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| 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. |
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Vets Own Pet Health Insurance is administered by the most experienced pet insurance team in Australia.
Dr Chris Blair is one of the most experienced veterinarians worldwide in the field of pet insurance.
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Our expertise means that you and your pet are treated with the care, respect and expertise you both deserve.
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 How do I make a claim? |
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Vets Own Pet Health Insurance will pay 80% 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.
Making a claim with your Vets Own Pet Health Insurance Policy is very simple, with your rebate paid to
you directly. There are 3 easy steps:
- Pay the vet for your pet's treatment, and ask for their help in completing the
very simple claim form (click here to download a claim form).
You and your vet sign the claim form.
- Post the completed claim form, the invoices and the receipts to Vets Own Pet Health Insurance.
- Your claim will be added up, and your benefit paid direct to you. Quick and easy.
Remember, you can use any vet in Australia, including
specialists and emergency clinics
Vets Own Pet Health Insurance helps you afford the
proper care your family pet deserves
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| What's included? |
All the important aspects of your pet's health care are included with Vets Own Pet Health Insurance.
You get 80% rebate on eligible costs, including the examples in the table below. This is not a
complete list, but to provide real life examples of what is covered.
| Policy |
Lifelong Accident
Only |
Lifelong Accident
+ Illness |
Lifelong Accident
+ Illness
+ Good Health Rewards |
| Accident Cover p.a. |
$6,300 |
$6,300 |
$6,300 |
| Illness Cover p.a. |
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$6,300 |
$6,300 |
| Good Health Rewards |
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$100/yr |
| Consultations |
Yes |
Yes |
Yes |
| Anaesthetics |
Yes |
Yes |
Yes |
| Hospitalisation |
Yes |
Yes |
Yes |
| Surgery |
Yes |
Yes |
Yes |
| Injections |
Yes |
Yes |
Yes |
| Medicines |
Yes |
Yes |
Yes |
| X-rays |
Yes |
Yes |
Yes |
| Pathology tests |
Yes |
Yes |
Yes |
| Tick Paralysis |
$500/yr |
$500/yr |
$500/yr |
| Cruciate Repair |
Yes |
Yes |
Yes |
| Cancer Therapy |
No |
Yes |
Yes |
| Fight wounds |
Yes |
Yes |
Yes |
| Illnesses |
No |
Yes |
Yes |
| Ear infections |
No |
Yes |
Yes |
| Vomiting |
No |
Yes |
Yes |
| Car accidents |
Yes |
Yes |
Yes |
| Pain relief |
Yes |
Yes |
Yes |
| Skin problems |
No |
Yes |
Yes |
| Fractures |
Yes |
Yes |
Yes |
| Kidney problems |
No |
Yes |
Yes |
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| What's not included? |
We want to keep our premiums as reasonable and as affordable as possible, so some items are not included.
The following are not eligible for insurance: routine care including desexing, vaccination and worming,
pre-existing conditions, listed breed-specific conditions, congenital conditions, pregnancy or related conditions, racing or working dogs,
behavioural problems, dental treatment, grooming items, alternative therapies including acupuncture and homeopathy.
See the policy document for a complete list.
Routine care items are included in Good Health Rewards.
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| What are the age limits? |
Puppies and kittens must be at least 8 weeks of age to be enrolled.
There is no upper age limit for the Lifelong Accident Policy. With Lifelong Accident + Illness, and Lifelong Accident + Illness + Good Health Rewards,
if dogs and cats are enrolled by their 9th birthday, then they are eligible for Lifelong Cover for the rest of their lives.
Unlike some policies that cease at a certain age, Vets Own Pet Health Insurance looks after our senior pets. We help make those "olden years golden years".
We love to see older dogs and cats, fifteen years and older, having an active and enjoyable life, cherished by their loving family.
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| When does my policy start? |
Your policy commences at midnight on the day that this application has been accepted by us. You may make a claim for illnesses which arise 30 days after this date. There is no waiting period for Accidental Injury claims. |
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| What is the definition of an Accidental Injury? |
An Accidental Injury is defined as "A physical or bodily injury which, happens accidentally to your pet as a result of external, violent and visible means".
Examples include:
- broken bones resulting from a car accident.
- trauma resulting from a fight with another animal.
All three Vets Own policies cover Accidental Injuries.
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| What about Microchips? |
Microchips are the most wonderful advance to benefit your pet. Everyone who has had a lost or missing pet knows the heartache associated with that absence.
Pets with microchips are able to be reunited with their family, instead of being sent to the local pound, with the possibility of death row. Vets Own Pet Health Insurance can help track down missing pets by keeping microchip details on file, in combination with our Pet ID register.
A microchip is not required to make a claim with Vets Own Pet Health Insurance, except in states where microchipping is mandatory, but it is preferable as this provides permanent identification.
Your vet can advise you on the best time to insert a microchip in your pet. Microchips can be part of your Good Health Rewards.
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| How do I look at a policy? |
The policy document is available on this web site for you to download and read.
A printed copy will also be posted to you together with a detailed certificate of insurance on our acceptance of your proposal.
This proposal is subject to underwriting guidelines. Acceptance of this insurance for any pet is at the discretion of Vets Own Pet Health Insurance. We reserve the right to decline acceptance of a pet, to vary the conditions on which the insurance is accepted and to vary the conditions and premiums printed on this web site at any time
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| Is there a cooling-off period? |
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Yes - you have 14 days to examine the policy, and if not completely satisfied, you can cancel and get a full refund, provided no claims were made within the 14-day period.
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| Who is Vets Own Pet Health Insurance? |
Vets Own Pet Health Insurance is owned by Vet Insurance Pty Ltd, a company owned and operated by Dr Chris Blair, veterinary surgeon. Dr Blair is a well respected veterinary surgeon who has been in veterinary practice since 1970.
Dr Blair has used his extensive experience to make sure that Vets Own Pet Health Insurance really cares for pets like family, and helps families afford the proper care their pet deserves.
The policies are underwritten by the Hollard Insurance Company Pty Ltd, who have over ten years of experience in underwriting pet insurance, and meet all the stringent financial hurdles required by the tough new Australian laws.
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