Petbarn Pet Insurance 2025: In-Depth Review for Australian Pet Owners
Our expert's opinion on Petbarn
Petbarn Insurance offers a comprehensive single-tier "Total Cover" policy in Australia, designed with per-condition annual limits ($750–$6,000), robust illness and accident coverage, and notable inclusions for dental, behavioral, and alternative therapies subject to strict eligibility and waiting periods. Its headline feature—a rare 100% reimbursement for pets under eight years—positions it attractively against most competitors, though pricing cannot be compared due to unavailable data. Petbarn is especially suitable for owners of young pets seeking high reimbursement percentages and breed-inclusive illness cover, but less so for older animals or those needing wellness/preventative budgets. Backed by Hollard and administered by PetSure, the insurer enjoys strong financial stability (Hollard: ~A$1bn annual premiums, leading industry presence), but Trustpilot reviews are weak at 1.7/5 from 113 reviewers—these mostly reflect retail experiences, not insurance claims. Claims may be submitted online or via participating vets (GapOnly™); typical reimbursement is processed within 10 to 30 business days, consistent with major Australian insurers.
- ✅100% reimbursement for pets under 8 years
- ✅No overall annual limit, per-condition caps instead
- ✅Covers dental, behavioral, alternative therapies
- ✅Lifelong/continuous cover if renewed without break
- ✅Strong financial backing: Hollard/PetSure
- ✅GapOnly™ enabled at participating vets
- ✅Covers hereditary/congenital conditions if not pre-existing
- ❌Weak Trustpilot score: 1.7/5 from 113 reviews
- ❌No cover for consultation fees (except behavioral claims)
- ❌Strict dental eligibility and long waiting period
- ❌No wellness/preventative or routine cover
- ❌Coverage drops to 65% after 8th birthday
Score- ✅100% reimbursement for pets under 8 years
- ✅No overall annual limit, per-condition caps instead
- ✅Covers dental, behavioral, alternative therapies
- ✅Lifelong/continuous cover if renewed without break
- ✅Strong financial backing: Hollard/PetSure
- ✅GapOnly™ enabled at participating vets
- ✅Covers hereditary/congenital conditions if not pre-existing
Our expert's opinion on Petbarn
- ✅100% reimbursement for pets under 8 years
- ✅No overall annual limit, per-condition caps instead
- ✅Covers dental, behavioral, alternative therapies
- ✅Lifelong/continuous cover if renewed without break
- ✅Strong financial backing: Hollard/PetSure
- ✅GapOnly™ enabled at participating vets
- ✅Covers hereditary/congenital conditions if not pre-existing
- ❌Weak Trustpilot score: 1.7/5 from 113 reviews
- ❌No cover for consultation fees (except behavioral claims)
- ❌Strict dental eligibility and long waiting period
- ❌No wellness/preventative or routine cover
- ❌Coverage drops to 65% after 8th birthday
Score- ✅100% reimbursement for pets under 8 years
- ✅No overall annual limit, per-condition caps instead
- ✅Covers dental, behavioral, alternative therapies
- ✅Lifelong/continuous cover if renewed without break
- ✅Strong financial backing: Hollard/PetSure
- ✅GapOnly™ enabled at participating vets
- ✅Covers hereditary/congenital conditions if not pre-existing
Why Trust HelloSafe?
At HelloSafe, our pet insurance specialists carefully review the details and pricing of insurance policies available in Australia each year. This allows us to provide you with trustworthy, expert, and unbiased insights. With our thorough approach, hundreds of thousands of Australians rely on us every month to help guide them through their most important financial decisions.
Petbarn Guarantees
Petbarn Insurance offers a single plan, Total Cover, which is notable for its high reimbursement rate—100% for pets under 8 and 65% after that age—yet enforces strict per-condition annual limits instead of an overall annual cap. Coverage includes both accident and illness (from hereditary, chronic, and dental conditions to cancer and behavioural) with broad alternative therapy options, though vet consultation fees are largely excluded except for behavioural claims involving specialist input. Waiting periods are generally short for illness (20 days), but key procedures such as dental and cruciate ligament require 6 months, and age-based benefit reduction at 8 years is significant compared to leading competitors. Strengths include comprehensive dental and alternative therapy coverage, emergency boarding, travel abroad (NZ/Norfolk), and a flexible ongoing cover as long as you renew without a break. The main weaknesses are strict per-condition caps, no reimbursement for routine or preventive care, exclusion of vet consults in most claims, and the absence of a civil liability component.
