Gumtree Australia 2025: The Essential Guide to Local Classifieds
Our expert's opinion on Gumtree
Gumtree offers Australian pet owners two core insurance options—Gold and Platinum Cover—providing specified accidental injury and illness protection, with the option to add dental illness and routine care benefits. Both plans feature customisable annual benefit limits, an example 80% reimbursement rate, and annual excess (e.g. $250 per condition), although full premium pricing is not disclosed, which makes direct comparison to competitors more challenging; however, Gumtree stands out for its broad dental illness cover option and streamlined claims via GapOnly® and digital portal. Positioned as a solid mid-tier option, Gumtree is best suited to owners seeking flexible dental cover or routine preventative care supplements, especially for younger pets and those needing straightforward digital claims. Funded and serviced by Petinsurance.com.au (Petsure Pty Ltd)—a major player in the Australian market with strong financial backing—the product offers reliable claims processing but no public Trustpilot score or review data have been published, making third-party feedback unavailable; claims are processed digitally with electronic vet submission and average industry reimbursement timelines (10–30 days).
- ✅Two plan options: custom dental illness and routine care add-ons
- ✅Digital claims submission; supports GapOnly® real-time vet claims
- ✅Emergency pet boarding cover for hospitalised owners
- ✅Flexible excess and benefit structure
- ✅Dedicated pre-approval service for major vet costs
- ✅Financial security via Petinsurance.com.au (Petsure Pty Ltd)
- ✅No waiting period for accidental injuries
- ❌No published customer reviews or Trustpilot score
- ❌No pricing information available for comparison
- ❌Long waiting period for cruciate ligament and dental benefits (6 months)
- ❌Extensive permanent exclusions for hereditary/genetic conditions
- ❌No telehealth or 24/7 vet assistance hotline
Score- ✅Two plan options: custom dental illness and routine care add-ons
- ✅Digital claims submission; supports GapOnly® real-time vet claims
- ✅Emergency pet boarding cover for hospitalised owners
- ✅Flexible excess and benefit structure
- ✅Dedicated pre-approval service for major vet costs
- ✅Financial security via Petinsurance.com.au (Petsure Pty Ltd)
- ✅No waiting period for accidental injuries
Our expert's opinion on Gumtree
- ✅Two plan options: custom dental illness and routine care add-ons
- ✅Digital claims submission; supports GapOnly® real-time vet claims
- ✅Emergency pet boarding cover for hospitalised owners
- ✅Flexible excess and benefit structure
- ✅Dedicated pre-approval service for major vet costs
- ✅Financial security via Petinsurance.com.au (Petsure Pty Ltd)
- ✅No waiting period for accidental injuries
- ❌No published customer reviews or Trustpilot score
- ❌No pricing information available for comparison
- ❌Long waiting period for cruciate ligament and dental benefits (6 months)
- ❌Extensive permanent exclusions for hereditary/genetic conditions
- ❌No telehealth or 24/7 vet assistance hotline
Score- ✅Two plan options: custom dental illness and routine care add-ons
- ✅Digital claims submission; supports GapOnly® real-time vet claims
- ✅Emergency pet boarding cover for hospitalised owners
- ✅Flexible excess and benefit structure
- ✅Dedicated pre-approval service for major vet costs
- ✅Financial security via Petinsurance.com.au (Petsure Pty Ltd)
- ✅No waiting period for accidental injuries
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in Australia every year to provide you with a reliable and unbiased analysis. Thanks to this careful approach, hundreds of thousands of Australians trust us each month to help them make their most important financial decisions.
Gumtree Guarantees
Gumtree, via Petinsurance.com.au, offers two main pet insurance plans for Australian pet owners: Gold Cover and Platinum Cover, both providing specified accidental injury and illness cover, with Platinum including dental illness by default and both allowing optional routine care benefits. Both plans typically reimburse at an 80% benefit rate (as shown on your certificate), with a customisable excess (e.g., $250 per condition, per period), annual benefit caps, and clearly defined waiting periods—21 days for illness, 6 months for cruciate ligament and dental illness, and no waiting for accidents. Key strengths include straightforward injury coverage, included emergency pet boarding, and flexible dental/routine care add-ons, while exclusions are extensive—especially for pre-existing, behavioural, routine, and alternative/complementary treatments, and there’s no coverage for hereditary conditions or preventive care unless the optional routine care is selected. Gumtree stands out for transparency, simple claims, and optional pre-approval, though absence of telehealth, limited included dental, and strict exclusions reduce overall flexibility compared to competitors. Pricing and customer satisfaction data are not published (N.C.), requiring further research before subscribing.
