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Guardian Pet Insurance
Guardian Pet Insurance provides pet owners with comprehensive insurance plans designed to cover a range of veterinary expenses. With options tailored to different levels of coverage, Guardian Pet Insurance ensures that your pets receive the care they need without burdening your finances. Their policies are straightforward, offering peace of mind to pet owners with the flexibility to choose the right plan for their furry companions.
3.25
Furbaby Expert’s Score
Details of the company
Name
Guardian Pet Insurance
Address
Locked Bag 9021, Castle Hill NSW 1765
Phone number
1300 709 431
Accidental injury
Yes
Routine care
Optional (for Platinum and Gold plans)
Lifetime cover
Yes
Reimbursement rate
Up to 80%
Cooling off period
30 days
Excess options
No excess
Emergency boarding
Yes
Consultations, vet visits
Included (up to $300 annually)
What's good about Guardian Pet Insurance
Guardian Pet Insurance offers three tiers of coverage, allowing pet owners to select the plan that best meets their needs and budget. With coverage for accidental injuries, illnesses, and routine care, these policies are designed to provide extensive protection for pets. The option to choose your own registered vet adds convenience, while the no excess feature makes the claims process simpler and more transparent.
- Coverage for cats
- Coverage for dogs
Why should we choose Guardian Pet Insurance?
Guardian Pet Insurance believes that one of the struggles of pet owners is finding the right pet insurance. An in Australia, 9 out of 10 pets are not insured. So, Guardian Pet Insurance goes to the rescue.
Pros
- No excess to pay
- High annual benefit limit ($12,000)
- Option for routine care coverage
- Coverage for a wide range of injuries and illnesses
Cons
- Lower reimbursement rates for Bronze plan
- Waiting periods for some conditions
- Pre-existing conditions are not covered
- Sub-limits apply to certain benefits
Location
Provider
Rating
Details
Guardian Pet Insurance Reviews on Other Locations
Ratings as at 14th of November 2025.
Guardian Pet Insurance Reviews
Guardian Pet Insurance Reviews on Product Review
Guardian Pet Insurance Reviews on Trust Pilot
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Read ReviewGuardian Pet Insurance Reviews on Finder
Read ReviewGuardian Pet Insurance Reviews on Compare Insurance
Read ReviewPet Insurance Policies Offered by Guardian Pet Insurance
Policy
Coverage
Annual limit
Benefit percentage
Excess
Optional extra benefit?
Platinum
Accidental Injury & Illness
$12,000
Up to 80%
No excess
Routine care (up to $80 annually)
Gold
Accidental Injury & Illness
$12,000
Up to 75%
No excess
Routine care (optional)
Bronze
Accidental Injury & Illness
$12,000
Up to 60%
No excess
N/A
Annual Premiums
Please note: These Quotes were taken at 14th of November 2025. To get the most accurate quote for your pet visit the provider directly or click here.
$52.38
$59.96
$72.77
$83.78
$64.56
$74.45
$71.84
$93.03
$71.84
$100.92
What pet parents say about Guardian Pet Insurance
Submit a review for Guardian Pet Insurance
FAQs about Guardian Pet Insurance
Still have a few things you’d like to clear up about Guardian pet insurance? We’re here to help!
Guardian Insurance Portal from any device
Injury: 0-day waiting period for specified accidental injuries
Illness: 30 days for illness cover (including tick paralysis)
Specified Conditions: 6 months for cruciate ligament conditions
Network: Any registered vet in Australia
Accessibility: Direct payment to vets is available, reducing out-of-pocket expenses
Online Chat
Phone Support: Available Monday to Friday 8am to 8pm AEST
Routine care coverage is available for Platinum and Gold plans
No excess makes the claims process more straightforward
Promotional offers and discounts mentioned may vary and are subject to change. For the most current promotions, please visit the provider's website directly.