Pet Insurance Australia Questions & Answers (page 3 of 5)

Hi Family-Guy77. As this would be a new policy, there will be waiting periods, and any condition s where the first signs and symptoms occurred before the policy or during the applicable waiting, will be pre-existing and therefore a general exclusion. I hope this has been of some help. Have a great day.

Hi Dolores. 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. Our Routine Care Cover pays 100% of the cost up to the specified limit for each benefit, and there is no excess applicable to this cover. Please see our website at http://www.petinsuranceaustralia.com.au/our-cover-options/routine-care-cover/ for more information on Routine Care and what it covers. I hope this has helped. Thanks, have a great day.

Hi Lisa. Yes it would still be classed as a Pre Existing Condition. However what you can do as per the Product Disclosure Statement, is once you have started the policy, 18 months after taking out the policy, you can apply for a pre-existing condition review as per the PDS excerpt below:

“Pre-existing Condition review
You may apply to us to review a Pre-existing Condition exclusion provided that your Vet certifies and provides (at your expense) veterinary records verifying that your Pet has been free of clinical signs, symptoms or recurrence of the Pre-existing Condition (or any Condition(s) arising directly therefrom) up to the date of receipt of your Review.
Application Form, which shall be no less than a period of eighteen (18) months from the original policy Commencement Date.

Your request for this review must be made in writing after the completion of the eighteen (18) month period using our prescribed Review Application Form. The Pre-existing Condition exclusion(s) shall not be deemed to have been lifted unless agreed to by us in writing. Agreement to lift all or part of the exclusion(s) is at our sole discretion and we are not obligated to provide reasons for declining a request.”

Thanks Lisa. Hope this has helped. Have a lovely evening.

Hi Toobs. Unfortunately if there are signs or symptoms of a condition before the policy started, or during the applicable waiting period, the condition will be pre-existing and therefore not coverable. In this instance, if the you were to start a policy, any follow up visits for any condition related to the nose discharge would not be coverable as the condition would be pre-existing. Hope this has helped and I hope your dog is feeling better soon.

Hi Nat,
Thanks for contacting PIA. Premiums generally increase year on year as your pets get older. Unfortunately we don’t have an exact forecast as premiums are re-assessed at time of renewal each year. Hope this helps? Feel free to email me your contact information to [email protected] and I can have a policy expert give you a call. Thanks, have a great day.

Hi JLee. Let me just check on this for you.

Hi JLee. Yes you will be covered. As long as you do not change the plan, we will continue to provide cover even after your pet turns 9.

Hi Tracie. The Waiting Periods that apply are: 30 days – for Conditions covered under the Illness and tick paralysis sections and 6 months or cruciate ligament Conditions (may be waived on application).Waiting Period means a period starting from the Commencement Date of the first Policy Period during which a Condition that occurs or shows symptoms or signs will be excluded from Cover unless otherwise stated on your Certificate of Insurance. If you send me an email with your contact information I could have a policy expert give you a call to further explain? Alternatively have a look at our policy booklet at
http://www.petinsuranceaustralia.com.au/wp-content/uploads/Pet-Insurance-Booklet-2017_dev-2.pdf?x57005
Thanks, have a great day.

HI Nik. Let me just look into this for you.

Swallowing a foreign object is generally coverable with our illness cover. Our Accidental Injury cover is quite specific in what it does cover and some incidents that we would associate with being an accident, are assessed under illness with your insurance policy. The list of Accidental Injuries is available in our Product Disclosure Statement and for further details, please call us on 1800 043 552 and we will be more than happy to assist you.

Hi K.L. Let me just look into this for you in more detail.

Congratulations on your new kittens! Our Pet Insurance is a reimbursement method, meaning that you will pay the bill and put in the claim to be reimbursed. If you do choose to have an excess, the excess would never need to be paid up front as it is deducted from claim benefits received. The excess is applied per condition, per policy period and not per claim so if your pet does need multiple treatments for a condition, the excess will only be applied once for the condition for that policy period. If you do have further questions on our insurance policies, please feel free to call us on 1800 043 552 and we will be happy to assist you.

Hi Jay. Is there a question I can help you with?

Hi Jay. Sorry about this, can you please send me your policy number through to [email protected] and i'll get a supervisor to look into this for you. Thanks, have a great day.

Providing you do wish to renew your Pet Insurance Policy, your policy would continue to automatically renew on the terms contained in each year’s renewal offer for the life of your pet unless you advise us otherwise. Please be advised that the premium will commonly increase year on year slightly as your pet does get older. Hope this has helped. Have a great day.

Hi, thanks for taking the time to ask us a question. I'm just checking with my pet loving team to get a detailed answer. Have a great day.