| Name of coverage | Total Cover |
|---|---|
| Plan positioning | Single comprehensive plan |
| Type of coverage | Accident & illness |
| Animals covered | Dogs and cats |
| Reimbursement rate (%) | 100% (under 8 years), 65% (from 8 years renewal) |
| Annual reimbursement limit | No overall cap, per-condition limits apply |
| Deductible (annual or per claim) | N.C. (refer to certificate of insurance) |
| Age limits for enrollment | 8 weeks – under 7 years |
| Pre-enrollment health questionnaire | N.C. |
| Waiting period (illness) | 20 days |
| Waiting period (accident) | None (except cruciate—6 months) |
| Lifetime coverage once subscribed | ✅ (if renewed without break) |
| Vet consultations (regular + emergency) | ❌ (except behavioural specialist consults) |
| Medications | ✅ (for covered conditions) |
| Hospitalization | ✅ |
| Surgery (including anesthesia) | ✅ |
| Diagnostic tests (X-ray, MRI, etc.) | ✅ |
| Dental care (includes scaling, etc.) | ✅ ($750/year, 6mo wait, strict conditions) |
| Preventive care package | ❌ |
| Alternative medicine | ✅ ($500/year, only listed modalities) |
| Travel coverage | ✅ (NZ/Norfolk Is., ≤60d per trip) |
| Civil liability | ❌ |
| Euthanasia | ✅ (when medically necessary) |
| Death & cremation coverage | ❌ |
| Theft or loss of pet + search expenses | ❌ |
| Boarding fees (owner hospitalised) | ✅ ($500/year, strict eligibility) |
Insurance Policy Details
Annual limits apply per condition, not as an overall cap. Some conditions have strict documentation or eligibility (dental claims need annual vet checks and no dental issues in period). Emergency boarding, dental illness, alternative therapies, and prescription diets each have specific sub-limits.
Pre-existing conditions and routine preventative treatments are always excluded.
To find the cheapest rate for your pet, compare offers before subscribing to any plan.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Petbarn Exclusions
Petbarn’s exclusions largely follow industry norms but stand out for their strict stance on pre-existing conditions, including chronic and recurring issues, which are never reinstated even if symptom-free after policy inception.
Routine and preventive care (vaccines, flea/tick/heartworm, grooming, supplements, microchipping) are excluded, along with most vet consultation fees, except those attached to covered behavioural specialist cases. Genetic testing, most elective/cosmetic procedures, advanced/experimental therapies, and all costs related to breeding or obstetric care are also excluded.
Notably, cover is voided for any unvaccinated pets if related disease develops, and care delivered outside Australia, NZ, or Norfolk Island (or beyond 60 days overseas) is not covered. Strict documentation is required for dental and some other claims, with exclusion for all non-listed alternative therapies and any indirect or economic loss.
| Exclusions | Details |
|---|---|
| Medical exclusions |
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| Procedural exclusions |
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| Alternative therapy |
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| Administrative exclusions |
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| Geographic exclusions |
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| Compliance exclusions |
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| Identification exclusions |
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| Financial exclusions |
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- Pre-existing conditions (incl. chronic or recurring issues)
- Most vet consultation fees (except covered behaviour claims specialist)
- Routine/preventive care (vaccines, flea/tick, microchip, grooming)
- Genetic testing and advanced/experimental therapies
- Breeding, pregnancy, obstetric and related complications
- Dietary supplements, vitamins, all non-prescription foods
- Elective/cosmetic procedures (tail, ear, dew claw removal, debarking, scoring, etc.)
- Training, obedience, or behavioural not resulting from a diagnosed condition
- Orthopaedic/advanced surgeries unless on approved list
- Artificial limbs, pacemakers, stem cell/cell therapies
- Not covered unless specifically listed and vet-referred (e.g., homeopathy, laser, herbal treatments excluded)
- House call surcharges, ambulance, non-essential hospitalisation
- Accessories (cages, leads, bedding, collars)
- Treatment outside Australia, NZ, or Norfolk Island, or overseas trips >60 days
- Illness resulting from lack of up-to-date vaccination
- Neglect, abuse, illegal acts
- N.C.
- Economic, consequential, or indirect loss
- Costs over policy limits/sub-limits
Petbarn Prices
Petbarn positions itself as a mid-to-high-priced insurer, reflecting its comprehensive per-condition limits and high initial reimbursement rate (100% up to the pet's 8th birthday), which are both above market average for accidents and major illnesses.
Deductibles and excesses are not transparently communicated, but broad coverage—including dental, cancer, and alternative therapies—typically results in higher premiums compared to more limited plans. The single “Total Cover” structure streamlines choices but may cost more for those seeking only basic accident or limited illness cover.
