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Petbarn Pet Insurance

At Petbarn, we know you've made an unspoken promise to care for your pet. We can help you keep it, with Petbarn Insurance.

Our policies provide your beloved furry family members with cover when they need it most, all you need to do is choose the cover that best suits you and your pet.

  • Choose from



    No overall annual policy limit

    (up to applicable benefit limits)
  • Up to


    coverage for eligible vet bills on our Total Cover

Get Wellness plus Insurance

Complementing our Petbarn Insurance range, Greencross Vets’ Healthy Pets Plus^ (HPP) is our preventative healthcare program, designed to keep your pet healthier and happier for longer.

As a member of HPP you can rest easy knowing you’ll receive tailored wellness programs for your pet and unlimited Greencross vet consultations.

^Greencross Healthy Pets Plus is a separate subscription based service to the Petbarn Insurance product. The service is provided independently by Greencross Vets (ABN 58 119 778 862). Please note that some benefits under the Healthy Pets Plus program will not be covered under Petbarn Insurance policies. Please visit Greencross Vets for more information.

Petbarn Insurance

Petbarn 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 Total Cover plan reimburses up to 100% of your eligible vet bill, up to the applicable benefit limits (pre-existing conditions are excluded).

Double Friends For Life points

Earn points on every single dollar spent on your premium. Our premium plan, Total Cover, has a market leading benefit percentage so you won't have to make difficult decisions if your pet needs costly treatments that you might not be able to pay for 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.

~Terms and Conditions apply. Visit Friends for Life for more information.

Free rewards valued at $1,000

Take out a new Petbarn Insurance policy and receive Petbarn’s Little Book of Big Savings FREE, with over $1,000 of valuable vouchers including free gifts, bonuses, upgrades and discounts.

Protect your pet’s future and your vet expenses too

Petbarn Insurance offers three levels of cover for pets and their owners. With a market leading benefit percentage, you can rest easy knowing we’ve got you covered when it counts. Compare your options to find the best match for you and your pet.

As each condition covered in your policy has a per condition limit there may be some out of pocket expenses incurred as a result of reaching this limit. Please refer to the PDS for more information.

  • Core Cover

      • Up to 90% of eligible vet bills reimbursed per policy period subject to applicable benefit limits (65% for pets over 8 years old)
      • No Excess

    • Want cover for just the basics? We’ve introduced per condition limits to help keep your premiums manageable year on year. Our Petbarn Core Cover provides protection for just the essentials, with a $500 per condition limit and no overall annual policy limit. This cover pays up to 90%* on eligible vet claims up to the per condition limit.
  • Core Plus Cover

      • Up to 90% of eligible vet bills reimbursed per policy period subject to applicable benefit limits (65% for pets over 8 years old)
      • No Excess
      • Includes cover for cruciate ligament conditions.

    • Know what’s ahead - We’ve come up with a product that’s designed to keep your premium increases manageable making it easier to keep your pet covered year after year. With double the per condition limit, our Core Plus Cover can help pay up to $1,000 on covered conditions. This cover reimburses up to 90%* on eligible vet claims up to the per condition limit.
  • Total Cover

      • Up to 100% of eligible vet bills reimbursed per policy period up to the benefit limits in your policy schedule (65% for pets over 8 years old)
      • No Excess
      • Includes cover for cruciate ligament conditions.
      • Includes Specified Accidental Injury and Illness cover and other treatments that other policies don’t cover like behavioural therapy, dental illness and prescription diets.

    • Petbarn’s Total cover is our highest level of coverage with extensive Specified Accidental Injury and Illness Cover so you and your vet can consider a range of treatment options, without all the financial worry. No overall annual policy limit and up to 100%* cover on eligible vet claims up to the benefit limit in your policy schedule (which varies for each condition).

Compare Coverage

Compare different types of coverage to determine what works best for you!

