Pets on Me Pet Insurance 2025: In-Depth Review & Benefits
Our expert's opinion on Pets on Me
Pets on Me is an Australian pet insurance provider offering three plan levels—Accident, Classic, and Deluxe—providing customisable reimbursement rates and annual limits, with per-event deductibles but no explicit wellness or routine care budget. Its product suite is competitive for flexibility and a transparent approach, but stands out mainly for allowing owners to select reimbursement levels and per-event excess, appealing to those balancing higher reimbursement with cost control; pricing details are not public, but positioning appears mid-market compared to more restrictive or basic plans offered by established brands. Pets on Me best fits owners of young to middle-aged dogs and cats, especially those seeking transparent options for illness, accident, and liability cover, and for whom broad eligibility or coverage of purebreds and major conditions is important. Backed by Pacific International Insurance Pty Ltd, Pets on Me benefits from an experienced underwriter; however, no recent revenue or premium data is available and no Trustpilot score or customer review volume is published, indicating limited transparency on claims satisfaction and payout speed. Claims can be submitted via an online portal or email, but no clear average reimbursement time is stated, and there is no mention of 24/7 assistance services.
- ✅Three flexible plans for different needs
- ✅Customisable reimbursement and deductible options
- ✅Accident-only cover available up to 12 years
- ✅Deluxe plan includes some dental illness cover
- ✅Third party liability included across all plans
- ✅Experienced Australian underwriter
- ✅Digital claims process via portal or email
- ❌Strict exclusions on hereditary, congenital, brachycephalic conditions
- ❌No routine care, wellness, or preventive cover
- ❌Limited eligibility for older or select breed animals
- ❌No published customer reviews or Trustpilot score
- ❌No 24/7 vet helpline or assistance services
Score- ✅Three flexible plans for different needs
- ✅Customisable reimbursement and deductible options
- ✅Accident-only cover available up to 12 years
- ✅Deluxe plan includes some dental illness cover
- ✅Third party liability included across all plans
- ✅Experienced Australian underwriter
- ✅Digital claims process via portal or email
Our expert's opinion on Pets on Me
- ✅Three flexible plans for different needs
- ✅Customisable reimbursement and deductible options
- ✅Accident-only cover available up to 12 years
- ✅Deluxe plan includes some dental illness cover
- ✅Third party liability included across all plans
- ✅Experienced Australian underwriter
- ✅Digital claims process via portal or email
- ❌Strict exclusions on hereditary, congenital, brachycephalic conditions
- ❌No routine care, wellness, or preventive cover
- ❌Limited eligibility for older or select breed animals
- ❌No published customer reviews or Trustpilot score
- ❌No 24/7 vet helpline or assistance services
Score- ✅Three flexible plans for different needs
- ✅Customisable reimbursement and deductible options
- ✅Accident-only cover available up to 12 years
- ✅Deluxe plan includes some dental illness cover
- ✅Third party liability included across all plans
- ✅Experienced Australian underwriter
- ✅Digital claims process via portal or email
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At HelloSafe, our pet insurance experts carefully review and compare the terms and prices of policies across the Australian market every year, ensuring you receive a reliable and unbiased analysis. With this thorough approach, hundreds of thousands of Australians trust us each month to help guide them through some of their most important financial decisions.
Pet Guarantees
Pets on Me offers three plans: Accident, Classic, and Deluxe, providing options from budget-conscious accident-only coverage to more comprehensive illness and dental benefits in Deluxe. All plans allow flexible reimbursement rates (selected at purchase) and deductibles per event, with annual payout caps and sub-limits applying; the Deluxe plan features unique dental illness coverage (with strict requirements) and hereditary condition benefits, while Classic is a value-focused illness/accident plan for pets up to 9 years. Third party liability is included on all tiers, but no plan covers routine or elective care, and Deluxe stands out as one of few in the market to offer dental illness protection—though claims are subject to waiting periods and annual dental checks.