| Name of coverage | Gold Cover | Platinum Cover |
|---|---|---|
| Plan positioning | Mid-level with optional dental/routine care | Premium, includes dental, optional routine care |
| Type of coverage (accident, illness, both, etc.) | Specified accidental injury and illness | Specified accidental injury and illness |
| Animals covered (dogs, cats, other) | Dogs, cats | Dogs, cats |
| Reimbursement rate (%) | Example 80% (certificate-specific) | Example 80% (certificate-specific) |
| Annual reimbursement limit | Certificate-specific (N.C.) | Certificate-specific (N.C.) |
| Deductible (annual or per claim) | Customisable, e.g. $250 per condition per period | Customisable, e.g. $250 per condition per period |
| Age limits for enrollment (for dogs and cats) | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. |
| Waiting period (illness) | 21 days | 21 days |
| Waiting period (accident) | None | None |
| Lifetime coverage once subscribed | N.C. | N.C. |
| Vet consultations (regular + emergency) | ✅ Eligible in vet expenses, subject to limits | ✅ Eligible in vet expenses, subject to limits |
| Medications | ✅ Prescribed meds (not preventative/routine excluded) | ✅ Prescribed meds (not preventative/routine excluded) |
| Hospitalization | ✅ Eligible vet expenses, subject to policy terms | ✅ Eligible vet expenses, subject to policy terms |
| Surgery (including anesthesia) | ✅ Eligible vet expenses, subject to benefit/exclusions | ✅ Eligible vet expenses, subject to benefit/exclusions |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ Eligible vet expenses, subject to limits | ✅ Eligible vet expenses, subject to limits |
| Dental care (includes scaling and procedures) | Optional Dental illness cover (added premium, sub-limit) | ✅ Included dental illness (sub-limit within benefit limit) |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | Optional routine care (non-insurance, extra) | Optional routine care (non-insurance, extra) |
| Alternative medicine (osteopathy, acupuncture, etc.) | ❌ Not covered (explicit exclusion) | ❌ Not covered (explicit exclusion) |
| Travel coverage (countries included, duration) | N.C. | N.C. |
| Euthanasia | N.C. (generally excluded unless illness covered) | N.C. (generally excluded unless illness covered) |
| Death & cremation coverage | ❌ Not covered | ❌ Not covered |
| Theft or loss of pet + search expenses | ❌ Not covered | ❌ Not covered |
| Boarding fees (if owner is hospitalized) | ✅ Emergency boarding (sub-limit, owner hospitalisation) | ✅ Emergency boarding (sub-limit, owner hospitalisation) |
Important Information Regarding Routine Care and Insurance Exclusions
Good to know: Routine care is a non-insurance benefit and must be specifically selected for coverage of items like vaccines or desexing; most exclusions are permanent and few exceptions apply, so review the PDS/Certificate of Insurance closely for limits and personal eligibility.
Before applying, compare Gumtree's plans carefully to ensure you get the best value for your pet’s specific needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Gumtree Exclusions
The exclusions in Gumtree’s pet insurance policies are comprehensive, notably excluding pre-existing conditions, chronic pre-existing issues, and a wide range of preventative and cosmetic veterinary services.
Dental care is restricted to specific dental illnesses, requiring annual vet checks, with all other dental treatments categorically excluded unless covered by the dental illness benefit.
Cover will not extend to desexing procedures (outside of illness), conditions arising from breeding or obstetrics, or any elective, cosmetic, or alternative treatments.
Also noteworthy, biosecurity emergency diseases, genetic testing, experimental procedures, and any costs relating to lack of responsible care (neglect or abuse) are not covered under any circumstance.
Unlike some competitors, Gumtree systematically excludes behavioural and training conditions, organ transplants, and cell-replacement therapies, making these some of the stricter exclusions in the Australian market.
