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Why Pet Insurance

It's scientifically proven that people who own a pet will live longer, be happier and feel less stressed. So how do you care for the pet that makes you a better human?

Introducing Petbarn Pet Insurance. It’s peace of mind that you can provide your pet with veterinary treatment with assistance from pet insurance when the unexpected happens.


Give your pets the care they deserve

Veterinary care comes at a cost, and if your pet needs emergency treatment due to an accident or illness, you could be looking at a bill for hundreds or even thousands of dollars. Taking out pet insurance is the only way for Australian pet owners to protect their finances while making sure the furry members of the family get the care they need.


Earn and Redeem Friends for Life points

Earn points on every single dollar spent on your premium. Petbarn Pet Insurance covers up to 80% of your vet bills, so you'll never have to make difficult decisions if your pet needs expensive treatments that you wouldn't be able to afford on your own. Our pet insurance is distributed by Australia's largest pet vet and retail network, and every dollar you spend on your premiums earns you Friends For Life points that can be redeemed at Petbarn stores or Greencross Vets clinic


Petbarn Pet Insurance

Petbarn Pet Insurance products provide great protection for your cat or dog, and is distributed by Australia’s largest pet network. Choose the plan to suit your budget while earning Friends For Life points for every dollar you pay on premiums. Our plans cover up to 80% of the cost of eligible vet bills (pre-existing conditions are excluded), allowing you to re-coup up to $20,000 per year on our Ultimate plan.

Dog insurance

dog insurance


Dogs are more than just pets, they're part of the family. But unlike the other members of our families, there are no universal health care schemes or government subsidies to help cover the costs when our dogs need urgent medical attention. Dog insurance is an invaluable asset in these situations, making veterinary care affordable so you won't have to face any heartbreaking decisions.

Dog insurance for every budget

Dog insurance from Petbarn helps you to manage the cost of vet bills for illness, accidental injuries and routine care through every stage of your dog's life**, from eight weeks to their old age. The type of dog insurance you choose and the cost of your premiums will depend on factors such as your dog's age and breed, whether they have been neutered or spayed, their current state of health and whether they lead an active lifestyle.

cat insurance

cat insurance

Looking out for your feline friends

Cats are famously inquisitive creatures, and sometimes this curiosity can lead them into trouble and land their owners with expensive vet bills. Even treatments for common issues such as Feline Lower Urinary Tract Disease (FLUTD) that affects many domestic cats can add up to thousands of dollars. If your cat suffers an unfortunate injury or develops an illness, cat insurance can make all the difference to their heath and to your bank balance by making veterinary care an affordable option.

Lifelong cover from kitten to senior

Petbarn Pet Insurance covers cats and kittens from as young as eight weeks through to old age, so you can rest easy knowing your furry friends will always be covered. Your cat insurance premiums take into account your pet's age, their breed, any existing health conditions and any risks they may be exposed to where you live.**


Our plans cover up to 80% of the cost of eligible vet bills (pre-existing conditions are excluded), allowing you to re-coup up to $20,000 per year.

  • Saver Plus

    Accident & Illness

  • Essential

    Accident & Illness

  • Ultimate

    Accident & Illness



Option 1 - Online Claiming:

For existing members please visit the PetPortal to submit your claim.

  • Simply upload a copy of both the itemised invoice and the consultation notes from your vet visit.
  • If this is your first claim we require your pet’s full medical history from all previous vets from the time you first owned your pet.
  • If your pet was adopted at an older age please supply adoption paperwork and medical records since adoption.

If you are a new member please Sign Up to use PetPortal.

Option 2 - Paper Claiming:

If you would prefer to send us your claim through the post, please ensure you have the completed the following additional steps:

  • Print a claim form and fill in your details.
  • Take it with you to the vet and ask them to fill out Section 2. Both you and your vet will need to sign the form.
  • Attach the original itemised invoices, payment receipts and consultation notes and post them in to; Petbarn Pet Insurance, Locked Bag 9021, Castle Hill NSW, 1765.

Download Forms:

Pet Claim Form
Cruciate Ligament Examination Form
Pre-Existing Condition Exclusion Form

^ Terms, conditions, waiting periods and exclusions apply. Petbarn Pet Insurance is general insurance issued by the insurer The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473; AFSL 241436) (Hollard), is distributed and promoted by Greencross Limited (ABN 58 119 778 862; AR No. 1241197) and administered by PetSure (Australia) Pty Ltd (ABN 95 075 949 923; AFSL 420183) (PetSure). Greencross acts as an Authorised Representative of PetSure. Greencross may receive a commission which is a percentage of the premium paid to Hollard and PetSure may receive a portion of the underwriting profit, if any – ask PetSure for more details. Any advice provided is general only and has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Consequently, before acting on this information, you should consider the appropriateness of this information having regard to your objectives, financial situation and needs. You should obtain and consider the Combined PDS, Policy Terms and Conditions & FSG available here in deciding whether to acquire or continue to hold, Petbarn Pet Insurance. 

