Vets Own Pet Health Insurance

Vet's Own Pet Health Insurance

Product Disclosure Statement (PDS)

This Product Disclosure Statement (PDS) is an important legal document required by the Corporations Act that contains details of your Vets Own Pet Health Insurance™.

The PDS is designed to help you understand what you need to know about Vets Own Pet Health Insurance™ so that you can decide whether to buy it.

It is up to you to choose the cover you need because we, and our representatives do not advise you on whether this policy is specifically appropriate for your personal objectives, financial situation or needs. Remember you have a cooling off period and cancellation rights.

Please read this document very carefully and make certain that the policy is suitable for your needs.

The Hollard Insurance Company Pty Ltd (Hollard), A.B.N 78 090 584 473 issues this insurance product. Hollard is an insurance company authorised under s12 of the Insurance Act 1973. Hollard holds an Australian Financial Services License (No. 231436) and is authorised to deal in and provide financial product advice in general insurance products.

You can contact Hollard on 1300 360 190 or by email.

PetSure (Australia) Pty Ltd (PetSure) A.B.N 95 075 9494 923 (AR No. 268991) administers the pet insurance products

This guide contains important information about:

  • significant benefits;
  • significant risks;
  • amounts payable;
  • information about internal and external dispute resolution procedures;
  • cooling-off arrangements.

Significant Benefits

Vets Own Pet Health Insurance™ provides financial protection for Veterinary Expenses incurred for treatment of your pet (dog or cat) as a result of sudden and unexpected Injury or Illness and helps you afford the proper care your pet deserves.

Vets Own Pet Health Insurance™ offers Lifetime cover and depending on your choice of cover, a Good Health Reward that offers a rebate towards the following treatment: vaccinations; desexing; flea, tick and heartworm control; routine teeth scale and polishing; special prescription diets prescribed by your veterinarian; microchipping; and any other bona fide procedure or product that your veterinarian certifies is necessary for your pet’s continued good health.

Significant Risks

Vets Own Pet Health Insurance™ provides financial protection for Veterinary Expenses incurred for treatment of your pet (dog or cat) as a result of sudden and unexpected Injury or Illness and helps you afford the proper care your pet deserves.

Vets Own Pet Health Insurance™ offers Lifetime cover and depending on your choice of cover, a Good Health Reward that offers a rebate towards the following treatment: vaccinations; desexing; flea, tick and heartworm control; routine teeth scale and polishing; special prescription diets prescribed by your veterinarian; microchipping; and any other bona fide procedure or product that your veterinarian certifies is necessary for your pet’s continued good health.

Cost

The cost of the insurance policy is the premium you pay to Us plus any fees or charges if applicable which are disclosed in the Financial Services Guide (FSG). The premium you pay is calculated according the risks associated with the insured animal and is recorded on your Certificate of Insurance.

Disputes

In the unlikely event that you have a complaint about the service provided please contact us by phone on 1300 363 552. If you prefer, address the matter in writing to:

Vets Own Customer Care
Locked Bag No. 9021
Castle Hill NSW 1765

If your complaint remains unresolved, our compliance manager or dispute committee will review the matter and respond within 15 days. Your complaint will be dealt with fairly and promptly .If you remain dissatisfied with the final decision you may refer the matter to the General Insurance and Enquiries Complaints Scheme (IEC), which acts as an independent external dispute resolution provider. The IEC is an independent body and its service is free to you. We agree to accept their decision. To access the Scheme you must contact the IEC within 3 months of a final decision at 1300 363 683.

Your Cooling Off Rights

You can return your policy to us within 21 days of the commencement of your first period of insurance, or upon renewal if we alter the terms and conditions of the policy. This date is documented on your Certificate of Insurance. If we receive your written request to cancel this policy within the 21 day period we will give you a full refund (less any taxes or duties payable that we are unable to have refunded).

You cannot return your policy before the 21 day period ends if you have exercised any of your rights or powers under the policy (e.g. you have made a claim). After the cooling off period ends you continue to have cancellation rights under the policy. These rights are set out in Section 12 of the policy wording.

Privacy

We use personal information about you to administer your insurance. We are committed to protecting your personal information in accordance with the National Privacy Principles. Our privacy policy can be viewed at our website www.hollard.com.au or a copy can be obtained by phoning 1300 360 190.

We will never sell your personal information.

If you don't want to receive information on any of our new products or services you can tell us on your proposal form or by e-mailing our privacy officer. Alternatively just contact us any time and let us know that you don't want to receive information on any of our new products or services.

If you think our records are wrong or out of date, particularly your contact details, it’s important that you contact us and we’ll correct them. You may reasonably access the personal information we hold about you. If you would like to do so, please contact us.

Contacting us and Confirming Transactions

You can contact us via any of the methods on our Contact Us page.

PROSURE Pet Insurance offered by Provet Pty Ltd (ABN 46 076 468 481; AR No 334292) underwritten by The Hollard Insurance Company Pty Ltd (AFSL 241436), and administered by PetSure (Australia) Pty Ltd (AFSL 420183). The information on our website, our brochures and other documentation is of a general nature only and does not take into account your personal financial situation, needs or objectives. Therefore before you decide to buy this product it is important that you read the Combined PDS and FSG to make sure the product is appropriate for your needs. Neither Provet nor any of its related entities, directors or officers guarantees the assessment or payment of claims under any policy issued by Hollard.