We know firsthand how furry friends change lives.

Guide Dogs Pet Insurance Policies

Compare our great value cover options, and choose the cover that best suits your needs.

Need more information? Check out our dog insurance plans, cat insurance plans and Registered Guide Dogs insurance plans.

What’s Covered for Dogs and Cats Premium Care Comprehensive Care Basic Care
Claim up to (yearly)1 $20,000 $15,000 $15,000
Specified accidental injury
Eligibility 8 weeks – younger than 9 years 8 weeks – younger than 9 years 9 years and over
Benefit Percentage2 85% 80% 75%
Excess Options $0, $50 $0, $50 $0, $100
Routine Care Optional Extra No No
Cruciate Ligament Conditions (6 month waiting period – may be waived on application) $3,200 $3,200 $3,200
Third Party Liability (for Registered Guide Dogs only) $1 million $1 million $1 million
Consultations $300 (including home visits) $300 (including home visits) $300 (including home visits)
Emergency Boarding (up to the sub-limit) if you’re hospitalised for one or more consecutive days or require emergency accommodation due to family violence. $1,200 $1,000 $500
Tick paralysis (yearly) $2,000 $2,000 $1,500
Illness Waiting Period 30 days 30 days 30 days
Cruciate Ligament Waiting Period 6 months (may be waived on application) 6 months (may be waived on application) 6 months (may be waived on application)
Lifetime Cover3
Visit any registered Vet in Australia
Cover for Unvaccinated Pets4
Multi-pet Discount 10% 10% 10%
Payment Frequency Options Fortnightly, monthly or annually Fortnightly, monthly or annually Fortnightly, monthly or annually
Get a quote Get a quote Get a quote

What’s covered

What’s covered in all plans Exclusions Routine Care Optional Extra

Specified accidental injury

Certain Pre-existing Conditions (see Policy Booklet for more information)

Add this optional extra to your Premium Care plan to receive the following cover:

Dental procedures

Heartworm test or blood screen – $15 a year
After-hours emergency visits

Behavioural problems

FeLV/FIV test or urinalysis – $15 a year
Cruciate Ligament Conditions (6 month waiting period – may be waived on application)

Elective treatments and procedures

Plus, a $50 annual benefit for any one of these routine treatments:

Consultations (including home visits)

Food and diets

Desexing and microchipping
Annual tick paralysis benefit


Heartworm preventative medication
Lab and diagnostic tests Pregnancy Teeth cleaning

Pet accessories

Dental illness treatment

For a full list of all exclusions, please refer to the relevant Policy Booklet

Vaccinations or health checks
Medicine and drugs Council registration fees

Overseas pet travel (New Zealand or Norfolk Island only)

Prescription diets
Emergency boarding Alternative therapies for pets
Essential euthanasia Dew claw removal
Third Party Liability (for Registered Guide Dogs only) Cremation or burial
Behavioural therapy
Obedience training
Flea, tick or worm control

Your pet’s cover makes a difference in someone’s life.

Buy online now, and along with protecting your pet, you’ll help change the lives of Australians with sight loss or low vision. This is because you’ll be supporting Guide Dogs Australia; helping promising pups grow into hero Guide Dogs.

Frequently Asked Questions

Specified accidental injury cover includes coverage for physical harm or injury arising from an accident that is a consequence of or results in one of the following specified events:

  • a motor vehicle incident
  • a burn or electrocution
  • an allergic reaction to insect and arachnid bites
  • a bone fracture
  • a snake bite toxicity
  • a traumatic ligament or tendon injury
  • a bite wound or fight wound abscesses
  • lacerations or abrasion of tissue, skin or mucous membrane due to external violence

As with most insurance products, there are certain situations in which you will not be covered. There are some general exclusions such as Pre-existing Conditions, dental procedures, fractured teeth, routine or preventative treatments (unless Routine Care cover is purchased, which provides a contribution up to the Routine Care limits), some elective treatments and procedures and breeding or obstetrics. There may also be specific exclusions which may apply to specific levels of cover.

Third Party Liability is only available for Registered Guide Dogs.

Want to know more? Find answers to commonly asked questions.

It’s quick and easy to apply

Get a quote and get covered online or over the phone

Your pet can be protected from
11:59pm tonight

Get back up to 85% of eligible vet bills2

  1. Limits and sub-limits apply.
  2. Pre-existing conditions excluded.
  3. Once insured cover can be kept for life if you keep your pet’s policy in force and for as long as we offer the product.
  4. Exclusions apply for a number of vaccine preventable diseases.