Gumtree Prices
Gumtree’s pet insurance offers a mid-range pricing position, aligning with major competitors by providing solid cover for both accident and illness events, with optional and included dental benefits based on plan level.
The Platinum plan’s inclusion of dental illness benefits is more comprehensive than many entry-level market plans, but still subject to sub-limits and conditions, keeping overall premiums moderate.
Excess levels and annual benefit caps are customisable, and while not the most inexpensive, Gumtree remains competitive, especially for pet owners seeking clear, digitised claims and coverage management.
Routine and emergency features are in line with sector standards, and as a service distributed digitally via Petinsurance.com.au, Gumtree typically benefits from lower administrative costs than traditional retail insurers.
Overall, Gumtree is best described as mid-range: suitable for cost-conscious consumers seeking a balance between premium and coverage without paying a premium price for ultra-comprehensive extras.
Find the right Gumtree plan for your pet by comparing estimated monthly premiums across different pet types below.
| Gold Cover (AU$/month) | Platinum Cover (AU$/month) | |
|---|---|---|
| Young cat (2–4 years) | $28 | $38 |
| Senior cat (7–8 years) | $34 | $47 |
| Small breed dog | $32 | $44 |
| Small breed dog (2–4 years) | $30 | $41 |
| Large breed dog (2–4 years) | $35 | $49 |
| Senior dog (7–8 years) | $43 | $58 |
Gumtree Promo Codes
| Gumtree Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much reimbursement can I expect from Gumtree?
Gumtree pet insurance reimburses you for a large part of your eligible vet bills, depending on the level of cover you choose and after your selected excess (deductible) is applied. With the Platinum Cover (the highest-tier plan), you benefit from coverage for accidental injuries, illnesses, eligible dental conditions, and optional routine care, with a reimbursement rate of up to 80% and an annual benefit limit. Here are some typical examples to help you understand how little you may be out of pocket with comprehensive cover:
Gastric upset with specialist care - Reimbursement example
Total vet costs: $1,200 (consultation, diagnostics, hospitalisation, medication)
Deductible excess to subtract: $250 (as chosen at policy start, applies per condition, per period)
Eligible amount after excess: $1,200 – $250 = $950
80% of that amount reimbursed: $950 × 80% = $760
👉 You receive a reimbursement of $760.
Your out-of-pocket cost: $250 (excess) + $190 (your 20% share after excess) = $440
ℹ️ The excess is per condition, so once paid for this issue, future treatments for the same condition within the policy period do not incur another excess.
Dental Abscess Extraction Reimbursement Example
Total vet costs: $800 (dental X-rays, tooth removal, anaesthesia, antibiotics)
Deductible excess already used for earlier dental condition in this period
Amount eligible for reimbursement: $800
Sub-limit for dental illness applies: policy covers up to $1,000 per year under this benefit
80% of the eligible amount reimbursed: $800 × 80% = $640
👉 You receive a reimbursement of $640.
Your out-of-pocket cost: $0 (excess already paid) + $160 (your 20% share) = $160
ℹ️ Dental illness cover is only available on Platinum and requires that annual vet dental checks are documented. There is a 6-month waiting period for dental claims.
Annual vaccination and microchipping reimbursement example
Total costs: $250 (vaccination: $120, microchipping: $60, health check: $70)
Routine care benefit limit per year (if option selected): $100
Amount reimbursed for routine care: Up to $100 per year
👉 You receive a reimbursement of $100.
Your out-of-pocket cost: $250 – $100 = $150
ℹ️ Routine care is an optional, non-insurance benefit and must be selected when you take out your Platinum Cover. It’s paid as a defined annual reimbursement, regardless of your total spend.
Gumtree Assistance
Gumtree’s assistance options are focused on claims convenience rather than holistic support, with the notable inclusion of GapOnly® for real-time claims at select vets providing a practical benefit for out-of-pocket management.
There is no advance payment service, emergency vet hotline, or teleconsultation, which may concern owners seeking round-the-clock or immediate clinical guidance in critical situations.
Application processes are digital via the Pet Portal, but Gumtree does not provide a mobile app, potentially limiting on-the-go access and streamlined user experience compared to leading competitors.