 Core CoverCore Plus CoverTotal Cover
Pet Age Eligibility From 8 weeks up to 9 years old From 8 weeks up to 9 years old From 8 weeks up to 7 years old
Annual Policy Limit (up to applicable benefit limit per item) No overall annual policy limit No overall annual policy limit No overall annual policy limit
Excess No excess No excess No excess
% of eligible vet bills reimbursed per policy period* 90% (65% for pets over 8 years old) 90% (65% for pets over 8 years old) 100% (65% for pets over 8 years old)
Covers specified accidental injury and illness Yes - including tick paralysis and ear conditions Yes - including tick paralysis and ear conditions Yes - including tick paralysis and ear conditions
Per condition limit $500 $1000 Refer to PDS for Policy Schedule of Benefit limits
Dental conditions Not included Not included $750 of dental included (6 month waiting period applies).
Emergency boarding $500 $1000 $500
Cruciate ligament conditions1 Not included $1000 $4000
Alternative treatments Not included Not included $500
Behavioural and anxiety conditions Not included Not included $400
Additional Benefits Not included Not included Prescription diets, alternative and complementary therapies, behavioural and anxiety conditions
Waiting periods
  • 0 Days for specified accidental injury
  • 30 Days for illness
  • 0 Days for specified accidental injury
  • 30 Days for illness
  • 6 months for cruciate ligament conditions
  • 0 Days for specified accidental injury
  • 20 days for illness, behavioural conditions, prescription diets and alternative and complementary treatments
  • 6 months for cruciate ligament conditions and dental illness conditions
Pre-existing conditions Not included Not included Not included
Some conditions are eligible for review after an 18-month period - this can be done on application or simply by submitting your claim. Refer to your PDS or our Pre-existing condition page for more information

*Please note that the benefit percentage will be 65% for all pets over 8 years of age.

1In some instances, you may be entitled to a higher annual limit for this Condition, if so, this will be printed on your Certificate of Insurance.

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Receive 2 months free

Use code 2MFREE to redeem offer.

Multipet 10% discount

Automatically get 10% discount on any additional pets you add to your cover.

Free rewards book

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Make a claim


Option 1
Gap OnlyTM

  • Let your clinic team know you’d like to submit a GapOnly™ claim for your pet’s treatment.
  • Your clinic will lodge a GapOnly™ claim on your behalf, and it’s assessed within 10 minutes. Any longer and the team will let you know so you can decide whether you want to stay or have the claim processed as an eClaim instead. Once the claim’s been assessed and approved, you simply pay the gap and go.
  • As a pet parent, when your fur baby gets sick or injured, the last thing you want to be worrying about is whether you can afford treatment. Innovating the pet insurance claims experience, GapOnly™ reviews and calculates your claim while you’re still at your Greencross Vets clinic. You simply pay the gap (the difference between your Greencross Vets invoice and your pet insurance policy claim benefit) and go.

Option 2
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 3
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 Insurance, Locked Bag 9021, Castle Hill NSW, 1765.

Download Forms

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

To request a pre-approval

If your Pet requires Treatment and you wish to seek pre-approval of those costs, you can provide us with the itemised estimate of costs from your Vet, along with the treatment required and relevant clinical records and/or veterinary history, and we will respond to you in writing with the outcome.

A pre-approval shall not be deemed to be valid unless we have agreed to it in writing. The reimbursed amount may vary from the pre-approval if the Treatment provided by your Vet differs from the Treatment request in the pre-approval.

To request a pre-approval:

Call us: 1300 618 412

Email us:

Frequently asked questions

For policies first issued prior to 10 December 2019 and subsequent renewals:

Download PDS here

For policies first issued on or after 10 December 2019 and subsequent renewals:

Download Core Cover & Core Plus Cover PDS here

Download Total Cover PDS here

Download Total Policy TMD here

Download Core and Core Plus TMD here

Download Legacy Policies (Saver Plus, Essential and Ultimate) here

What percentage of my vet expenses am I covered for?