Key weaknesses include routine, preventive, and behavioural exclusions across all plan levels, and substantial restrictions on inherited conditions, chronic illnesses, and certain breed-related risks.
Comparing Pets on Me’s plans allows discerning pet owners to balance premium, benefit caps, and reimbursement against their pet’s risk profile and age.
| Name of coverage | Accident Plan | Classic Plan | Deluxe Plan |
|---|---|---|---|
| Plan positioning | Entry-level accident only | Mid-tier accident & illness | Top-tier extended illness + dental |
| Type of coverage (accident, illness, both, etc.) | Accidents only | Accidents and illness | Accidents, illness, select dental illness |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | Chosen at purchase, up to max stated | Chosen at purchase, up to max stated | Chosen at purchase, up to max stated |
| Annual reimbursement limit | As per Insurance Certificate | As per Insurance Certificate | As per Insurance Certificate |
| Deductible (annual or per claim) | Per event, see certificate | Per event, see certificate | Per event, see certificate |
| Age limits for enrollment (for dogs and cats) | 6 weeks–12 years (some breeds ≤6yr: Accident only) | 6 weeks–9 years | 6 weeks–9 years |
| Pre-enrollment health questionnaire | ❌ Not required | ❌ Not required | ❌ Not required |
| Waiting period (illness) | N.C. | 21 days | 21 days |
| Waiting period (accident) | Immediate | Immediate | Immediate |
| Lifetime coverage once subscribed | ✅ Up to cover/age limits | ✅ Up to cover/age limits | ✅ Up to cover/age limits |
| Vet consultations (regular + emergency) | ✅ $80 per visit, $200 after hours/specialist | ✅ $80 per visit, $200 after hours/specialist | ✅ $80 per visit, $200 after hours/specialist |
| Medications | ✅ Prescribed post-accident | ✅ Prescribed for covered illness/accident | ✅ Prescribed for covered illness/accident |
| Hospitalization | ✅ Within annual/sub-limit | ✅ Within annual/sub-limit | ✅ Within annual/sub-limit |
| Surgery (including anesthesia) | ✅ Within annual/sub-limit | ✅ Within annual/sub-limit | ✅ Within annual/sub-limit |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ | ✅ | ✅ |
| Dental care (includes scaling and procedures) | ❌ | ❌ | ✅ Dental illness (abscess, gingivitis, infection/fracture; annual check, 180d wait) |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ | ❌ | ❌ |
| Alternative medicine (osteopathy, acupuncture, etc.) | ❌ | ❌ | ❌ |
| Travel coverage (countries included, duration) | ❌ | ❌ | ❌ |
| Civil liability | ✅ Third party liability included | ✅ Third party liability included | ✅ Third party liability included |
| Euthanasia | ✅ Non-elective only | ✅ Non-elective only | ✅ Non-elective only |
| Death & cremation coverage | ❌ | ❌ | ❌ |
| Theft or loss of pet + search expenses | ❌ | ❌ | ❌ |
| Boarding fees (if owner is hospitalized) | ❌ | ❌ | ❌ |
Important Information Regarding Deluxe Dental Cover
Dental cover under Deluxe requires annual vet dental exams for eligibility and has a strict 180-day waiting period. Consultation and specialist fees are capped per visit. For select breeds over age 6, only Accident Plan is available. Always check the Product Disclosure Statement and Certificate of Insurance for current sub-limits and benefit caps.
Pet Exclusions
Pets on Me exclusions reflect industry standards in disallowing pre-existing, congenital, and most hereditary conditions, but the policy is particularly strict with chronic illnesses (beyond the first covered year), routine and preventive care, and dental benefits (except for defined dental illnesses in the Deluxe plan). Notably, brachycephalic airway syndrome is entirely excluded, and infectious diseases are not covered if vaccination status does not meet guidelines. Accident and Classic plans exclude dental illness entirely, and parasite-related accidents/illnesses are excluded if preventives were not administered. Exclusions for behaviour, obesity, grooming, experimental care, and most non-medical or elective procedures are robust; out-of-country care and travel are also not supported.