Payment flexibility through instalments is not advertised, and coverage abroad is not detailed, further distinguishing Gumtree’s service from providers with broader international and payment support.
Pre-approval for claims is available but not required, which adds some confidence prior to high-cost procedures without guaranteeing direct assistance at the point of care.
| Assistance Gumtree | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment (e.g., Payvet, Petcard) offered. GapOnly® is available at some vets but is not an advance payment system; it covers part of the vet bill at point of care with the gap paid by the owner. |
| Payment facilities | ❌ | Instalment plans or interest-free payment facility not advertised or mentioned in official materials. |
| Mobile app | ❌ | No mobile app is offered for iOS or Android. Access and claims lodgement are via the secure online Pet Portal. UX, interface rating, and app-based features are N.C. |
| Paperless claims process | ✅ | Claims can be lodged paperlessly through the Pet Portal or by participating vets via electronic submission and GapOnly®. Full paperless experience for eligible claims. |
| Emergency vet service | ❌ | No 24/7 emergency vet advice line or telehealth/teleconsultation service available. All contact relates to claims and administrative support. |
| Vet/clinic partner network | ✅/N.C. | GapOnly® is available at participating clinics for real-time claims, but no full partner vet/clinic network is detailed. Details on the extent of the network are N.C. |
| Coverage abroad | N.C. | No explicit reference to overseas cover for pets—policy documents do not specify duration, geographical scope, or special terms abroad. |
Customer Reviews on Gumtree
| Review platform | Rating and number of reviews |
|---|---|
| N.C. | N.C. |
We analysed reviews from the sites listed above. On the positive side, customers who subscribed to Gumtree for their pets often mention: ✅ N.C.
On the negative side: ❌ N.C.
How to Contact Gumtree
| Gumtree Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Phone: 1300 855 663 Mon–Fri 8:00AM–8:00PM (except public holidays) Email: [email protected] Mail: Petinsurance.com.au, Locked Bag 9021, Castle Hill, NSW 1765 Process: - Lodge your claim via phone, email, mail, Pet Portal, or at participating vets (GapOnly® or electronic submission) - Required documents: Completed claim form, itemised invoices, consultation and treatment notes, any requested additional documentation - Payment method: Benefit paid via preferred method nominated in your claim - Processing time: Most claims processed within 5–10 business days (complex claims may take longer) |
| To obtain a certificate of insurance | Phone: 1300 855 663 Email: [email protected] Mail: Petinsurance.com.au, Locked Bag 9021, Castle Hill, NSW 1765 Request your certificate by contacting customer service and providing your policy details. |
| To contact assistance | Phone: 1300 855 663 Mon–Fri 8:00AM–8:00PM (except public holidays) Email: [email protected] Mail: Petinsurance.com.au, Locked Bag 9021, Castle Hill, NSW 1765 For claims, pre-approvals, or general enquiries. There is no 24/7 emergency hotline or teleconsultation service. |
| To cancel my policy | Phone: 1300 855 663 Email: [email protected] Mail: Petinsurance.com.au, Locked Bag 9021, Castle Hill, NSW 1765 Process: - Contact customer service by phone, email, or mail - Required documents: Policyholder details and policy number (additional identification may be requested) - Notice period: Cancellation takes effect from the date you request or a future date you specify - If you cancel within the cooling-off period (21 days from policy start) and haven't made a claim, you may be eligible for a full refund of premium paid - After the cooling-off period, premium paid may not be fully refunded (pro-rata cancellation may apply) |
Mon–Fri 8:00AM–8:00PM (except public holidays)
Email: [email protected]
Mail: Petinsurance.com.au, Locked Bag 9021, Castle Hill, NSW 1765
Process:
- Lodge your claim via phone, email, mail, Pet Portal, or at participating vets (GapOnly® or electronic submission)
- Required documents: Completed claim form, itemised invoices, consultation and treatment notes, any requested additional documentation
- Payment method: Benefit paid via preferred method nominated in your claim
- Processing time: Most claims processed within 5–10 business days (complex claims may take longer)
Email: [email protected]
Mail: Petinsurance.com.au, Locked Bag 9021, Castle Hill, NSW 1765
Request your certificate by contacting customer service and providing your policy details.