If you are covered under:
Core Cover and Core Plus Cover: the Benefit Percentage for Pets aged eight weeks and younger than eight years is 90%, up to the applicable policy limits. Once your Pet reaches his/her eighth birthday, the Benefit Percentage will reduce to 65% up to the applicable policy limits on the next policy renewal.
Total Cover: the Benefit Percentage for Pets aged eight weeks and younger than eight years is 100% up to the applicable policy limits.
Once your Pet reaches his/her eighth birthday, the Benefit Percentage will reduce to 65% up to the applicable policy limits on the next policy renewal.

What are annual condition limits?

The Annual Condition Limits are the maximum benefit amounts paid per illness, specified injury or other items covered under your policy (such as emergency boarding) that you are claiming for. For example, Core Cover has an Annual Condition Limit of $500 for each covered condition and item, and Core Plus Cover has an Annual Condition Limit of $1,000 for each covered condition and item.
The Total Policy has different limits per condition or other covered item, ie $750 for Hernia or $6,000 for Bone Fractures, which are all set out in the Benefits Schedule. If you would like more information about the applicable benefit limits for the Total Policy, please refer to the Policy Schedule in your ‘Total’ Product Disclosure Statement.
As each condition and item covered under your policy has a per condition limit, there may be times where you will need to pay an additional amount of the eligible vet bill above what is covered by your insurance policy. Depending on the condition and the amount of the vet bill, this may be a significant amount.

For example, if your pet is treated for Hip Dysplasia (with a per condition limit of $500 on Core Cover) at a 65% Benefit Percentage (because your pet is over 8 years of age) and the eligible vet bill comes to $640, you will need to pay the difference of $224. For example, for a Pet over the age of 8 years old:
Calculation of how the claim is paid
Amount ($)
Median Claim amount for Hip Dysplasia $640
Benefit Percentage Applied for Pets over 8 years (65%) $416
Benefit Paid after annual Condition Limit is applied $416
Total Out of Pocket $224
Total claimable benefit Amount remaining for the Condition until renewal $84
This means that after making this claim, you will have $84 left to cover any conditions related to Hip Dysplasia for the rest of your Policy until renewal.  

Why does my cover drop to a 65% benefit rate when my pet is 8 years old?

As our Pets age, their health starts to suffer and they are likely to visit the Vet more frequently. The increases in the likely frequency and therefore the cost of Treatments impacts on the cost of pet insurance for all ageing pets. In order to continue providing cover and keep your premiums manageable, your benefit percentage will step down to 65% on the first renewal period once your pet reaches 8 years of age.

Is my premium calculated the same way as my private health insurance?

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 you and your pet’s risk factors.

What waiting periods apply?

The Waiting Periods that apply for conditions covered under each policy are:
Core Cover:
- 30 days - for Conditions covered under the Illness and tick paralysis sections.
-0 Days – for specified accidental injuries
Core Plus Cover:
-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 in PDS). 0 Days – for specified accidental injuries
Total Cover:
-20 days - for Conditions covered under Illness, prescription diets, and alternative & complementary therapies, behavioural conditions.
-6 months – for cruciate ligament conditions (may be waived on application, refer to the ‘Waiting Period’ definition in PDS).
-6 months – for treatment covered under the Dental Illness Conditions section.
- 0 Days – for specified accidental injuries

What is a pre-existing condition?

- A condition that existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period.
- A condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of.
This is irrespective of whether the underlying or causative condition was diagnosed at the time.
Whether it is a pre-existing condition will depend on its nature and experience. If your pet has a temporary condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a pre-existing condition. Chronic Conditions and several other specified Conditions cannot fall within this category.
You can apply to have Pre-existing Conditions Reviewed.
For more information about Pre-existing Conditions, click here.

What is an example of a bilateral condition?

