Pets On Me is a decent choice for Australians looking for pet insurance, especially those not wanting to commit to one policy long-term as the deluxe plan can be taken out on a month-to-month basis. It provides policyholders with three different choices of excess and, unlike many other pet insurance providers, includes dental at no extra cost.
Let’s take a closer look at its Deluxe Plan.
Related: Value Fur Money? Pet Insurance Outlook For The Year
Pros
- Month-to-month plan
- Includes dental
- Choice of excess
Cons
- No GapOnly payment offered
- Routine care not included
- No cover for older pets
Table of Contents
About Pets On Me Pet Insurance
Featured Partners
1
Petsy Top Cover
Pet Insurance
2023 Canstar & Finder Award Winner
Benefits
Zero Sub Limits, Aussie Cust Service, Bonus For Puppies and Kittens
30% Off The First Month.
Promo code: FORBES30
2
Fetch Pet Insurance
Pet Insurance:
Highest rated Pet insurer on ProductReviews (As of May 24)
Benefits:
No vet sub-limits (obvs!) & 24/7 Aussie vet nurse support in one easy app
Promotion:
Start your cover with $0 on your first month
3
Bow Wow Meow Pet Insurance
Pet Insurance
2024 Product Review Pet Insurance Award Winner
Benefits
Generous benefits inc. hip surgery & dental option
Promotion
Get 2 mths free with code AFP2 + free ID tag. Add. pets get 10% off for life.
Pets On Me is an Australian pet services and insurance company, established in New South Wales in 2007. The company now serves a member-base of more than 52,000 pet owners, and has won many awards throughout the years for its services.
When choosing Pets On Me as a pet insurance provider, customers have the choice between three levels of cover. In order of coverage, these are: Pets On Me’s accident plan, classic plan, and deluxe plan.
To compare pet insurance policies throughout Australia, Forbes Advisor focused on the most comprehensive offerings from providers. Therefore, for this review, we will analyse the Pets On Me deluxe plan.
What Type of Pets Does Pets On Me Cover?
Pets On Me’s three cover options are only available for cats and dogs. Its three plans are also available for puppies, too. However, there is no option for exotic pets.
What’s Covered In The Pets On Me Deluxe Plan?
Pet owners who take out the Pets On Me deluxe plan for pet insurance are provided with a 100% reimbursement rate for veterinary bills, which is a higher percentage than most of the other pet insurance providers Forbes Advisor compared.
Its maximum annual claim limit, however, is on par with the standard of the Australian pet insurance industry: being $15,000 per year. Additionally, the provider does not offer customers a GapOnly service–which is where policyholders are only required to pay the excess. Instead, those with Pets On Me pet insurance are required to pay upfront and claim the cost back.
Pets On Me, like many other providers, also doesn’t automatically include routine care within its Deluxe Plan. It does, however, offer a wellness add-on that covers some routine care services such as vaccinations, microchipping and more.
Further details of the inclusions and the exclusions of the Pets On Me Deluxe Pet Insurance Plan are outlined below.
Is Spaying and Neutering Covered?
Pets On Me considers spaying and neutering (desexing) to be a part of routine care which, as mentioned, is not automatically included in its Deluxe Plan; however, it is one of the services that is listed in its optional wellness add-on.
What About Older Pets?
Pets On Me does not cover older pets. Its policies, including the Deluxe Plan, only covers pets under nine years. Cover can start for pets over the age of six weeks.
Is there a Sub-Limit for Tick Paralysis?
There is no sub-limit for tick paralysis. Instead, Pets On Me includes tick paralysis costs in its annual cover limit.
Is Dental Covered?
Yes, dental is covered with the Pets On Me Deluxe Plan. The annual limit is $500, and it is only available after a six-month wait period.
Related: Bow Wow Meow Pet Insurance Review
Excess Options
Pets On Me gives its customers three choices of excess. By increasing the excess you would pay when making a claim, it lowers the cost of your annual premium. The three choices of excess with the Deluxe Plan are $100, $200 or $300.
How Long is the Waiting Period?
With the Deluxe Plan from Pets On Me, there is no waiting period when it comes to accidents. There are however other waiting periods, depending on the circumstances. These are:
- 21 days for illness, poisoning, intervertebral disc disease, ingestion of a foreign object and third party liability;
- 90 days for hereditary conditions, cruciate ligaments and patella luxation;
- 120 days for use of the wellness benefits package; and
- 120 days for dental illness
Related: Is Pet Insurance Worth It?
Are there Discounts or Bonuses?
At the time of writing, there are currently no discounts offered for multi-pet policies. There are also no promotional codes available at this time.
However, Pets On Me policies are month-to-month, but customers can get a discount for choosing an annual policy.
Related: How Much Does Pet Insurance Cost?
Add-ons for Alternative Therapies?
No, alternative therapy is not covered with Pets On Me’s Deluxe Plan, and there is no option to add vet bill cover for alternative therapy or behavioural problems either.
About Star Rankings
You will note that we have included a star rating next to the product or provider reviewed. This rating was determined by the editorial team once all of the data points were considered, and the pros and cons of each product attribute was reviewed. The star rating is solely the view of Forbes Advisor editorial staff. Commercial partners or advertisers have no bearing on the star rating or their inclusion on this list. Star ratings are only one factor to be considered, and Forbes Advisor encourages you to seek independent advice from an authorised financial adviser in relation to your own financial circumstances and investments before you decide to choose a particular financial product or service.
Frequently Asked Questions (FAQs)
How do you make an insurance claim with Pets On Me?
To make a claim with Pets On Me you first need to take your pet to your trusted veterinarian for care. After paying for the service at the vet, you can then lodge a claim online with Pets On Me, provided you include the vet’s clinical notes and the tax invoice.
Does Pets On Me cover pet rabbits?
No, Pets On Me only covers cats and dogs. You cannot insure exotic pets, such as rabbits, with Pets On Me.
What is the contact number for Pets On Me?
To contact Pets On Me, you can call 1300 489 873.
How much does Pets On Me Deluxe Plan cost?
The price of the Pets On Me Deluxe Plan is subjective to your pet, their needs, the excess you choose and any additional add-ons you purchase. Therefore, to find out how much the Pets On Me Deluxe Plan would cost for you, you should request a quote online. Pets On Me says the quote only takes a few minutes.
Does Pets On Me offer choice of excess?
Yes, the Pets On Me Deluxe Plan allows its policyholders to choose from excess options of $100, $200, or $300. Previously, the excess options were $75, $125 or $175. These were likely increased due to inflationary pressures.
What level of cover does Pets On Me offer?
Pets On Me Pet Insurance offers three levels of cover: an Accidental Plan, a Classic Plan, and the Deluxe Plan. Reviewed above is the Pets On Me Deluxe Plan, as it is the most comprehensive of all the offerings.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