Premiums are calculated based on the age, breed and location of your pet and it’s a great idea to insure your pets when they are younger. You are covered from policy commencement for conditions that fall under accidental injury cover (defined in the PDS). There is a 30 day waiting period for illnesses. Our cover is primarily there for unexpected accidents and illnesses – dental and routine treatments are an exclusion. However if you take out the top level of cover (Major Medical), you can choose to add Routine Care where you would be able to claim $50 annually towards teeth cleaning, and $30 annually for a vaccination or a health check. If you send me your contact information I can have a policy expert give you a call? [email protected]. Thanks, have a great day.

Hi Paul, thanks for contacting PIA. At Pet Insurance Australia, we pride ourselves on customer service and great value Pet Insurance. Pet Insurance Australia were rated 5 CANSTAR stars by CANSTAR Research in 2016 for outstanding value. Unfortunately with online product review sites, consumers are much often more prompted to provide reviews when dissatisfied rather than when pleased with the service they have received. A large number of reviews stem from a misunderstanding of the coverage that was selected. Our Customer Service team is available 8-8pm Monday - Friday to help to provide understanding around our product and coverage to ensure that you feel comfortable knowing what you are and are not insured for to make an informed decision on if the insurance is right for you. If you would like one of our policy experts to give you a call please send me over an email with your contact information to [email protected]. Thanks, have a great day.

Hi Fiona. Each pet is a whole new policy and premiums are calculated using various factors such as the pets breed, age and gender. We do have a multi-pet discount which with 5% off premiums for a second pet, 10% off premiums for a third pet and 15% off premiums for a fourth pet. In regards to the cats with the same Date Of Birth etc. the multi-pet discount is likely the largest contributing factor to the difference in premiums. If you send me an email at [email protected] with your contact information I can have a policy expert give you a call? Thanks, have a great evening.

Hi Michelle, firstly I hope your beautiful Frenchie is OK? If your dog has shown signs and symptoms of elongated soft palate, such as panting/breathing problems, then soft palate surgery are coverable conditions under the Illness Section of the policy only. As long as it is not a pre-existing condition or there were no signs or symptoms of their condition during the applicable waiting period or prior to the policy commencement. If you would like to discuss this further, please send me an email at [email protected] with your contact information and policy number or phone us on 1800 043 552.

Hi Marree. Thank you for your enquiry into Pet Insurance Australia.
Please note that, with a no excess policy and 80% level of cover, you will receive 80% for eligible Vet bills up to your yearly maximum benefit limit. Please note that this does not apply to Pre-existing Conditions or conditions which are showing clinic signs or symptoms within the applicable Waiting Periods. Please also refer to our Product Disclosure Statement as listed on our website www.petinsuranceaustralia.com.au for further details. You will find the Product Disclosure Statement at the bottom of the home page under “General Information” “Downloads” “Pet Insurance Australia Policy Booklet” I hope that you have found this information to be helpful

Hi Kad. I’m sorry that your dog is suffering from incontinence. Incontinence is generally a coverable condition under the Illness Section of the policy only. It is subject however, to the Terms and Conditions of the policy relating to Pre-existing Conditions and Waiting Periods and any of the exclusions listed under Section 6 – General Exclusions. Please refer to the product disclosure statement which is available on the website. If you would like to discuss this further, please contact us on 1300 855 150 alternatively flick me over and email and i'll have a policy expert contact you. [email protected]

At PIA we love adopted pets. The good news is that we only require the full veterinary history from adoption, therefore we will require vet history from any current and previous vets since ownership. This information is to include adoption paperwork/proof of ownership and consultation notes for each visit; these are the veterinarians notes from examination findings and can be printed off for you by the vet, or sent to us directly from the vet. Once we have these notes on file they will remain on record and you will not need to supply these historical records again. If you would like to discuss this further, please send me a message to [email protected] alongside your name and contact details or phone us on 1800 043 552. Thanks, have a wonderful day.

Good Morning, let me just check on this for you.

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 and younger than 9 years. There is no upper age limit to qualify for Accidental injury cover.
Please refer to the product disclosure statement for any exclusions, which is available on the website. If you would like to discuss this further, please email me on [email protected] alongside your contact details or phone us on 1800 043 552’

Hi Mary,
If the dog has shown signs and symptoms of elongated soft palate, such as panting/breathing problems, then soft palate surgery are coverable conditions under the Illness Section of the policy only. As long as it is not a pre-existing condition or there were no signs or symptoms of their condition during the applicable waiting period or prior to the policy commencement. If you would like to discuss this further, please send me an email at [email protected] alongside your name and contact details or phone us on 1800 043 552’.