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Pet Insurance Australia (PIA)

Pet Insurance Australia (PIA) provides comprehensive coverage options to protect pets from unexpected accidents, illnesses, and major health conditions. With flexible plans that include routine care and emergency boarding, PIA ensures that pets receive the best possible care in a range of situations. Offering coverage for conditions such as cancer, skin issues, ear/eye conditions, and gastrointestinal problems, PIA’s policies are designed to cover both routine and emergency treatments.

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4.125

Furbaby Expert’s Score

Details of the company

Name

Pet Insurance Australia (PIA)

Address

Locked Bag 9021, Castle Hill, NSW 1765

Phone number

1800 043 552

Accidental injury

Yes

Routine care

Optional under certain plans

Lifetime cover

Yes

Reimbursement rate

Up to 90% (varies by plan)

Cooling off period

Not specified

Excess options

$0, $100, $200, or $500 (varies by plan and condition)

Emergency boarding

Yes (up to $1,200)

Consultations, vet visits

Included

What We Like About Pet Insurance Australia (PIA)

PIA stands out by offering flexible coverage options, including emergency boarding, consultations, diagnostic tests, and surgery. The Major Medical Cover includes routine care as an optional extra, which is perfect for pet owners looking for extensive protection. Additionally, PIA provides a multipet discount of up to 15%, making it a cost-effective option for households with multiple pets. With a high annual benefit limit of up to $30,000, PIA ensures that pets receive the care they need for major conditions without causing financial stress to their owners.

  • Coverage for cats
  • Coverage for dogs

Why should we choose Pet Insurance Australia (PIA) ?

Pet Insurance Australia 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, Pet Insurance Australia goes to the rescue.

Pros

  • Covers accidental injuries, illnesses, and major conditions
  • Covers cancer, skin conditions, ear/eye conditions, and gastrointestinal issues
  • Includes emergency boarding coverage (up to $1,200)
  • Offers multipet discount (up to 15%)
  • Routine care available under Major Medical Cover

Cons

  • Waiting period for illness (30 days) and cruciate ligament conditions (6 months)
  • Pre-existing conditions not covered unless reviewed after 18 months
  • Benefit percentage decreases to 65% for pets over 8 years (under Pet Essentials)
  • Limited coverage for tick paralysis and consultations in some plans
  • Higher excess for unrelated conditions under Comprehensive Cover and Major Medical

Location

Provider

Rating

Details

1.6

199 reviews

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4.7

457 reviews

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4.2

2078 reviews

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2

2 reviews

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0

0 reviews

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0

2 reviews

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Pet Insurance Australian Reviews on Other Locations

These ratings are updated Monthly!

PIA Pet Insurance Reviews

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PIA Pet Insurance Reviews on Product Review

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PIA Pet Insurance Reviews on Trust Pilot

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PIA Pet Insurance reviews on Google

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PIA Pet Insurance Reviews on Choice

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PIA Pet Insurance Reviews on Finder

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PIA Pet Insurance Reviews on Compare Insurance

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Pet Insurance Policies Offered by Pet Insurance Australia

The insurance quotes and policies listed are subject to change. For the most accurate and up-to-date information, please refer directly to the provider’s website.

Policy

Coverage

Annual limit

Benefit percentage

Excess

Optional extra benefit?

Pet Essentials

Covers specified accidental injuries and some illnesses, including tick paralysis

$6,000 ($1,000 limit per condition)

90% for pets under 8, 65% for pets 8+

$0

Routine care not included

Comprehensive Cover

Covers accidental injuries and illnesses, includes consultations, diagnostic tests, hospitalisation, surgery

$30,000

80%

Choice of $0, $100, $200, or $500 per unrelated condition

Optional routine care

Major Medical Cover

Comprehensive cover with additional routine care, higher limits for conditions like cruciate ligament

$30,000 (plus $145 for routine care)

80%

Choice of $0, $100, $200, or $500 per unrelated condition

Routine care included

Annual Premiums

For Dogs
Breed
1 year old
5 year old
Cavoodle

$46.36

$82.49

Labrador

$67.11

$111.49

Staffordshire Bull Terrier

$54.02

$87.79

For Cats
Breed
1 year old
5 year old
Domestic Shorthair Cat

$52.36

$62.23

British Shorthair

$64.69

$115.02

What pet parents say about PIA Pet Insurance

SusieQ Shocking customer service from their Phillipines call centre with very poorly trained staff who do not listen and cannot provide accurate information. Their claims process is cumbersome and excessively time consuming with constant requests for “additional information” despite comprehensive case notes provided by the vet. Even the vet informed me they have never seen a pet insurance company request so much excessive details for case notes.
Source: Trustpilot
Vanessa S. My experience when making a claim as been very smooth sailing. My French bulldog has has several procedures this year and the coverage has been such a relief. I’m glad I have used Pet Insurance Australia the whole time my dogs were puppy’s.
Source: Product Review
Ian M. We were shocked when we learned that Mia, our 6 year old labradoodle had cancer. Pet insurance Australia have been wonderful and very supportive. Mia has undergone extensive surgery to remove a tumour and infected lymph node and is now undergoing chemotherapy. We often question the need and value of insurance, but having comprehensive cover has allowed us to act quickly and we hope that we will have Mia for a longtime yet. Without the insurance, we would not have been able to afford her treatment. Our thanks to PIA!
Source: Product Review
Andy Terrible insurance. We have 3 dogs, 2 with PIA and 1 with RSPCA. PIA is a constant battle to get anything back where the other is not an issue. Our staffy just had cruciate ligament surgery and they covered 50% instead of the 80% they were supposed to. We've had the coverage for 10 and 12 years and they always seem to find a way out of paying. Cant comment on other insurers but can say for sure that RSPCA is a lot better than PIA.
Source: Product Review

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    FAQs about PIA Pet Insurance

    Still have a few things you’d like to clear up about Pet Insurance Australia (PIA) pet insurance? We’re here to help!

    PIA Insurance Portal accessible from any device

    Injury: Not specified

    Illness: 30 days

    Specified Conditions: 6 months for cruciate ligament conditions

    Network: Any licensed vet in Australia

    Accessibility: Direct payment to vets is available, reducing out-of-pocket expenses (assumed based on standard industry practices)

    Online Chat

    Phone Support: Available Monday to Friday 8am to 8pm AEST (assumed based on standard offerings)

    Multipet discount of up to 15% when insuring multiple pets under the same policy

    Routine care available as an option under the Comprehensive and Major Medical plans

    Up to 15% off for insuring more than one pet

    Up to 2 months free on selected plans (terms and conditions apply)

    Please note: Promotional offers and discounts mentioned may vary and are subject to change. For the most current promotions, please visit the provider's website directly.

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