Pet Health Insurance

Pets are an important part of the family, and unexpected illness or injury can sometimes result in significant veterinary expenses. Pet insurance is one option that may help pet owners manage some of these unexpected costs.

There are many pet insurance providers and policies available, with different levels of cover, exclusions, benefit limits, waiting periods and eligibility requirements. Macarthur Veterinary Group does not recommend or endorse a particular pet insurance provider or policy.

When considering pet insurance, we recommend researching the options available and carefully reviewing the relevant Product Disclosure Statement (PDS), terms and conditions to determine whether a policy is suitable for you and your pet.

What Should I Consider When Choosing Pet Insurance?

Pet insurance policies vary between providers. Depending on the policy, factors you may wish to consider include:

• What illnesses and injuries are covered
• Benefit limits and reimbursement amounts
• Excesses and out-of-pocket expenses
• Waiting periods
• Age and eligibility requirements
• Pre-existing condition exclusions
• Dental and preventative healthcare coverage
• Other exclusions or limitations

If you choose to take out pet insurance, it is important to understand what your individual policy covers and keep your policy information up to date.

Comparing Pet Insurance

There are many pet insurance providers available in Australia. Some providers include Pet Insurance Australia, Medibank, ahm, Bupa, Woolworths and Trupanion, among others.

Macarthur Veterinary Group does not recommend one insurance provider over another. We encourage pet owners to compare policies and choose an option that suits their individual circumstances and their pet’s needs.

To compare pet insurance options, visit the Canstar Pet Insurance comparison.

Understanding GapOnly®

GapOnly® is a pet insurance claims service that may allow eligible claims to be processed while you are at the veterinary clinic.

Rather than paying the entire eligible veterinary invoice upfront and waiting to be reimbursed by your insurer, an eligible GapOnly® claim allows you to pay the gap – the difference between the amount covered by your insurer and the total eligible invoice.

Depending on your insurer and policy, this may mean:

• No need to pay the full eligible invoice upfront
• No waiting to be reimbursed after paying the full amount
• Your claim can be submitted from the veterinary clinic
• You can know the outcome of an eligible claim before paying the remaining gap

GapOnly® is available with a range of participating pet insurance providers. Eligibility and coverage will depend on your individual insurer and policy.

To see participating providers and compare options, visit the GapOnly® Pet Insurance comparison.

Trupanion TruCover Opportunity

No Pet Insurance yet? Trupanion offer a FREE  30 days TruCover Opportunity *^

Trupanion: TruCover Opportunity FREE 30 days pet insurance cover *^

Take advantage of the FREE 30 days pet insurance. Simply sign up within 24hrs of a health examination. For more details visit Trupanion *^

• Opportunity valid for activation within 24 hours after a vet exam
• Pet must be younger than 14 years of age
• 30 days free cover, no obligation to continue
• No waiting periods on activation – immediate cover at 11:59pm †
• Phone 1300 328 049 to take advantage of the opportunity
• No payment details needed upfront and no lock in terms

Pets are much loved family members, so when something goes wrong, it is not surprising to desire the best treatment possible.

Without pet insurance, the costs can play a big part in the ability to afford the diagnostic tests, surgical and medical care needed, and this is difficult for all involved. There are many pet insurance companies and policies available. You will need to do some research to determine which one is best for you and your circumstances.

*Terms, conditions and exclusions apply. See PDS for details. †See PDS for full list of exclusions. ^Offer Terms & Conditions: Offer commences on 1st November 2023 at 11:30am AEDT and ends on 31st December 2026 11:30am AEDT (Offer Period). Offer provides new and existing customers with a one-time 30 days free for new pets when you validly activate a Trupanion Pet Insurance Policy within 24 hours of your pet’s veterinary exam or of going home with your pet, during the Offer Period (Offer). You will not be charged a premium instalment or be required to provide payment details for 30 days, from the selected policy commencement date. Should you elect to purchase a policy following the Offer expiring, you will be required to pay monthly premiums. Offer applies to new Trupanion Pet Insurance policies activated during the Offer Period, online or by phone by using a supplied promo code or Offer is automatically applied at the time of activating the Trupanion Pet Insurance Policy. Not available with any other offer. Offer subject to the terms and conditions of the Trupanion Pet Insurance Policy. Eligibility criteria applies for Trupanion Pet Insurance and is subject to the Trupanion Pet Insurance terms and conditions (Refer to the Product Disclosure Statement).  Invalid offers (that are activated without meeting the eligibility criteria) do not receive the benefits of the offer. Trupanion Pet Insurance reserves the right to withdraw, vary or extend this Offer at any time, without notice.

Trupanion Insurance policies entered into for the first time prior to 23rd March 2026 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard) and promoted and distributed by Hollard’s Authorised Representative (AR) Trupanion Australia Pty Ltd ABN 33 626 393 628, AR 1268213 (Trupanion). Trupanion Insurance policies entered into for the first time on or after 23rd March 2026 and subsequent renewals of those policies are issued by Pet Sure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s AR, Trupanion. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at trupanion.com.au/policy.

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