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88 questions from our users

Dev

Devasked

Pet Insurance Australia

How does the claim process work with Pet Insurance Australia?

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Dev, sorry for the delay this message has only just shown up. You can choose a few ways to claim. If you choose a GapOnly vet you only need to pay the gap and the vet will do the rest (for a list of vets close to you take a look at www.gaponly.com.au). However, you can choose any registered vet in Australia, and then claim for the reimbursement via the pet portal on our website. For more information take a look at our website here - www.petinsuranceaustralia.com.au I hope this has been of some help. Have a wonderful day.

Felicity A.

Felicity A.asked

Pet Insurance Australia

Hi there, do your policy cover hip dysplasia, elbow dylplasia and patella luxation?

2 answers
lynda
lynda

Yes, as far as I know, as long as it wasn't a pre -existing condition.

Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Felicity, we certainly do cover for these conditions in the illness section of your policy, as long as there are no prior symptoms to taking out the policy. The cover for these conditions will be subjected to caps and limits.

All of our claims are looked at on an individual basis, however, if a condition has shown signs or symptoms prior to coverage, than it may be excluded as a pre-existing condition. A pre-existing condition may be reviewed 18 months after the policy has been kept and may possibly covered, provided it has shown no signs or symptoms within this time.

After this timeframe if you wish to have the condition reviewed we do have a Pre-existing Condition review form further information can be found in our Product Disclosure Statement on page 25 under “Pre-Existing condition review”. I hope this has answered your questions. Would you like me to have a PIA Policy Expert reach out? Thanks, have a great day.

Aya T.

Aya T.asked

Pet Insurance Australia

Hi there,

Is there any waiting period for routine care cover? I have 3months old pup and thinking to get De-sexing when he is about 6 months old. If I apply now, can it be covered? (Also final pup vaccination is scheduled in 2 weeks time)

Aya

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Aya, I'm sorry I haven't replied sooner I've only just been altered to this question.

No there is no waiting period on Routine Care Cover. Thanks, have a great day.

Chris

Chrisasked

Pet Insurance Australia

If I had Major Medical Plan with 0 excess for my Staffy pup how much would I get back with her annual vaccinations & desexing

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Chris. Thanks for reaching out. Routine Care Cover is included in the Major Medical cover and will assist towards routine care items that are essential to your pet’s health such as vaccinations, deworming etc.

$50 ANNUAL BENEFIT FOR ONE OF THE FOLLOWING
De-sexing
Micro chipping
Heart worm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dew claw removal
Cremation or Burial
Dog training at a recognised training centre

ANNUAL BENEFITS FOR ALL OF THE FOLLOWING
$30 Vaccinations or Health Check
$10 Heart worm test or Blood screen
$10 FeLv/ Fiv test or urinalysis
$45 Flea/ Tick/ Worm control

ELIGIBILITY
For Major Medical Cover only

I hope this has helped. Routine Care also has no excess.

Kerry C.

Kerry C.asked

Pet Insurance Australia

Are my pups vaccinations claimable?

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Kerry. If you have a Major Medical Plan with PIA you get a $30 annual benefit towards vaccinations. I hope this has helped? Have a wonderful day.

Fiona

Fionaasked

Comprehensive Cover

I have the Comprehensive cover for my Dachshund since the beginning of February 2019 and I wanted to know if IVDD is covered if my dog has not shown any signs prior commencement or recently?

2 answers
Princess
Princess

Hi Fiona just call them and ask them..

Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Fiona. IVDD (Intervertebral Disc Disease) is generally coverable under the illness portion of the policy.

The policy does not cover any Pre-existing conditions prior to the policy commencement or any signs or symptoms that have occurred during the Waiting period.

IVDD (intervertebral disc disease) is also excluded on any accidental injury cover (so make sure you read the PDS and ensure you understand exactly what your precious pups are covered for and what your policy allows - you can find this here - https://www.petinsuranceaustralia.com.au/important-notices/

PIA's assessment of known issues with specific breeds (e.g. bad backs) are taken into account in the premium calculation. IVDD is covered in our Major Medical Policy. Hope this helps.

mark

markasked

Pet Insurance Australia

i tried to enter in my dogs details and will not let you proceed unless your dog is pure breed my dog is a cross breed and no one not even the vet knows what she is a cross of.she is a chimera only a dna test can tell what the breed is which i will get done in the future.

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Mark, thanks for reaching out. If you pop in the main breed of your dog (or just write cross into the search) you can find a breed that best represents your dog's crossbreed.

For example, if your precious pooch is a Labrador mix, you can pop in Labrador Cross. I hope this is of some help? Thanks, have a great day.

