|
 Rates & Benefits |
Policy Questions |
Pet Owners FAQ |
| Protect your pet with Vets Own Pet Health Insurance - you can afford the proper treatment your family pet deserves with Vets Own. |
| Discover how Vets Own helps you care for your pet like family. |
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 What are the costs and benefits? |
You love your pet, and want to make sure that you can afford the proper treatment that it deserves.
We know that two out of three pets will need veterinary treatment each year for unexpected illness or injury, so we need to plan ahead
for those expenses. Modern veterinary care is wonderful, but can involve a great deal of cost.
Vets Own will pay up to 80% (depending on the level of cover selected) of eligible costs of treatment for unexpected
Illness and Accidental Injury up to the applicable limits of the policy you
choose. An annual excess of $50 for each condition will apply.
You can afford the proper care that your family pet deserves with Vets Own Pet Health Insurance.
There are three Vets Own Pet Health Insurance policies. Each offers great benefits, with very competitive premiums.
There is a 10% discount for second and subsequent pets (see the Multiple Pet Discount Table below).
| Policy |
Lifelong Accident
Only |
Lifelong Accident
+ Illness |
Lifelong Accident
+ Illness
+ Good Health Rewards |
| Accidental Injury p.a. |
$6,300 |
$6,300 |
$6,300 |
| Illness Cover p.a. |
|
$6,300 |
$6,300 |
| Good Health Rewards |
|
|
$100/yr |
| Dental Illness Cover Option p.a. |
|
$2,000 |
$2,000 |
| Overall Annual Claim Maximum |
$6,300 |
$12,600 |
$12,700 |
| Monthly Rates inc GST - 80% rebate |
$23.65 |
$40.50 |
$48.10 |
| Each additional pet |
$21.29 |
$36.45 |
$43.29 |
| Dental Cover per month |
|
$2.20 |
$2.20 |
| Cat Discount |
$1.00 |
$3.25 |
$3.25 |
| Condition Excess |
$50* |
$50* |
$50* |
| Sub Limits |
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| Medicines & Drugs |
$1,200/yr |
$1,200/yr |
$1,200/yr |
| Hospitalisation |
$1,200/yr |
$1,200/yr |
$1,200/yr |
| Radiology / X-rays |
$1,200/yr |
$1,200/yr |
$1,200/yr |
| Skin Conditions |
|
$1,600/yr |
$1,600/yr |
| Tick Paralysis |
$500/yr |
$500/yr |
$500/yr |
| Minimum Age |
8 weeks |
8 weeks |
8 weeks |
| Lifelong Cover |
Automatic |
Join by 9th birthday
eligible for Lifelong Cover |
Join by 9th birthday
eligible for Lifelong Cover |
| Select Breeds per month extra |
$5.00 |
$5.00 |
$5.00 |
| Waiting Period |
Nil |
30 days |
30 days |
* An annual low excess of $50 for each condition applies
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| How can I apply now? |
There is no risk in applying - you have a 14 day cooling-off period, and if for any reason you are not happy, simply cancel
for a full refund (provided no claims have been made). You can choose from:
1. Online application. This is the fastest way to cover your pet as promptly as possible. Click the JOIN NOW button to the right to apply online now.
2. Call our office on 1300 668 890 and talk to our helpful staff. They will take your details
over the phone, and complete your application form for you. Or if you prefer, they can post you out a brochure.
3. Discuss pet insurance with your family vet, and obtain an application form from them. |
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| Why I should insure my pet? |
Some important pet care facts you need to know...
- Two out of three pets will need treatment for sudden and unexpected illness and injury each year.
- Modern veterinary treatment can provide amazing results with sick and injured pets, but this often involves a lot of expense.
- We often see dogs and cats of 15 years, or even older, living active and happy lives. Vets Own Pet Health Insurance will provide lifelong cover to
help make those "olden years golden years".
Vets Own Pet Health Insurance will help you afford the proper care your pet deserves, so that it too can live to a
ripe old age, happy and active as a much loved family member.
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| Is there a higher cost for some breeds? |
A small number of breeds have a claims history that is higher than average, so it is only fair that owners of those
breeds contribute to these extra costs.
The following are Select breeds, whether pure breed or part breed,
and cost an extra $5.00 per month. |
| Alaskan Malamute |
Bernese Mountain Dog |
| Boxer |
Bull Terrier |
| Bulldogs (all breeds) |
Chow Chow |
| Great Dane |
Golden Retriever |
| Irish Wolfhound |
Mastiff (all breeds) |
| Newfoundland |
Old English Sheepdog |
| Pit Bull Terrier |
Pyrennean Mountain Dog |
| Shar-pei |
St Bernard |
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| How does Good Health Rewards help my pet? |
Good Health Rewards are included in the Lifelong Accident + Illness + Good Health Rewards
Policy. Good Health Rewards give you a $100 rebate each year for each pet when you spend $200 or more each year
at your vet on preventative health care items.
We want to help you keep your family pet in the best of health. There are no restrictions on
what your veterinarian can include in Good Health Rewards for your dog or cat.
Examples include:
- Desexing
- Vaccinations
- Puppy Preschool and Kitten Kindy
- Worming medicines
- Flea and Tick control
- Microchipping
- Special Diet Foods
- Prescription medicines (e.g. arthritis medications)
- Shampoos
- Grooming at your Vets
- Teeth scale and polish
- Dental procedures
- Acupuncture
- Holistic therapies
If your veterinarian recommends a product or service for your dog or cat, then it is eligible for Good Health Rewards.
What a great idea to help you keep your pet healthy and happy
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| How do I claim my Good Health Rewards? |
Claiming your Good Health Rewards is easy. Simply complete the form, entering the details of the items claimed, and the costs, and
ask your vet or vet nurse to sign it off. Then either post or fax the form, and within a few days the $100 will be paid into your designated account.
If you pay by the month, you may need to wait until your policy has been in force for three months before
being eligible to claim your Good Health Rewards.
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| Is there a discount for two or more pets? |
Yes, you receive a discount of 10% on the base premium to insure your second and
subsequent pets (Note: Select Breeds cost an additional $5.00 per month no further discount applies).
Vets Own Pet Health Insurance helps you afford
the best of care for your best friends
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| How much can I get back each year? |
Vets Own Pet Health Insurance annual limits are reached only in a very few rare and extreme cases.
- You could receive up to $12,700 each year with the Lifelong Accident + Illness + Good Health Rewards Policy.
- You could receive up to $12,600 each year with the Lifelong Accident + Illness Policy.
- You could receive up to $6,300 each year with the Lifelong Accident Policy.
- In addition you could receive up to $2,000 each year with the dental illness benefit option. (Available in conjunction with the illness policies.)
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| Are there any sublimits? |
Yes, there are very generous sublimits that are very rarely exceeded. Compare
Vets Own Pet Health Insurance annual sublimits with other policies and see why so
many people have chosen to insure their pet with Vets Own.
| Annual totals |
Annual sublimits |
| Accident treatment $6,300 |
Medicines & Drugs $1,200 |
| Illness treatment $6,300 |
Hospitalisation $1,200 |
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X-rays $1,200 |
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Skin conditions $1,600 |
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Tick treatment $500 |
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Good Health Rewards $100 |
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