Flea, Tick, and Worm Treatments: Get discounts on parasite treatments for your pet.
Savings on Premium Pet Food: Enjoy discounts on premium pet food for your furry friend.
Australian Unity Pet Insurance Pros and Cons
| ✅ Pros | ❌ Cons |
| GapOnly® service allows on-the-spot claims at participating vets | No cover for elective treatments or grooming |
| Offers 4 cover plans to suit different needs and budgets | Limited coverage for certain diagnostic testing and treatments |
| Flexible excess options to adjust premiums | No lifetime cover |
| 24/7 claims support for assistance anytime | Chronic conditions are excluded from coverage |
| myPetPass™ offers discounts on pet food, medications, and other pet essentials | Dental illness cover is only available in Gold and Platinum |
| Up to 80% reimbursement on eligible vet bills for accidents and illnesses | No cover for pre-existing conditions |
In Conclusion
Australian Unity Pet Insurance offers a flexible and practical solution for pet owners. With plans ranging from Bronze to Platinum, there’s an option to suit every pet and budget. The ability to choose coverage levels is a strong advantage, allowing owners to balance cost and protection based on their pet’s health.
The GapOnly® service streamlines claims, and the discount for existing Australian Unity customers adds affordability. However, there are limitations: pre-existing conditions aren’t covered, which may be a dealbreaker for owners of older pets or those with health issues. Additionally, behavioral treatments like anxiety are excluded.
In summary, Australian Unity Pet Insurance is a solid choice for owners seeking reliable coverage for accidents and illnesses, especially those with younger pets or without chronic conditions.
You might also like:
- RSPCA Pet Insurance
- Budget Direct Pet Insurance
- Bow Wow Meow Pet Insurance
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- HCF Pet Insurance
Frequently Asked Questions
How can I get a quote from Australian Unity Pet Insurance?
Getting a quote is easy! Simply go to Australian Unity’s website, enter information about your pet, and get a fast quote based on their various plans.
Does Australian Unity Pet Insurance have an age restriction for pets to get covered?
Yes, Australian Unity covers dogs aged 8 weeks to 9 years under their Gold and Platinum plans. Your pet can be up to 15 years old for the Bronze and Silver programmes.
Does Australian Unity cover pre-existing conditions?
Unfortunately, no. Australian Unity doesn’t cover pre-existing conditions. If your pet has health concerns before you purchase cover, they won’t be covered.
