Explore Pet Insurance

Guardian Pet Insurance at a glance

  • Up to 80% of eligible vet bills reimbursed
  • Claim up to $12,000 per year*
  • Three levels of cover to choose from
  • Use any licensed vet in Australia
  • No excess to pay
  • Insure more than one pet on the same policy

About Guardian Insurance

Guardian Insurance offers financial protection for you and your loved ones and provides peace of mind for you. They offer a range of products such as life insurance, income protection, funeral insurance and pet insurance – the latter of which is underwritten by Hollard Insurance.

Pet insurance products offered by Guardian Insurance

Guardian Insurance offers three levels of cover, so depending on your pets needs and your budget, you can choose what’s right for you.

Bronze Accident & Illness Cover

  • Cover for both illnesses and accidental injuries
  • Reimbursement for up to 60% of eligible vet bills
  • Treatment for paralysis tick bites (up to $2,000^)
  • Emergency boarding fees (up to $500)
  • Cruciate ligament treatment (up to $2,000^)
  • Vet consultations (up to $300)

Gold Accident & Illness Cover

  • Cover for illnesses and accidental injuries
  • Reimbursement for up to 75% of eligible vet bills
  • Treatment for paralysis tick bites (up to $1,000)
  • Emergency boarding fees (up to $1,000)
  • Cruciate ligament treatment (up to $2,600~)
  • Vet consultations (up to $300)

Platinum Accident & Illness Cover

  • Cover for illnesses and accidental injuries
  • Reimbursement for up to 80% of eligible bet bills
  • Treatment for paralysis tick bites (up to $1,200)
  • Emergency boarding fees (up to $1,000)
  • Cruciate ligament treatment (up to $2,600~)
  • Vet consultations (up to $300)
  • Optional extra: Annual routine care treatment (for things like de-sexing, teeth cleaning, microchipping, vaccinations or council registration fees up to $80).

Read the relevant Product Disclosure Statement (PDS) to understand the terms, conditions, inclusions and exclusions of any insurance product before purchasing.

Frequently asked questions

How much does Guardian Pet Insurance cost?

It’s hard to say how much pet insurance costs because there are many factors which contribute to the overall cost, and it differs for everyone. Your premiums will be calculated based on factors like your pet’s age and breed, as well as the level of cover you choose.

If you’d like an idea of how much you could potentially pay for pet insurance, you can request a quote through our pet insurance comparison service.

How do I claim through Guardian Pet Insurance?

There are a few ways you can make a claim on your Guardian Pet Insurance policy. If your vet offers GapOnlyTM, you can make a claim on the spot at the vet. If not, you can claim through the Guardian Pet Insurance online claims portal, or by simply filling out the claims form and posting it to their supplied address.

Remember, if it’s your first time making a claim, you’ll need some documentation like your pet’s full medical history and your pet’s adoption paperwork and medical records since adoption (if applicable).

Does Guardian Pet Insurance cover pre-existing conditions?

Guardian Insurance typically won’t cover treatments relating to your pet’s pre-existing medical condition. However, you can apply for a review of the pre-existing condition exclusion if your pet hasn’t exhibited any of the signs or symptoms of the condition for 18 months. You’ll need to provide supporting documentation from your vet in order to prove this. Be sure to carefully read the relevant PDS for the full terms and conditions.

Does Guardian Pet Insurance cover dental cleaning?

If you’ve chosen to add the optional extra of Routine Care to your Guardian Pet Insurance Platinum Accident and Illness policy, teeth cleaning might be covered for a portion of the vet bill, up to $50. Otherwise, oral cleaning and procedures aren’t usually covered.

What isn’t covered by Guardian Pet Insurance?

Unfortunately, pet insurance can’t cover everything. Some things which aren’t covered by Guardian Pet Insurance policies include:

  • Pre-existing conditions;
  • Dental illness;
  • Preventative procedures;
  • Grooming;
  • Breeding and obstetrics;
  • Elective surgeries;
  • Behavioural problems, training, therapy and socialisation;
  • Illness or injury caused by your failure to care for your pet, including not following your vet’s advice; and
  • Conditions that occur or are diagnosed during an applicable waiting period.

Can I insure my pet with Guardian Insurance at any age?

You can insure your pet with Guardian Pet Insurance from eight weeks of age. You can take out their Platinum and Gold level of cover before they reach nine years of age, or their Bronze cover before your pet turns 16 years of age.

The great news is once your pet is insured with Guardian Pet Insurance, they guarantee to renew your pet’s policy for life, subject to the renewal terms and conditions – provided premiums are paid and as long as you don’t cancel your cover at any time.

Is pet insurance worth it?

Vet bills can escalate quickly and become costly. If your beloved pet is injured or falls ill, why add the stress of figuring out how to pay for their treatment on top of your concern for their welfare? By taking out pet insurance, you’ll be eligible to claim your pet’s treatment back through your policy.

Are you in the market for pet insurance?

If you’re looking for a pet insurance policy but aren’t sure where to start, comparing your options is a great way to go.

Luckily, you don’t need to go far to do that! Our pet insurance comparison service is just a click away. All you need to do is put in some details about you and your pet, and our service will show you a range of policies we have on offer side-by-side – so you can easily compare your options. Best of all, our service does this fast and for free!

* Pre-existing conditions and certain illnesses are excluded. Terms, conditions, exclusions, benefit limits and sub-limits may apply. A $2,000 annual condition limit is applicable to Bronze Accident and Illness Cover.
^ An annual condition limit applies.
~ You may be eligible for a higher limit and if so, this will be stated on your applicable Certificate of Insurance.

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Or call us on1800 353 962