Roger

Rogerasked

Pet Insurance Australia

Hi - if my dog was to become unwell whilst in a registered kennel (not directly under my care, but someone I authorised to look after him) does your insurance cover the Illness? I read in your PDS the dog has to be under my direct care, which obviously wouldn’t be the case.

We go overseas a couple of times a year, so this is crucial for us.

4 answers
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Roger, thanks for reaching out. I'll just check with my Policy Experts and get a detailed answer for you soon. Thanks, have a wonderful day.

Roger
Roger

Thanks, I will wait for your response.

Roger
Roger

Any update on this?

Aaron S.

Aaron S.asked

Pet Insurance Australia

Hi, I don't currently have pet insurance, but i'm wanting to get some. My dog is 8 months old and the vet suspects he may have hip dysplasia. He hasn't had an x-ray yet so it is unconfirmed. Will this be considered a pre-existing condition, even though there is no official evidence?

2 answers
Laura
Laura

No it wont be covered as your vet would have written notes on your file and it will be classed as a pre existing condition.

Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Aaron, unfortunately yes. As it is suspected by your veterinarian it will be considered a pre-existing condition. Would you like me to have a policy Expert reach out? Thanks, have a great day.

Gavin K

Gavin Kasked

Pet Insurance Australia

I have two dogs now. My first dog Oliie is insured with RSPCA but i am a little frustrated with them. Have had him since he was 8 weeks.
Adopted a 6 month old same breed and need to insure him. My only issue is that if i cancel my insusrance on RSPCA for Ollie you wont cover his pre existing conditions - a little bit of allergies.

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Gavin, I'm sorry to hear of your frustration with your current pet insurance provider. Unfortunately this is true - any conditions that Oliie has been seen for will be considered pre-existing. In our PSD it states; If any symptoms or signs of a Condition occur or the Condition exists in any form prior to insurance or during the applicable Waiting Period, then it will be considered to be a Preexisting Condition and it will not be covered. You can find more about our policies at our website www.petinsuranceaustralia.com.au or read our Product Disclosure Statement for all the info about pre-existing conditions at https://www.petinsuranceaustralia.com.au/wp-content/uploads/2018/06/PIA-PDS-eff-2018_06_29_Online.pdf thanks have a lovely day

lauren m.

lauren m.asked

Pet Insurance Australia

Would you cover a rescue Chihuahua? - Considering full medical history before 5 years cannot be obtained - Let me know

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Lauren, most certainly! At PIA we simply adore adopted pets. We understand that any information before you took ownership is not possible, so at PIA we only require the full vet history from the day you took ownership of your beloved Chihuahua. PLUS: proof of when you took ownership (from the shelter etc). Please let me know if you would like a policy expert to give you a call. Thanks, have a great day.

Roger

Rogerasked

Pet Insurance Australia

Do you cover a dog ingesting Nurofen or similar? Obviously no one plans for this to happen, but pets are scavengers and I have read articles that this is on the rise.

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Roger. PIA does generally cover intoxication or vomiting due to ingestion so long as you have illness in your level of cover and you have already adhered to the 30 day waiting period for the illness cover.

RMo

RMoasked

Pet Insurance Australia

Hi there, I have a rescue dog so have no vet history other than the vaccinations the RSPCA gave her until I adopted her at 14 months of age when I took her to the vet for a checkup and final vaccination. Will this cause difficulties if I need to make a claim in the future? Also, where can I see a full product description for the policies ?

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi RMo, thanks for making contact. At PIA we simply adore rescue pets. You will only need to have the vet history from when you took ownership of your precious pup. You can take a look at our website for all the policy details at www.petinsuranceaustralia.com.au thanks, have a wonderful week.

Blanco cooktop

Blanco cooktopasked

Pet Insurance Australia

My pets are in their 9th year. I have been with Prosure since they were pups. Does that matter?
Are your call centres overseas. Are you part of the Hollard group?

3 answers
Robyn R
Robyn R

?????

Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Blanco, that's unusual as we had answered this but it doesn't seem to be showing. Sorry about this. As the policy will be a new policy all pre-existing conditions would be considered. As a new policy, after the age of nine your pets are only eligible for Accident Only cover with PIA. Yes PIA is a part of the Hollard group. I hope this has been of some help, have a lovely day.

Blanco cooktop
Blanco cooktop

Thankyou.

Blanco cooktop

Blanco cooktopasked

Pet Insurance Australia

My pets are in their 9th year. I have been with Prosure since they were pups. Does that matter?
Are your call centres overseas. Are you part of the Hollard group?

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Blanco Cooktop, hope you are well? The policy would be considered a new policy so any pre-existing conditions would apply. After the age of nine, your pets would only be eligible for accident only cover, and not illness. Yes, PIA is a part of the Hollard group. Hope this has been of some help. Please let me know if you want me to have a policy expert reach out with a call. Have a great day.

