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Guide Dogs Pet Insurance at a glance

  • Accident and illness covered in all their policies
  • Optional Routine Care on their highest level of cover
  • Purchasing cover helps support Guide Dogs Australia

About Guide Dogs Pet Insurance

Guide Dogs Australia, in partnership with Greenstone Financial Services, established Guide Dogs Pet Insurance to provide pet insurance for cats, dogs and registered Guide Dogs and to help secure funding for Guide Dogs Australia.

This means that customers purchasing a policy with them are not only covering their pet’s health, but are helping to provide funding to train a registered Guide Dog.

What Guide Dogs Pet Insurance has to offer

Guide Dogs Pet Insurance has three different levels of cover to choose from for both cats and dogs. All their pet insurance policies cover a sizable portion of vet bills for accidents and illnesses your furry family member may get.

All plans offer the following:

  • get back up to 75%, 80% or 85% of your eligible vet bill1 (the amount you can claim varies depending on the level of cover you choose);
  • cover for accidents and illnesses your cat or dog may experience;
  • different excess options (choosing a higher excess will lower your premium, and vice-versa); and
  • premiums help support Guide Dogs Australia.

Let’s take a look at what’s different between the policies. Beyond providing different amounts back from eligible vet bills, there are a couple of key differences between basic and comprehensive policies:

  • Basic Care is only for pets nine years of age or older, while the other two levels of cover only cover cats or dogs eight weeks to nine years old; and
  • Premium Care has the Optional Routine Care add-on.

Review the Product Disclosure Statement (PDS) for details on the percentage amount of eligible vet bills you can claim back and what excess options are available.

Optional Routine Care add-on

With Guide Dogs Pet Insurance’s top level of cover, you can choose to add Optional Routine Care for an additional cost. This optional extra, covers a number of preventative, regular treatments and costs (up to $80 per year) for your beloved cat or dog, including:

  • heartworm tests or blood screen ($15 per year);
  • urinalysis ($15 per year);
  • dental illness and teeth cleaning;
  • vaccinations;
  • prescription diets;
  • council registration fees and behavioural therapy; and
  • cremation or burial.

Frequently asked questions

What isn’t covered by Guide Dogs Pet Insurance?

There are some instances that aren’t covered by Guide Dogs Pet Insurance, including:

  • pre-existing conditions (where the pet showed clinical signs before the policy was purchased);
  • pregnancy;
  • behavioural problems;
  • elective procedures (like declawing or tail docking); and
  • food, grooming and accessories.

These are known as exclusions and can be found in your policy’s PDS.

Are recurring and hereditary conditions covered?

So long as your cat or dog didn’t show symptoms or clinical signs of the condition before you purchased insurance or in the first 30 days of holding cover, Guide Dogs Pet Insurance will cover a hereditary or recurring disease, up to the limits and sub-limits set out in your policy. Some breeds will be more expensive to insure as they’re at a higher risk of some health issues than others.

Can I get pet insurance for a registered Guide Dog?

Yes, you can get pet insurance for a registered Guide Dog with Guide Dogs Pet Insurance. When comparing pet insurance through our free comparison service, you can indicate whether your dog is a registered Guide Dog and compare policies from our related brands, including Guide Dogs Pet Insurance.

What are my excess options?

With Guide Dogs Pet Insurance, all levels of cover offer a $0 or $50 excess.   Adding the $50 excess may cost you more when you claim, however will typically lower the cost of your premium.

Choosing the no excess option will help you save a bit more money from your vet bill when lodging a pet insurance claim, but it does mean you’ll typically pay a higher premium.

Do I have a limit on claims with Guide Dogs Pet Insurance?

Limits and sub-limits apply to the amount you can claim back from your vet bills, depending on the annual limits of your chosen insurance plan. Guide Dogs Pet Insurance offer three levels of cover providing 75%, 80% and 85% back on eligible vet bills.*

Can I get higher levels of cover for an older pet?

If your pet is nine years old or over, you’ll only be able to choose the Basic Care pet insurance plan. You’re still covered for accidents and illnesses but the percentage of the bill you can claim, as well as the total amount you’ll be paid out, is less than the two higher levels of cover.

If I cancel my policy will I get a refund?

It depends on when you cancel your policy.

If you cancel within 30 days of taking out your policy, you’ll receive a full refund – minus any admin costs – as long as you haven’t lodged a claim within that time period.

If you cancel an annual policy after the cooling-off period, you’ll be refunded your premium minus any admin costs and the amount covering the time period you held insurance. However, you won’t receive a refund if you cancel your policy after making a claim.

Compare multiple providers at once – we make it easy

If you’re looking to take out pet insurance for your four-legged friend, you can compare pet insurance quotes from Guide Dogs Pet Insurance with a number of other providers in just minutes!

If you go online and use our free comparison service, you’ll be able to compare pet insurance policies side-by-side and filter them by cost and coverage. It can save you time finding cover for your beloved pet and might even help you save money too!

*Pre-existing conditions excluded. Limits and sub-limits apply. Please read the relevant Policy Booklet for specific details of the policy’s terms and conditions.

 

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