Mon–Fri 8:00AM–8:00PM (except public holidays)
Email: [email protected]
Mail: Petinsurance.com.au, Locked Bag 9021, Castle Hill, NSW 1765
For claims, pre-approvals, or general enquiries. There is no 24/7 emergency hotline or teleconsultation service.
Email: [email protected]
Mail: Petinsurance.com.au, Locked Bag 9021, Castle Hill, NSW 1765
Process:
- Contact customer service by phone, email, or mail
- Required documents: Policyholder details and policy number (additional identification may be requested)
- Notice period: Cancellation takes effect from the date you request or a future date you specify
- If you cancel within the cooling-off period (21 days from policy start) and haven't made a claim, you may be eligible for a full refund of premium paid
- After the cooling-off period, premium paid may not be fully refunded (pro-rata cancellation may apply)
FAQ
Do I have to pay upfront for veterinary fees with Gumtree?
Gumtree pet insurance claims are usually reimbursed after you pay your vet first. However, if your vet participates in the GapOnly® system, your claim may be processed at the clinic, so you only need to pay the gap (the amount not covered by insurance) up front. Not all vets participate, so it’s best to check with your clinic.
How do I cancel my pet insurance policy with Gumtree?
To cancel your Gumtree pet insurance policy, you need to provide written notice to Gumtree (via email, phone, or mail). There is no specified minimum notice period in the policy documents, but you may be asked for basic identification details and your policy number.
What types of pet insurance cover does Gumtree offer?
Gumtree, in partnership with Petinsurance.com.au, offers Gold Cover and Platinum Cover. Both include specified accidental injury and illness cover, with dental illness and routine care benefits either included or optional, depending on the plan you choose.
Are there waiting periods for claims with Gumtree pet insurance?
Yes, waiting periods apply. There’s no waiting period for specified accidental injuries, 21 days for most illnesses, and 6 months for cruciate ligament and eligible dental conditions. Emergency pet boarding and routine care options do not have waiting periods.
What are the main exclusions with Gumtree pet insurance?
Pre-existing conditions, regular preventative and elective treatments, and costs like nail clipping, training, or breeding-related procedures are not covered. Dental conditions are only covered under certain benefits, and specific exclusions are detailed in the Product Disclosure Statement.
How do I make a claim and what support does Gumtree provide?
You can submit claims online via the Pet Portal, by phone, by email, or directly through your vet if they use electronic claiming or GapOnly®. Assistance with claims is available during business hours, but there is no no 24/7 medical helpline or telehealth service.
Do I have to pay upfront for veterinary fees with Gumtree?
Gumtree pet insurance claims are usually reimbursed after you pay your vet first. However, if your vet participates in the GapOnly® system, your claim may be processed at the clinic, so you only need to pay the gap (the amount not covered by insurance) up front. Not all vets participate, so it’s best to check with your clinic.
How do I cancel my pet insurance policy with Gumtree?
To cancel your Gumtree pet insurance policy, you need to provide written notice to Gumtree (via email, phone, or mail). There is no specified minimum notice period in the policy documents, but you may be asked for basic identification details and your policy number.
What types of pet insurance cover does Gumtree offer?
Gumtree, in partnership with Petinsurance.com.au, offers Gold Cover and Platinum Cover. Both include specified accidental injury and illness cover, with dental illness and routine care benefits either included or optional, depending on the plan you choose.
Are there waiting periods for claims with Gumtree pet insurance?
Yes, waiting periods apply. There’s no waiting period for specified accidental injuries, 21 days for most illnesses, and 6 months for cruciate ligament and eligible dental conditions. Emergency pet boarding and routine care options do not have waiting periods.
What are the main exclusions with Gumtree pet insurance?
Pre-existing conditions, regular preventative and elective treatments, and costs like nail clipping, training, or breeding-related procedures are not covered. Dental conditions are only covered under certain benefits, and specific exclusions are detailed in the Product Disclosure Statement.
How do I make a claim and what support does Gumtree provide?
You can submit claims online via the Pet Portal, by phone, by email, or directly through your vet if they use electronic claiming or GapOnly®. Assistance with claims is available during business hours, but there is no no 24/7 medical helpline or telehealth service.