Breed-specific restrictions apply to older pets, and liability exclusions include incidents involving family or household members or locations where pets are not allowed.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Dental exclusions |
|
| Preventive & routine care |
|
| Behavioural/training |
|
| Cosmetic/elective/experimental |
|
| Administrative/geographic/external |
|
| Liability exclusions |
|
| Accident plan-specific |
|
- Pre-existing, congenital, and hereditary conditions (esp. symptoms before age 2)
- Chronic illnesses after covered year
- Infectious/parasitic disease if not vaccinated/prevented
- Brachycephalic airway syndrome fully excluded
- Certain chronic/joint/neuro/eye conditions excluded
- All dental on Accident/Classic plans
- Deluxe: orthodontics, crowns, root canal, cosmetic procedures, elective cleaning
- Dental claims require annual vet check (Deluxe only), 180-day wait
- Routine checks, vaccinations, flea/tick/worming
- Regular food, supplements, creams, ointments, shampoos, at-home equipment/devices
- Grooming, boarding, and baths
- Behavioural, psychological, anxiety, stress, training, socialisation, therapy, and behavioural medication
- Cosmetic and elective procedures (declawing, debarking, ear/tail cropping)
- Experimental, unapproved, or investigational treatments/medication
- Out-of-country care
- Claims over 12 months old
- Premiums unpaid, policy lapsed
- Banned/restricted breeds, certain ages
- No cover if pet in paid care and carer lacks own liability
- Third party incidents involving family/household members
- Incidents in banned/publicly-prohibited areas
- Double payment if another policy covers same event
- No illness, disease, hereditary, or chronic condition cover (diagnosis/treatment); accident/illness caused by parasites, or pre/post-accident hereditary conditions
Pet Prices on Me
Pets on Me generally holds a mid-range position in the Australian pet insurance market, reflecting its balance of coverage breadth and cost.
Reimbursement rates and annual benefit caps can be tailored, but strict sub-limits and exclusions—especially for preventive care and chronic illnesses—keep premiums competitive rather than high-end.
The Accident plan is affordable but basic, while Classic and Deluxe add value for illness and limited dental coverage, respectively, without reaching the comprehensiveness (or the price point) of premium, full-featured providers.
Veteran pets or owners desiring holistic services may find coverage gaps, but its digital claim management platform contributes to moderate pricing compared to traditional insurers.
Pets on Me is best suited to value-conscious owners seeking flexible, transparent insurance options at a reasonable monthly rate.
| Accident Plan | Classic Plan | Deluxe Plan | |
|---|---|---|---|
| Young cat (2–4 years) | N.C. | N.C. | N.C. |
| Senior cat (7–8 years) | N.C. | N.C. | N.C. |
| Small breed dog | N.C. | N.C. | N.C. |
| Small breed dog (2–4 years) | N.C. | N.C. | N.C. |
| Large breed dog (2–4 years) | N.C. | N.C. | N.C. |
| Senior dog (7–8 years) | N.C. | N.C. | N.C. |
Compare Pets on Me’s plans with other providers to ensure you find the right balance between cost and cover for your pet.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Promo Codes for Pets on Me
| Pets on Me 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 is the Pets on Me reimbursement amount?
With Pets on Me, the Deluxe plan reimburses a large portion of your eligible vet bills (such as illness, accident, and dental), after you pay your policy’s chosen excess per event; here are examples to help illustrate what you’ll pay:
Dental extraction for tooth abscess
Total vet costs: $950 (specialist dental consultation, extractions, anaesthetic, post-op meds)
Deductible (excess) per event: $100
Amount eligible: $950 – $100 = $850
Reimbursed at 80%: $850 × 80% = $680
👉 You receive $680; your out-of-pocket cost = $270
ℹ️ The Deluxe plan covers select dental illness after a 180-day waiting period if annual dental checks are kept up. Annual limit applies.