Anne W.

Anne W.asked

Pet Insurance Australia

Our 2 year old rescue dog got hit by a car when he was still in foster care before the adoption. He had to go to the vet and got transferred to the clinic for emergency ultrasound and xray because of internal bleeding. He was on medication to stop the bleeding, which luckily worked straight away, and on pain killers for a bit. The internal bleeding was found to be coming from the spleen. He is totally fine now (the accident was before Christmas 2018) and no further treatment was necessary. Would this be considered a pre-existing condition if we start a policy now? Would we need a statement from the vet saying that he is healthy and doesn't have a any remaining conditions from this accident?
Please don't send a generic answer, I have read the terms and conditions but the wording on the pre-existing conditions is pretty vague from my point of view. Thanks!

3 answers

If your fur baby has any issues connected to this accident, even years down the track, All insurance companies will class it as pre existing. This is exactly what the assessors are looking for to be able to reject a claim.

Anne W.
Anne W.

That's kinda exactly what I'm thinking...so really no point paying for insurance if they are going to reject my claims anyway...

Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Anne. Sorry for the delay i've just seen this pop up. If the internal bleeding occurred again in the pet due to the previous motor vehicle incident injuries it would generally not be eligible for cover and bee seen as pre-existing on the Policy , but if the internal bleeding arose due to a separate condition to the motor vehicle incident then it may be eligible for cover so long as the condition is not pre-existing on the Policy which is having signs or symptoms before the Policies start date or within the applicable waiting periods which are a 30 day waiting period for illness and tick paralysis conditions and a 6 month waiting period for Cruciate ligament conditions.

Also in relation to the statement or letter from the vet, we would not require this since it will be outlined in their veterinary notes if a new incident of internal bleeding occurred the reason of the occurrence.

If we can be of any further assistance please feel free to email PIA. Thanks, have a great afternoon.

Susie K.

Susie K.asked

Pet Insurance Australia

I have a 15 week old puppy. When i first brought her home she developed diarrhoea in the first few days due to change in diet and anxiety due to the change. After taking her to the vet, she was fine after 3 days. She also had the beginning stage of an ear infection so I got medication for that too.
My question is; will the diarrhoea and ear infection be a pr existing condition?

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Susie,

We’re sorry to hear your new pup has been unwell, and we hope she’s now on the mend.

A pre-existing condition is defined as a condition that has presented first clinical signs and symptoms prior to the start of your coverage. Since the ear infection occurred before she was covered, this would be considered pre-existing if it were to reoccur in future since she would have demonstrated a pre-disposition for this particular condition before she was covered.

Gastro-intestinal problems may be a little different, as there are many different things that can cause an upset stomach in puppies. If the pet had a similar bout of gastro-intestinal problems, and this is linked to the issues she has recently had, we would also be unable to cover the treatment. However, if, for example she ate something toxic and exhibited diarrhoea in future, this would be generally coverable.

We do have a process to review the pre-existing condition exclusions once the policy has been in place for 18 months and no further problems have occurred. The form for this can be provided on request, by contacting our Client Services Team on 1800 043 552.”

Please let us know if you require any further information.

Ros

Rosasked

Pet Insurance Australia

Does your insurance policy cover IVDD?

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Ros. The policy does not cover any Pre-existing conditions prior to the policy commencement or any signs or symptoms that have occurred during the Waiting period. IVDD (intervertebral disc disease) is also excluded on the accidental injury cover only policies (so make sure you read the PDS and ensure you understand exactly what your precious pups are covered for and what your policy allows - you can find this here https://www.petinsuranceaustralia.com.au/wp-content/uploads/2018/06/PIA-PDS-eff-2018_06_29_Online.pdf). PIA's assessment of known issues with specific breeds (e.g. bad backs) are taken into account in the premium calculation. IVDD is covered in our Major Medical Policy. Hope this helps.

Lily D

Lily Dasked

Pet Insurance Australia

I am going overseas and leaving my dog with a friend to look after for 3 weeks. If she would need emergency care/ treatment during that period would my friend be able to put the claim in on my behalf and inform the vet that the dog is comprehensively insured under your company ? Thanks

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi Lily. You can add your friend as an Authorised person on the policy. As an Authorised person, they can submit claims on behalf of the policy holder and also inquire about claim status and outcome. However, the Authorised person cannot make any changes to the policy. Hope this helps. Have a great Christmas

nice_monkey

nice_monkeyasked

Pet Insurance Australia

Does your dog policy cover 3rd party liability?

1 answer
Pet Insurance Australia
PIA Management P.Pet Insurance Australia

Hi nice_monkey. PIA pet insurance only covers for the medical requirements of cats and dogs and not liability. Thanks, have a lovely day.

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