Pet Insurance Australia Questions & Answers

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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

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

Hi Tania. We most certainly do. Would you like me to get a PIA policy expert to give you a call?