Pet Insurance
Your pet is worth it. Get more peace of mind with our accidental injury and illness cover for your cats and dogs.{sub-heading}
Healthy pets, happy pet parents
Virgin Money Pet Insurance can help with the financial stress of emergencies – meaning you can focus on your pet and their happy, healthy life.
Claim up to $40,000 a year
With up to 80% back on things like accidents and illnesses, you get more peace of mind for when the unexpected happens.
Flexible excess to suit your needs
Everyone’s budget is different, so we offer excess options to match. From $0 to $1,250, tailor your excess to suit your furry friend and your finances.
Fast claim payments
Once we've assessed and accepted your claim, we'll reimburse you quickly. That means less waiting and fast access to your funds.
Great cover for great pet parents
Accidental injury
We cover vet consults, medications, and surgery if your pet has an unexpected mishap.
Illness
From the sniffles to skin issues and most things in between, we cover your pet when they get sick.
Vet consults
If you need to claim for your pet’s accident or illness, we’ll cover the vet consult to help reduce surprise costs.
End-of-life care
Saying goodbye is heartbreaking. If your pet needs essential euthanasia, there is cover.
Pet boarding
If you find yourself in the hospital, focus on your rest and recovery, there’s cover for your pet's emergency boarding costs.
Bites and paralysis
Ticks might be seasonal, but bites aren’t! We cover tick, insect, and spider bites, to help get your pet back on their feet.
Pre-existing conditions
Conditions your pet had before your policy starts or in a waiting period aren’t covered.
Breeding, pregnancy & birth
Costs related to breeding, pregnancy or giving birth aren’t covered.
Pet training, grooming & food
Things like puppy school, supplements and grooming products aren’t covered.
Alternative & elective therapies
Things like cosmetic surgery, acupuncture or physio aren’t covered.
Boost your cover
Add optional extras for a bit of extra care.
Dental illness cover
Help keep your pet’s teeth and gums happy with cover for dental illnesses.{common-gap}
✔️ Gingivitis
✔️ Periodontal disease
✔️ Dental cysts or tumours
✔️ Dental abscesses
Routine care cover
Help manage the cost of things you do regularly to keep your pet healthy.{common-gap}
✔️ Vaccinations
✔️ Flea, tick and worm prevention
✔️ Microchipping
✔️ Desexing
Free access to vet advice
Worried about your pet? You get complimentary access to video calls with licensed vet professionals. Get guidance quickly – wherever you are.
For more info, see televet T&Cs
Claim in 3 easy steps
Visit any vet
Whether it’s your regular or emergency vet, pay in-clinic and hold onto your invoices.
Upload and submit
Upload a photo or PDF of your invoices and submit. We’ll handle your claim from there.
Get reimbursed
Your money will be in your account in a few days once we’ve accepted your claim.
Frequently asked questions
What types of pets does Virgin Money Pet Insurance cover?
What are pre-existing conditions?
A pre-existing condition is a condition your pet already had before your policy starts or develops during waiting periods.
For permanent conditions, we only cover them if they start after the waiting period ends. We may cover temporary conditions if your pet is fully cured and symptom-free after 12 months.
What are my excess options?
What are the waiting periods?
How do I submit a claim?
To submit a claim, you need to:
- Pay your bill: keep your invoice – it should include details like the business or vet name, the items you’re claiming for, costs, and more
- Submit your claim: the fastest way to submit your claim is online through your account. Log in to insurance.virginmoney.com.au/my-account and follow the online claim prompts, or call 1300 862 860
- Provide supporting documents: this includes things like the itemised invoice receipt, vet notes, or your pet's vet history
If you’re feeling proactive, you can speed up your claim by submitting your pet's medical history but don’t worry if you don’t have it. We work with your vet to get the info we need to assess your claim.