PetsOnMe Pet Insurance

Buying PetsOnMe pet insurance, the Australian brand that launched pet insurance in 2021? Pick your policy, then buy through ShopBack before you pay: ShopBack Cashback works like a discount, only easier than a promo code. Policies are underwritten by Pacific International Insurance Pty Ltd and distributed by Pets On Me Insurance Pty Limited, and the brand says it won Canstar Outstanding Value Pet Insurance awards in 2022 and 2023. Click through from the ShopBack PetsOnMe merchant page before you buy a policy to earn cashback at the current published amount.

PetsOnMe offers three plans for dogs and cats. The Accidental Plan has a $5,000 annual benefit limit and covers accidental injury. The Classic Plan has a $10,000 limit with accident and illness cover and a $2,300 annual hereditary conditions benefit. The Deluxe Plan has a $20,000 limit, a $3,800 hereditary benefit and $500 of dental illness cover after a 180-day waiting period. PetsOnMe states that eligible vet bills are reimbursed at up to 80 percent, that you choose your excess, and that there is no sub-limit on consult fees. Read the PDS for exact terms.

PetsOnMe advertises free months on new policies, a multi-pet discount, and a discount for paying annually rather than fortnightly or monthly. An insurer does not run Black Friday or Boxing Day sales, so timing matters less than age: PetsOnMe's own advice is to insure early, before conditions become pre-existing. ShopBack Cashback on PetsOnMe is a fixed amount per eligible new policy, shown on the ShopBack page.

PetsOnMe publishes the following waiting periods from the policy start date: zero days for accidents, 21 days for illness, poisoning, intervertebral disc disease and ingestion of a foreign object, and 180 days for third party liability, hereditary conditions, cruciate ligament and patella luxation, and dental illness. The waiting periods are waived if you have held a policy with another insurer for 12 months or longer with no interruption in cover. Waiting periods do not change how ShopBack tracks the purchase; cashback is tied to the policy being bought online and remaining in force.

PetsOnMe says it does not exclude eligible conditions that are fully cured, temporary and unrelated to an underlying condition, which it positions as a point of difference from insurers that exclude anything in a pet's history. Ongoing or chronic conditions that showed signs before the policy start or during a waiting period are treated as pre-existing and are not claimable. Cover can begin from six weeks of age and cat plans are offered for cats under 11 years. Check the Product Disclosure Statement for the definition before buying, and start from the PetsOnMe page on ShopBack to earn Cashback on an eligible new policy.

Compare the underwriter, the annual benefit limit, the reimbursement percentage, the excess options, any sub-limits on consult fees or specific conditions, hereditary and dental cover, waiting periods and whether switching waives them, and how claims are paid. PetsOnMe's published position is $5,000 to $20,000 annual limits, up to 80 percent reimbursement, no consult fee sub-limit, next-business-day payment of eligible claims, cover at any vet in Australia, no lock-in contract and a 12-month switcher waiver. Check each competitor's PDS on the same points. A PetsOnMe policy bought through ShopBack earns cashback at the current published amount.

Yes, according to PetsOnMe, if you have held an uninterrupted policy with another insurer for 12 months or more; it says it will waive its waiting periods so you are not re-sitting them. Keep your previous certificate of insurance as evidence and do not let the old policy lapse first. Conditions that were already excluded or noted under the old policy will still be assessed as pre-existing. Start the quote from the ShopBack PetsOnMe page so the new policy earns cashback, then cancel the old policy once PetsOnMe confirms the start date.

PetsOnMe says eligible claims submitted through its online portal are typically paid the next business day directly to your bank account, and that you can visit any vet in Australia, with specialist costs covered when your vet refers you. Alternative therapies such as acupuncture and hydrotherapy are covered for a diagnosed eligible condition on a vet's recommendation. You pay the vet first and claim the eligible portion back, less your chosen excess. Claims have no bearing on ShopBack cashback, which depends only on the policy being purchased online through the ShopBack PetsOnMe page and staying active.

Go through ShopBack before you pay and the Cashback tracks to your ShopBack account. Open petsonme.com.au from the PetsOnMe page on ShopBack, get your quote and buy the policy. Cashback is a fixed amount per eligible new policy, shown on the ShopBack page. It typically tracks within two days and confirms after about 95 days, which allows for the cooling-off period.

PetsOnMe has no lock-in contract. Policies come with a cooling-off period. Changing plan tier is not a cancellation.