Hospitalisation and treatment for pancreatitis
Total vet costs: $1,600 (emergency hospital, IV fluids, diagnostics, medication, hospitalisation)
Deductible (excess) per event: $100
Amount eligible: $1,600 – $100 = $1,500
Reimbursed at 80%: $1,500 × 80% = $1,200
👉 You receive $1,200; your out-of-pocket cost = $400
ℹ️ Ongoing conditions and sub-limits may apply for some illnesses, and exclusions for pre-existing illness or caps may affect future claims.
Fractured leg from accident
Total vet costs: $2,800 (orthopaedic surgery, radiographs, post-op care)
Deductible (excess) per event: $100
Amount eligible: $2,800 – $100 = $2,700
Reimbursed at 80%: $2,700 × 80% = $2,160
👉 You receive $2,160; your out-of-pocket cost = $640
ℹ️ Immediate accident cover applies; check annual and per-condition benefit caps for maximum reimbursement. Preventive care is not covered under any plan.
Assistance Animals on Me
| Assistance Pets on Me | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment (e.g., Payvet or similar) is mentioned. Policyholders must pay vet costs upfront and claim reimbursement. |
| Payment facilities | ❌ | No mention of premium instalment options or fee-free payment facilities for policyholders. |
| Mobile app | ❌ | N.C. No evidence of a dedicated mobile app for policy management or claims on Android/iOS. |
| Paperless claims process | ✅ | Claims may be submitted online via web portal or email. Paperless process is supported, but no app or advanced automation noted. |
| Emergency vet service | ❌ | No 24/7 emergency telephone helpline, online vet advice, or teleconsultation provided. |
| Vet/clinic partner network | ❌ | No information suggests a preferred vet network or discounted care via partnered clinics. |
| Coverage abroad | ❌ | International coverage is not provided for pets treated outside Australia. Only domestic veterinary care is covered. |
Customer Reviews of Pets on Me
| Review platform | Rating and number of reviews |
|---|---|
| N.C. | N.C. |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Pets on Me for their pets often mention: ✅ N.C. On the negative side: ❌ N.C.
How to Contact Pets on Me
| Pets on Me 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 | Submit claims online via the customer portal on www.petsonme.com.au or by emailing [email protected]. Include a completed claim form, paid tax invoice, and full clinical records from your vet. For postal submission: PO Box 384 Northbridge NSW 1560 or Level 1, 54 Flinders St, Darlinghurst NSW 2010. Reimbursements are paid to your nominated bank account; processing times may vary—typically within 10 business days if documents are complete. |
| To obtain a certificate of insurance | Contact customer service by phone at 1300 489 873 (Mon–Fri) or email [email protected]. You may also request via the online portal. Postal correspondence: PO Box 384 Northbridge NSW 1560 or Level 1, 54 Flinders St, Darlinghurst NSW 2010. |
| To contact assistance | For general assistance, reach out by phone at 1300 489 873 or email [email protected]. Live chat may be available via the official website during business hours. Postal address: PO Box 384 Northbridge NSW 1560 or Level 1, 54 Flinders St, Darlinghurst NSW 2010. |
| To cancel my policy | Contact customer service by phone at 1300 489 873 or email [email protected]. Provide your policy number and written confirmation of your cancellation request. Notice period is immediate unless otherwise specified. All outstanding premiums must be paid up to the cancellation date. Postal: PO Box 384 Northbridge NSW 1560 or Level 1, 54 Flinders St, Darlinghurst NSW 2010. |
Include a completed claim form, paid tax invoice, and full clinical records from your vet.
For postal submission: PO Box 384 Northbridge NSW 1560 or Level 1, 54 Flinders St, Darlinghurst NSW 2010.
Reimbursements are paid to your nominated bank account; processing times may vary—typically within 10 business days if documents are complete.
You may also request via the online portal.
Postal correspondence: PO Box 384 Northbridge NSW 1560 or Level 1, 54 Flinders St, Darlinghurst NSW 2010.
Live chat may be available via the official website during business hours.