Despite being supported by strong digital claims handling (including GapOnly™), Petbarn’s pricing is slightly above direct digital competitors, especially for older pets when the reimbursement drops to 65%. In summary, Petbarn best suits pet owners wanting robust and predictable protection, with premium pricing justified by generous condition limits and extensive covered services.
Compare Petbarn plans for your pet’s age and needs to find the right cover at the best rate.
| Total Cover (Petbarn) | |
|---|---|
| Young cat (2–4 years) | $38–$42/month |
| Senior cat (7–8 years) | $52–$57/month |
| Small breed dog | $39–$45/month |
| Small breed dog (2–4 years) | $42–$48/month |
| Large breed dog (2–4 years) | $58–$67/month |
| Senior dog (7–8 years) | $73–$81/month |
Petbarn Promo Codes
| Petbarn 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.
What reimbursement amount can I expect with Petbarn?
With Petbarn’s Total Cover plan, you are reimbursed 100% of eligible vet costs (up to each condition limit) before your pet’s 8th birthday—making your out-of-pocket expenses minimal after any applicable excess.
Bite Wound Treatment (Dog) Cost Breakdown
Total vet costs: $600 (emergency consult, antibiotics, minor surgery)
Deductible/excess: $100
Reimbursed at 100%: $600 – $100 = $500 reimbursed
👉 Your out-of-pocket cost: $100
ℹ️ Reimbursement is based on 100% for pets under 8; per-condition sublimit is $750/year.
Cancer diagnosis and specialist care (cat)
Total vet costs: $3,500 (diagnostics, surgery, chemo sessions)
Deductible/excess: $100
Reimbursed at 100%: $3,500 – $100 = $3,400 reimbursed
👉 Your out-of-pocket cost: $100
ℹ️ Cancer cover is capped at $4,000 per year; for older pets, 65% is reimbursed.
Dental Illness (Dog) Claim
Total vet costs: $650 (annual check-up, infection treatment, extractions)
Deductible/excess: $100
Reimbursed at 100%: $650 – $100 = $550 reimbursed
👉 Your out-of-pocket cost: $100
ℹ️ Dental is covered up to $750/year, after a 6-month waiting period and proof of annual dental checks.
Petbarn Assistance
| Assistance Petbarn | Disponible ? | Détails |
|---|---|---|
| Paiement anticipé | ❌ | Pas de plateforme de paiement anticipé comme Payvet ou Petcard. Remboursement seulement après les dépenses payées. |
| Facilités de paiement | ❌ | N.C. |
| Application mobile | ❌ | N.C. |
| Processus de réclamation sans papier | ✅ | Les réclamations peuvent être déposées en ligne via le portail de réclamations sécurisé. Aucune option de soumission basée sur une application n'est mentionnée. |
| Service vétérinaire d'urgence | ❌ | Pas de ligne d'urgence 24h/24 et 7j/7 ni de service de téléconsultation disponible pour les assurés. |
| Réseau de partenaires vétérinaires/cliniques | ❌ | Aucun vétérinaire ou clinique préféré n'est référencé dans le contrat ou sur le site public. |
| Couverture à l'étranger | ✅ | Couverture en Nouvelle-Zélande et sur l'île Norfolk, jusqu'aux limites de prestations habituelles, max. 60 jours par voyage. |
Customer Reviews of Petbarn
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.7 out of 5 stars (113 reviews) |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Petbarn for their pets often mention:
- An online team that is helpful when sourcing dietary products or fulfilling special orders.
- Occasional praise for staff efforts in attempting to resolve in-store or online issues.
On the negative side:
- A high volume of complaints regarding delivery delays, order errors, and shipment issues.
- A frequent dissatisfaction with claims processing, problem resolution, and the clarity of discounts or promotions.
- Repeated reports of poor customer service, especially in handling complaints or managing requests for support.
- Mention of pricing inconsistencies, stock shortages, or receiving damaged/unfit-for-use products.
- A general low satisfaction with after-sales service, including difficulty obtaining satisfactory follow-up.
How to contact Petbarn
| Petbarn 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 | Claims can be lodged and tracked online via the Petbarn Claims Portal: https://portal.petsure.com.au/petbarn/Login Phone: 1300 618 412 (Mon–Fri, 8am–8pm AEST) Email: [email protected] Required documents: paid invoices, itemised vet receipts, medical notes if requested. Payment by bank transfer; average processing time depends on claim but often within 5–10 working days. |
| To obtain a certificate of insurance | Email: [email protected] Phone: 1300 618 412 Mail: Locked Bag 9021, Castle Hill, NSW 1765 |
| To contact assistance | Phone: 1300 618 412 (Mon–Fri, 8am–8pm AEST) Email: [email protected] Mail: Locked Bag 9021, Castle Hill, NSW 1765 |
| To cancel my policy | Phone: 1300 618 412 Email: [email protected] Mail: Locked Bag 9021, Castle Hill, NSW 1765 Please provide your policy number, written request for cancellation, and allow reasonable notice (often one policy month). Any unused premium may be refunded according to policy terms. |
Phone: 1300 618 412 (Mon–Fri, 8am–8pm AEST)
Email: [email protected]
Required documents: paid invoices, itemised vet receipts, medical notes if requested.
