Help & support
Take a closer look at the inclusions in the Product Disclosure Statement (PDS).
Pet Insurance isn’t available in branch.
Classic Cover
Choose to get up to 70% or 80% back on eligible vet bills
Annual benefit limit up to
$15,000
Plus Cover
Choose to get up to 80% or 90% back on eligible vet bills with no sub-limits
Annual benefit limit up to
$30,000
Please note: The table above provides a summary of your cover only. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply. Booster Care limit may apply (where applicable). Read the PDS for more information.
Customise your pet insurance policy with optional benefits.
Specialised therapies included:
For more information, refer to your PDS and certificate of insurance.
Add Routine Care to your policy and receive a contribution towards routine and preventative items.
The annual Routine Care limit is made up of three $50 benefits, which applies to specified routine care items listed on your certificate of insurance, such as desexing, vaccinations or health checks, teeth cleaning, heartworm preventative, prescription diets and more.
For more information, refer to your PDS and certificate of insurance.
For trusted vet advice and reassurance when you need it, access complimentary 24/7 vet support through the Pet Portal with Live Vet.1
Already a pet insurance policyholder? Access Live Vet.
When your pet is sick or injured, you can claim on the spot at the vet by making a GapOnly® pet insurance claim.
You will only need to pay the gap on eligible claims – helping to reduce unexpected, up-front treatment costs and paperwork.2
GapOnly® is available at your choice of over 1,000 participating vets around Australia.
Not using GapOnly®? You can also make a claim online or directly with your vet. Find out more about how to make a pet insurance claim.
For both Classic Cover and Plus Cover, the following waiting periods apply from the commencement date of the first policy period:
Booster Care cover has the following waiting periods:
If your pet shows signs or symptoms during the waiting period for a condition that may or may not need treatment, the following will happen:
For more information on waiting periods, refer to the PDS.
Please note that each insured pet needs to have their own policy.
There are a few questions you’ll be asked about your new family member, so it’s best if you go through this application process over the phone by calling 1300 913 575.
Your dog or cat must be older than eight weeks and younger than nine years at the time you first apply for pet insurance.
If you have Routine Care (non-insurance benefit), PetSure will provide a contribution towards the cost(s) of any of the specified Routine Care items, which includes desexing, subject to the Routine Care limits.
Both Classic Cover and Plus Cover do not provide reimbursement for any cover related to dental conditions unless it is a traumatic tooth fracture under Specified Accidental Injury cover.
You can add Booster Care cover to your policy and get cover for treatment of specified dental conditions like gingivitis, up to the Booster Care limit of $2,000.3
Treatment of specified dental conditions included:
You can also receive a contribution for pet teeth cleaning if you add optional Routine Care (non-insurance benefit) to your policy (subject to the Routine Care limit).
An excess means an amount you contribute towards the cost of your claim(s), as shown on your certificate of insurance.
The excess is calculated on a ‘per condition, per policy period’ basis. PetSure does this for each condition treated that is unrelated to any other condition during the same policy period.
The excess will be deducted from your calculated claim benefits after PetSure applies any benefit percentage, benefit limit, sub-limit (if any) and Booster Care limit (where applicable) to your claimed amount.
You can choose a $0 or $200 excess with Classic Cover or Plus Cover.
Medical treatment for your dog or cat can cost thousands, should they get injured or become sick.
Pet insurance can help cover the costs of eligible veterinary expenses so you can focus on your pet's recovery.
To help you understand whether this product is right for you, refer to the PDS.
Pet insurance covers an extensive range of specified accidents and illnesses.
There are some general exclusions such as pre-existing conditions, dental procedures (unless you have Booster Care), elective treatments and procedures, breeding or obstetrics and routine or preventative treatments (unless you have Routine Care (non-insurance benefit)).
Refer to the PDS for a full list of what isn’t covered.
Pet insurance offers two cover options, Classic Cover and Plus Cover, with annual benefit limits of either $15,000 or $30,000 respectively. Each cover includes a choice of excess ($0 or $200) and benefit percentage (70%, 80% or 90%) to help meet your needs.4
Your premium is impacted by the excess or benefit percentage you choose. For example, a higher excess and a lower benefit percentage will have a lower premium but higher out of pocket costs at claim time. Conversely, a lower excess and a higher benefit percentage will have a higher premium but lower out of pocket costs at claim time.4
Please note there are other factors used to calculate your premium. Please consider the PDS for more information.
Yes, your premium will generally increase each year.
Just like humans, the older our pets get, the more likely they are to have health hiccups. Cats and dogs age faster than humans do, which means that their veterinary treatment costs typically go up rapidly each year too. As a result, the cost of insuring your pet will increase as your pet ages.
Also, the overall cost of medical treatment for pets has increased in recent years, due to the increased availability of medical treatments and technology-enabled services and ongoing demand for these services. The treatment options and advancements in technology are providing us with great opportunities to give our pets a great quality of life for longer.
While this is great news for the care of our pets, these treatments come at a significant cost. Year-on-year treatment costs increase, and this is factored into the cost of pet insurance.
Refer to the PDS for more information about calculation of premiums.
*Offer commences on 5 December 2023 and ends on 31 January 2025 at 11.59pm AEST (Offer Period).
Offer provides new customers with two months' free in their first policy year only when they purchase a Pet Insurance policy distributed by the Commonwealth Bank of Australia (CBA) during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first two months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the third month of your policy. For annual payments, the two months' free will be deducted from your first policy year premium at the time of purchase.
To redeem the Offer by phone, eligible customers must use the promo code CBA2MONTH at the time of purchasing the Pet Insurance policy distributed by CBA. Offer is automatically applied to online quotes at the time of purchasing the Pet Insurance policy. Customers can remove this Offer at the time of purchase.
Offer will cease if you change your level of cover.
Offer cannot be used in conjunction with any other offer.
Eligibility criteria applies for Pet Insurance distributed by CBA, subject to the applicable Pet Insurance policy terms and conditions, including limits, exclusions and waiting periods (see Product Disclosure Statement).
CBA reserves the right to withdraw, vary or extend this offer at any time, without notice.
1 Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at https://petportal-cbainsurance.petsure.com.au
myPetPassTM is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available to holders of active Pet Insurance policies distributed by CBA. myPetPassTM perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPassTM perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPassTM through the offer or provision of perks, or that the myPetPassTM rewards programme or any myPetPassTM perks or features of myPetPassTM will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms.
2 The gap is the difference between the vet’s invoice and the eligible claim benefit under your Pet Insurance policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. GapOnly® is available on eligible claims at participating vets with a pet insurance policy from a GapOnly® pet insurance partner. Please visit GapOnly® to search for GapOnly® enabled vets.
3 Policy T&Cs, Booster Care limit, applicable benefit percentage, waiting periods and exclusions apply. Excess may apply.
4 Depending on your level of cover. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.
Pet Insurance is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). PetSure is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of PetSure or the products PetSure offers and this insurance product does not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a pet insurance policy, CBA is paid a commission. This information has been prepared without considering your objectives, financial situation or needs. You should, before acting on this, consider the appropriateness of the product to your circumstances. A Combined Financial Services Guide and Product Disclosure Statement is available by downloading it from commbank.com.au, or by calling 1300 913 575, and should be considered before purchasing, or choosing to continue with the product. PetSure has prepared a Target Market Determination (TMD) which describes the class of consumers that comprise the target market for this product. The TMD is available at https://www.commbank.com.au/insurance/brochures-forms. To find out how PetSure manages your personal information, please refer to PetSure’s Privacy Policy.