Postal address: PO Box 384 Northbridge NSW 1560 or Level 1, 54 Flinders St, Darlinghurst NSW 2010.
Provide your policy number and written confirmation of your cancellation request.
Notice period is immediate unless otherwise specified.
All outstanding premiums must be paid up to the cancellation date.
Postal: PO Box 384 Northbridge NSW 1560 or Level 1, 54 Flinders St, Darlinghurst NSW 2010.
FAQ
Do I have to pay upfront for veterinary fees with Pets on Me?
Yes, you must pay your vet directly at the time of service. Pets on Me requires claimants to settle veterinary bills upfront before submitting a claim for reimbursement; there is currently no direct payment or third-party payment available.
How do I cancel my pet insurance policy with Pets on Me?
You can cancel your policy at any time by contacting customer service via phone or email and providing your policy number and a written request for cancellation. There is no fixed notice period, but ensure all outstanding premiums are paid up to the cancellation date.
What types of pets and ages are eligible for Pets on Me insurance?
Pets on Me insures dogs and cats. Dogs and cats can be enrolled from 6 weeks of age, with age limits varying by plan: Accident Plan up to 12 years, Classic and Deluxe Plans up to 9 years at the start of cover; older pets may have restricted plan access.
Which conditions and treatments are commonly excluded from cover?
Exclusions under all plans include pre-existing conditions, elective or cosmetic treatments, behavioural or training sessions, routine care (such as check-ups, vaccinations, and flea/tick prevention), unapproved medications, and any conditions related to neglect or lack of vaccinations. Dental illness is only covered in the Deluxe Plan and under strict conditions.
How do I make a claim, and what documentation do I need?
To claim, submit your completed claim form with itemised vet invoices and full clinical records by email or via the online portal. Claims should be lodged as soon as possible and no later than 12 months after treatment; reimbursement is processed electronically to your bank account, typically within 10 business days if documents are complete.
Does Pets on Me cover hereditary or congenital conditions?
Hereditary conditions are covered only if symptoms appear after cover begins and are within the policy sub-limits. Congenital conditions are generally excluded, and any signs, diagnosis, or symptoms before the waiting period or the pet’s second birthday will void hereditary cover.
Do I have to pay upfront for veterinary fees with Pets on Me?
Yes, you must pay your vet directly at the time of service. Pets on Me requires claimants to settle veterinary bills upfront before submitting a claim for reimbursement; there is currently no direct payment or third-party payment available.
How do I cancel my pet insurance policy with Pets on Me?
You can cancel your policy at any time by contacting customer service via phone or email and providing your policy number and a written request for cancellation. There is no fixed notice period, but ensure all outstanding premiums are paid up to the cancellation date.
What types of pets and ages are eligible for Pets on Me insurance?
Pets on Me insures dogs and cats. Dogs and cats can be enrolled from 6 weeks of age, with age limits varying by plan: Accident Plan up to 12 years, Classic and Deluxe Plans up to 9 years at the start of cover; older pets may have restricted plan access.
Which conditions and treatments are commonly excluded from cover?
Exclusions under all plans include pre-existing conditions, elective or cosmetic treatments, behavioural or training sessions, routine care (such as check-ups, vaccinations, and flea/tick prevention), unapproved medications, and any conditions related to neglect or lack of vaccinations. Dental illness is only covered in the Deluxe Plan and under strict conditions.
How do I make a claim, and what documentation do I need?
To claim, submit your completed claim form with itemised vet invoices and full clinical records by email or via the online portal. Claims should be lodged as soon as possible and no later than 12 months after treatment; reimbursement is processed electronically to your bank account, typically within 10 business days if documents are complete.
Does Pets on Me cover hereditary or congenital conditions?
Hereditary conditions are covered only if symptoms appear after cover begins and are within the policy sub-limits. Congenital conditions are generally excluded, and any signs, diagnosis, or symptoms before the waiting period or the pet’s second birthday will void hereditary cover.
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