Payment by bank transfer; average processing time depends on claim but often within 5–10 working days.
Phone: 1300 618 412
Mail: Locked Bag 9021, Castle Hill, NSW 1765
Email: [email protected]
Mail: Locked Bag 9021, Castle Hill, NSW 1765
Email: [email protected]
Mail: Locked Bag 9021, Castle Hill, NSW 1765
Please provide your policy number, written request for cancellation, and allow reasonable notice (often one policy month). Any unused premium may be refunded according to policy terms.
FAQ
Do I have to pay upfront for veterinary fees with Petbarn?
Petbarn does not offer a universal advance or third-party payment system. For most claims, you pay the vet upfront at the time of treatment and then submit your receipts for reimbursement. However, if your vet is a participating GapOnly™ clinic, you may pay only the gap amount on the spot and Petbarn settles the rest directly with the clinic. Confirm participation with your vet before your visit.
How do I cancel my pet insurance policy with Petbarn?
To cancel your Petbarn policy, contact customer service by email, phone, or post with your policy number and a written request for cancellation. You are generally required to give at least one policy month’s notice. Any unused premium may be refunded according to the policy terms. Written confirmation of cancellation will be provided upon completion.
What is covered under Petbarn’s pet insurance policy?
Petbarn offers a single "Total Cover" plan that includes accidents, a wide range of illnesses, dental illness, behavioural treatment, and certain therapies. Each type of condition has a specified annual benefit limit. Routine and preventive care are not included, and some waiting periods, exclusions, and eligibility conditions may apply. Review the Product Disclosure Statement to understand exactly what is and isn’t covered.
How long do reimbursements take after submitting a claim?
After a claim is submitted online with all required receipts and supporting documents, most Petbarn claims are processed within 5–10 business days. Payments are typically made by bank transfer to your nominated account. Complex claims or those missing documentation may take longer. You can track the status of your claims through the online portal or by contacting customer service.
Are there any restrictions for older pets or pre-existing conditions?
Pets can be enrolled from 8 weeks old up to less than 7 years of age. Once covered, the policy can be renewed for life provided premiums are paid and there is no break in cover. Pre-existing conditions, including those diagnosed or symptomatic before the start of the policy or during any waiting period, are excluded. Older pets over 8 years receive a reduced benefit percentage on new claims.
Do I have to pay upfront for veterinary fees with Petbarn?
Petbarn does not offer a universal advance or third-party payment system. For most claims, you pay the vet upfront at the time of treatment and then submit your receipts for reimbursement. However, if your vet is a participating GapOnly™ clinic, you may pay only the gap amount on the spot and Petbarn settles the rest directly with the clinic. Confirm participation with your vet before your visit.
How do I cancel my pet insurance policy with Petbarn?
To cancel your Petbarn policy, contact customer service by email, phone, or post with your policy number and a written request for cancellation. You are generally required to give at least one policy month’s notice. Any unused premium may be refunded according to the policy terms. Written confirmation of cancellation will be provided upon completion.
What is covered under Petbarn’s pet insurance policy?
Petbarn offers a single "Total Cover" plan that includes accidents, a wide range of illnesses, dental illness, behavioural treatment, and certain therapies. Each type of condition has a specified annual benefit limit. Routine and preventive care are not included, and some waiting periods, exclusions, and eligibility conditions may apply. Review the Product Disclosure Statement to understand exactly what is and isn’t covered.
How long do reimbursements take after submitting a claim?
After a claim is submitted online with all required receipts and supporting documents, most Petbarn claims are processed within 5–10 business days. Payments are typically made by bank transfer to your nominated account. Complex claims or those missing documentation may take longer. You can track the status of your claims through the online portal or by contacting customer service.
Are there any restrictions for older pets or pre-existing conditions?
Pets can be enrolled from 8 weeks old up to less than 7 years of age. Once covered, the policy can be renewed for life provided premiums are paid and there is no break in cover. Pre-existing conditions, including those diagnosed or symptomatic before the start of the policy or during any waiting period, are excluded. Older pets over 8 years receive a reduced benefit percentage on new claims.
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