**With no gaps or breaks in cover

Frequently asked questions^

Download PDS

We will reimburse you the Benefit Percentage selected by you which will be shown on your current Certificate of Insurance. For example, for an 80% Benefit Percentage we will reimburse you up to 80% of the eligible Vet Expenses (Excess and sub limits may also apply. The applicable Excess will be deducted from your benefit amount).
The Waiting Periods that apply are: 30 days - for Conditions covered under the Illness and tick paralysis sections. 6 months – for cruciate ligament Conditions (may be waived on application, refer to the ‘Waiting Period’ definition on page 21). 6 months – for treatment covered under the Dental Illness Benefit section if you have chosen this option and (this benefit is shown on the Certificate of Insurance).
It is any condition (illness or injury) or symptoms or signs of that condition occurring or existing in any form prior to the Commencement Date of your policy or during the policy waiting period. Pre-existing conditions will not be covered under the policy. For example, if your pet shows first signs of cancer prior to you taking out insurance cover or within the Waiting Period, then cancer will be considered as Pre-existing and all expenses incurred for cancer will not be covered. For more information, refer to the Combined Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide.
An example would be, if your pet displays clinical signs of a cruciate ligament Condition in the left leg prior to the Commencement Date of the policy or during the Waiting Period (a Pre-existing Condition), Vet Expenses for a subsequent cruciate ligament Condition in the right leg will not be covered. (Refer to the ‘Bilateral Condition’ definition on page 18 of the Combined Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide.
Once your pet is accepted and as long as you continue to renew your policy, your pet will be covered for eligible Vet Expenses for life**. You can apply for Illness Cover as long as your pet is over 8 weeks old.
As with most insurance policies, there are certain situations where you will not be covered. It is important that you read all of your policy documentation for full details of what is covered under each policy. For a list of General Exclusions refer to section 6 of the Combined Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide.
New policiesYour premium is calculated using a combination of factors about you and your pet. These factors can affect the premium amount up or down depending upon whether we believe it increases or decreases the risk to us, such as the cover you have chosen, the excess selected, the benefit percentage applicable to the cover you have chosen, where you and your pet permanently live, your age and the species, breed, gender of your pet, the current age of your pet, the age you first insured your pet, and other factors related to our cost of doing business.Renewing policies Factors that are taken into consideration for renewal premium calculation include your pet’s age, breed, location, duration for which your pet has been insured, claims history, as well as data relating to the health of pets that are a similar age and breed. Each year we review premiums based on these factors to ensure we can accommodate the costs of possible treatment up to your annual benefit limit, in the event that your pet becomes injured or ill.
Yes, your premium will increase each year. This is for two main reasons:Reason #1: Just like humans, the older our pets get, the more likely they are to have health hiccups. Cats and dogs age faster than we do, which means that their likely veterinary treatment costs go up rapidly each year too. As a result, the cost of insuring your pet will also increase as they get older.Reason #2: Advancements in Veterinary Treatments. The overall cost of medical treatment for pets has increased in recent years due to the increased availability of medical treatments and technology-enabled services and ongoing demand for these services. The treatment options and advancements in technology are providing us with great opportunities to give our pets a great quality of life for longer. While this is great news for the care of our pets, these treatments come at a significant cost. Year on year treatment costs increase, and this is factored into the cost of pet insurance. Please see ‘How do you calculate my premium’ for more information about calculation of premiums.
Every year, we review the cost of everyone’s insurance with regards to a combination of factors as well as claims inflation across all our insured pets. Increases in our claims costs due to increases in the range of available veterinary procedures, or due to an increased take-up of those services, impacts everyone’s premiums. Your premium takes into account the average cost of care for pets like yours. To provide an example of this, a pet parent with a three-year-old French Bulldog will be affected by the trends we see in our data from hundreds of three-year-old French Bulldogs that we insure, as well as the specific claims history of their own pet.
No. Pet insurance does not work like health insurance. Health insurance is ‘community rated’, which means that everyone pays the same premium for their health insurance regardless of their individual health status, age or claims history. This is not the case for pet insurance. Health insurance providers are able to community rate health insurance because there are many other factors at play in the human health care system, such as Medicare and government rebates and subsidies, which is not the case with veterinary care and pet insurance. Pet insurance claim reimbursements are paid for purely by the premiums received by those who insure their pets. In order for each person to pay a fair price for their pet insurance, premiums vary depending on your and your pet’s risk factors.




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Petbarn aims to make your experience of owning a pet wonderful and easy. We have a range of professional pet services and advice located in and around our stores for your convenience.

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  • Pet Adoptions
  • Puppy School
  • Pet Insurance
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