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.
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:
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:
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.
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:
There are some instances that aren’t covered by Guide Dogs Pet Insurance, including:
These are known as exclusions and can be found in your policy’s PDS.
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.
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.
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.
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.*
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.
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.