My dog had an ear & eye infection caused by pollen in 2016 as in Margaret River we have one of the highest pollen counts in Western Australia, 3 weeks ago I noticed my girls left ear was infected. I took her to the vets who done swabs and advised this ear infection was caused by a bacteria due to her laying in fresh mulch. Guardian have then come back and said my girl will not be covered as this is seen as a pre existing condition even though the 2 incidents have no what so ever any similarities! Guardian Insurance are happy to take my $79 a mo...Read more

Very, very difficult to deal with their customer service. My vet had to email my pet's history 4 seperate times over three weeks until they finally received it. I would call customer service to see if they had received any emails from my vet and they would tell me that there was nothing coming through. Then after three weeks all of the sudden my claims were being processed after my vet had called and re-sent the email while on the phone to customer service. Although they were very hard to deal with, they covered my pup for ingesting foreign obj...Read more

Keep away, I have made two claims, both were rejected.
The first claim was rejected as a preexisting condition, specifically before the cover was taken out my dog was possibly bitten by an ant on its front paw, when the cover was taken out later we visited the vet for a rash on my dogs back, possibly in accordance with my vets advise a chemical rash from the dogs shampoo. According to Guardian this was a preexisting condition.
The second claim, my dog had kennel cough, after going to the vet and being prescribed medication a claim was made, ...Read more

I cancelled my policy with this mob yesterday .. After posting all the original paperwork to them in late May /early June, for a claim for my dog's annual check-up and injection I rang to find out why my claim had not been paid as yet. I was told I would not be paid as the policy does not cover this and that I was informed of this fact by email and letter already.. WRONG !!! No email, no letter was ever received.. I asked what my fortnightly payments did cover and was ignored. I told her to cancel the policy effective immediately and she tol...Read more

I took out Guardian Pet Insurance over the phone after referral from iSelect. I took out the highest cover and was told about the 30 day waiting period for Pre Existing conditions. I did not understand that pre existing was anything that happened during this 30 day waiting period. My dog was critically ill and we took him to the vet hospital. They ran a barrage of tests and after they proved negative asked me to ring my insurance company to check if they could run some blood tests. I called and gave my policy number etc and was told yes I was c...Read more

I really cant comment on the policy as we never needed to claim (thank goodness). I just had problem after problem with these guys. Nobody seems to know what they are doing.
I was quoted one price, whilst applying for the policy online and by the time my first bill came it was considerably higher then the original quote.
After multiple phone calls and emails I was then advised that unfortunately I would need to pay the higher amount. Silly really as when you sign up for something, in my opinion the quoted price should always be what you are...Read more