A Bilateral condition is a condition affecting body parts of which the Pet has at least two, one on each side of the body (for example, ears, eyes, knees and elbows). Bilateral conditions can be covered if you have the appropriate level of cover, and the condition is not a pre-existing condition or subject to a general exclusion. However, when applying a Benefit Limit or exclusion, a Bilateral Condition will be considered a single Condition.
For example: if your pet displays signs or symptoms of an ear infection in the left ear prior to the commencement date of the first policy period or during the applicable waiting period, a subsequent ear infection in the right ear will still be considered to be a Pre-existing Condition (refer to the ‘Bilateral Condition’ definition in ‘Section 1 – Definitions’ of the Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide).

Will I have a lifelong cover for my pet?

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 (subject to the terms of policy that apply on renewal).

What exclusions apply?

As with most insurance products, there are certain situations where you will not be covered. There are some general exclusions such as:
-Conditions which occurred prior to commencement of your policy or during any applicable waiting period ('pre-existing conditions').
-Routine or preventative treatments.
-Some elective treatments and producdures and breeding or obstetrics.
There may also be specific exclusions which may aplpy to specific levels of Cover.

It is important that you read all of your policy documentation for full details (including section 2 to section 4, your Certificate of Insurance and 'Section 5 - General exclusions' of your PDS)

How do you calculate my premium

New policies; Your 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.

Will my premium increase every year?

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.

Will my premium increase every even if I don't submit claims?

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.

How do I apply to have a pre-existing condition reviewed?

If your pet has had a temporary condition that was subject to the pre-existing exclusions, you can apply to have it reviewed.
Your vet will need to certify and provide veterinary records verifying that the condition remains a temporary condition and has not existed, occurred or shown noticeable signs, symptoms or an abnormality in 18 months. The pre-existing condition exclusion(s) will not be deemed to have been lifted unless agreed to by us in writing.
You can download a copy of the pre-existing condition review form here
Where your pet requires treatment you can also request a pre – approval for treatment under your policy and we will respond to you advising whether the treatment is covered by your policy.

How long do I have to submit a claim after my pet had treatment?

We have recently made a change to our claims procedure. You no longer need to submit your claims within 90 days of treatment. There is no time limit to submitting a claim for your pet.

Can I visit any Vet?

Yes, you can visit any vet (other than yourself) that is licensed to legally practice as a veterinarian in Australia. Please note, although it is rare, if expenses incurred by you with respect to the Treatment significantly exceed what is reasonable and expected, having regard to the circumstances in which the Treatment was provided, then claim payments may be adjusted to the amount of reasonable and expected expenses.

If your Pet requires treatment, you can seek a claim pre-approval, whereby we can provide you with the details of your claim reimbursement. To request a pre-approval, simply call us on 1300 618 412

Can I cancel my pet’s policy?

You may cancel your policy at any time. We understand circumstances can change and would like to see if we can help keep your cover active. Please call our customer service team on 1300 618 412 or send us an email at so we can discuss your options.

If you do decide to cancel, we will issue a pro-rata refund for the uninsured period where premiums are paid annually, less any applicable government or statutory charges. If you pay by instalments, we will not deduct any further premiums after the date of cancellation.

Petbarn Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and is promoted and distributed PetSure’s Authorised Representative (AR) Greencross Pty Limited Ltd ABN 58 119 778 862, AR 1241197. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing. PDS and Target Market Determination available at

We understand there are times when our customers may be feeling vulnerable due to a range of factors. We recognise these vulnerabilities can give rise to unique needs, which can change over time or in response to particular situations.

Petbarn Insurance and our underwriters, Hollard and PetSure, are committed to taking extra care of customers in these situations. If you are experiencing vulnerability and would like to know more about the extra care we can provide please call our customer service team 1300 618 412.

Pet Insurance customers Click here for information about PetSure’s Family Violence Policy.

You can also email them on or find accessibility options to contact PetSure.



Please see all information regarding submission of complaints here