Pet Insurance Australia Questions & Answers (page 2 of 5)

Hi Michelle, we have call centres overseas and in Australia. Thanks, have a great day.

Hi Alycia
The Product Disclosure Statement specifies that we will not cover more than one ingestion of a foreign object in the same policy period. It is still eligible for cover under the illness cover, as detailed in Section 3 of the PDS.

What this does mean is that we can only reimburse the costs associated with surgical removal of a foreign object once per 12 month policy cycle. We could still potentially cover consultations relating to ingestion of a foreign object on a second occasion within the same policy period, provided surgical removal was not required.

We can also cover these kinds of incidents again once the policy had renewed.

I hope that this has answered your questions, however if we can be of any further assistance please do not hesitate to contact me again. Thanks, have a lovely weekend.

Hi Anita. Major medical plus routine care is the only plan available if you want to claim on routine care. However, routine care capped benefits would apply as follows:

$50 Annual Benefit Limit for any ONE of the Following:
Desexing
Heartworm Control
Dew Claw Removal
Prescription Diets
Microchipping
Teeth Cleaning
Cremation/Burial
Council Registration Fees
Alternative Therapy
Behavioural Therapy
Dog Training at a recognised facility
Obedience Training

Plus Annual Benefits for the Following:
$30 for Vaccinations or Health Checks
$10 for Heartworm Tests or Blood Screen
$45 for Flea/Tick/Worm Control
$10 for feLV/Fiv Tests or urinalysis

Hope this helps, have a wonderful day.

Hi Silvia, 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, de-sexing etc. You can find out more here. https://www.petinsuranceaustralia.com.au/our-cover-options/routine-care-cover/ desexing is under our genereal exclusions as it falls into the 'Elective Procedures', however with the Rountine Care Cover you can claim an annual amount towards this. Hope this has helped. Thanks, have a wonderful afternoon.

Hi Sarah, sorry for my delayed response. If a condition has been deemed pre-existing then any treatment, medication or visits for this condition will unfortunately also not be coverable. However if the condition is coverable under the policy then the treatment, medication or visits are also generally coverable. Thanks, have a great day.

Hi Ange, sorry it's taken me so long to get back to you about this. I had a good meeting with my team over this and unfortunately they have advised that they would not be able to provide a definite answer on this one as each pre-existing condition is reviewed case by case. As the claims team would need to evaluate the pet’s full vet history and would need further information on the specific condition itself when reviewing it they would not able to provide a definite answer on this case at this stage. Sorry about this, however if you took out a policy with PIA we could explore the options once all the information was received. Thanks, have a great day.

Hi John,
The general terms of the policy are if there are any signs or symptoms of a condition prior to the commencement of the policy it will be deemed pre-existing.
However, if the you proceeds with the application and there are no signs/symptoms of this condition for 18 consistent months you can apply to potentially have this removed. I hope this has helped. Have a great afternoon.

Hi Kelli, can you please email me your policy number and i'll have someone reach out asap. [email protected]. Thanks, have a great day.

Hi Sandi,
Sorry for the delay our social media team have been away at a conference. The premium increase after 12 months can be due to the promotion period falling off. For example the 2 or 3 months free, will be spread over the entire 12month period. We have noted this is a concern and we are working hard to find a way to offer the promotional periods without this occurring after 12months. I'd love to put you in contact with a policy expert who can discuss the premiums with you in detail? Please email your contact information to [email protected]. Thanks, have a great day.

Hi Kate. You are able to change the cover to add illness to the policy as long as your pet is less than 9 years old and the illness cover will be provided until the life of the policy. Please be advised there is a 30 days waiting period for illness conditions and 6 months waiting period for cruciate Ligament conditions (6 months Cruciate Ligament waiting period can be waived upon application). Any conditions that your pet has had before the policy commences or within the applicable waiting periods will be considered a Pre-existing condition and are excluded from the policy. Unfortunately we are unable to add Illness after your pet turns 9 years. Hope this helps? Please email me at [email protected] if you would like me to get a Policy Expert to make contact. Thanks, have a great evening.

Hi Dan. Thanks for contacting PIA. The $300 consultation fee sublimit is the maximum available for coverage of the consultation fee relating to conditions covered under the policy. If it ends up there was nothing wrong, but they did go to the vet for an incident or condition covered under the policy, so long as it is not related to a pre-existing condition, this consultation fee is generally coverable.

We understand the Cruciate Ligament waiting period is a long time, when you receive the policy documents, included is the Cruciate Ligament waiver form. If you wish to apply to have the 6 month Cruciate Ligament waiting period waived, this form needs to be filled out by the vet within the first 6 months, and be received by us within 14 days of the vet examination, once received the vet’s findings will be reviewed. Hope this has helped. Have a great day.

Hi Mop. They most certainly do. As long as you do not change the plan, we will continue to provide cover even after your pet turns 9. Hope this has been of some help. Have a wonderful day.

Hi Ali. Sorry for the delay in my response. Each claim is assessed on its own merit, based the pet’s vet history. If there have been signs or symptoms of a condition before the policy started, or during the applicable waiting period, the condition is pre-existing and not coverable. If a condition being claimed is found to be related or resulting to an incident which occurred before the policy started, this would be pre-existing. Hope this has helped. Have a lovely evening.

Hi Shivawn. Sorry for the delay. If you were to commence a new Policy with us, this specific incident would be considered a Pre-Existing Condition as it occurred before the Policy’s commencement date. If a complication relating to this incident occurs during the Policy period or within the applicable waiting periods, this may also be deemed a Pre-Existing Condition and excluded from cover. However, each claim is assessed on its own merit. If your Pet is to swallow a foreign object, and it is not directly related to any Pre-Existing Condition, we will generally cover for this once per policy period, under the illness portion of the policy. However, waiting periods do apply. Hope this has helped. Have a great day.

Hi Jess. Sorry for the delay over the Christmas period. We have call centres in Sydney and Manilla. Thanks, have a great day.

Hi Zoe. Sorry for the delay, I hope you had a wonderful Christmas. Unfortunately we do not provide cover for dental issues as it is general exclusion. If you can find more about our coverage options by visiting our website and clicking on our product disclosure statement. https://www.petinsuranceaustralia.com.au/important-notices/
Thanks, have a great New Year.

Hi LSP. Most certainly. As long as you do not change the policy and continue to pay your premiums and your cat is under the age of 9 when you signed up, you will be covered for life. Thanks, have a great day.

Hi Sidney. In such cases, we will need you to provide us Vet history from when they took ownership of the pet. They can provide us with document to confirm when pet was adopted (receipt/ proof of ownership). Hope this helps? If you want I can have a policy expert give you a call? Just email me your details through to [email protected]. Thanks, have a wonderful day

Hi Beris. you can head over to our website at www.petinsuranceaustralia.com.au for a quote tool. Please let me know how you go. Have a great day.

Hi Meg. I'd love to help. Can you please email your policy number and i'll have supervisor contact you asap. [email protected] thanks, have a great day.