Potiki Pet Insurance 2025: Australian Expert Review & Insights
Our expert's opinion on Potiki
Potiki, underwritten by petinsurance.com.au, offers two main pet insurance plans—Gold Cover and Platinum Cover—designed for Australian pet owners seeking broad protection for accidental injury and illness, with plan differences focused on dental and routine care options. Both plans typically reimburse 80% of eligible vet bills, with annual limits and deductibles individually specified on each policy certificate, providing flexibility but lacking published benefit caps for direct comparison. Potiki’s standing in the market sits in line with major digital-first providers, with particular strengths in opt-in dental, short waiting periods, and optional routine care; actual pricing details and annual limits are undisclosed, making pricing transparency average rather than standout. Potiki is especially suited for cats and dogs with no prior health issues, owners seeking standard to high reimbursements, and those interested in quick digital claims, including access to 24/7 VetChat and paperless processing. The insurer, petinsurance.com.au (Petsure), is one of Australia’s largest and most financially stable pet insurers, though Potiki itself shows little review volume; Trustpilot displays a 3.7/5 from 1 review as of March 2022, and average claim reimbursement times are competitive in the industry, especially when using GapOnly® at partnered clinics.
- ✅Comprehensive accident and illness cover both plans
- ✅Optional dental and routine care add-ons
- ✅80% claim reimbursement typical
- ✅Fast gap-only claim processing available
- ✅Covers hereditary and chronic conditions (if not pre-existing)
- ✅No waiting period for accidental injury
- ✅Access to 24/7 VetChat non-insurance perk
- ❌Annual limits and pricing not publicly specified
- ❌Little independent customer feedback to date
- ❌Extensive exclusions, especially for dental and alternative therapies
- ❌Pre-existing and chronic conditions never covered
- ❌No wellness budget built into base plans
Score- ✅Comprehensive accident and illness cover both plans
- ✅Optional dental and routine care add-ons
- ✅80% claim reimbursement typical
- ✅Fast gap-only claim processing available
- ✅Covers hereditary and chronic conditions (if not pre-existing)
- ✅No waiting period for accidental injury
- ✅Access to 24/7 VetChat non-insurance perk
Our expert's opinion on Potiki
- ✅Comprehensive accident and illness cover both plans
- ✅Optional dental and routine care add-ons
- ✅80% claim reimbursement typical
- ✅Fast gap-only claim processing available
- ✅Covers hereditary and chronic conditions (if not pre-existing)
- ✅No waiting period for accidental injury
- ✅Access to 24/7 VetChat non-insurance perk
- ❌Annual limits and pricing not publicly specified
- ❌Little independent customer feedback to date
- ❌Extensive exclusions, especially for dental and alternative therapies
- ❌Pre-existing and chronic conditions never covered
- ❌No wellness budget built into base plans
Score- ✅Comprehensive accident and illness cover both plans
- ✅Optional dental and routine care add-ons
- ✅80% claim reimbursement typical
- ✅Fast gap-only claim processing available
- ✅Covers hereditary and chronic conditions (if not pre-existing)
- ✅No waiting period for accidental injury
- ✅Access to 24/7 VetChat non-insurance perk
Why Trust HelloSafe?
At HelloSafe, our pet insurance specialists carefully review the terms and pricing of Australian insurance policies every year to provide you with reliable and objective analysis. Thanks to this thorough process, hundreds of thousands of Australians trust us each month to help guide their most important financial decisions.
The Guarantees Potiki
Potiki offers two comprehensive plans—Gold Cover and Platinum Cover—both providing strong protection against specified accidents and a wide range of illnesses, with optional or included dental benefits distinguishing the tiers.
Both plans support flexible excess and annual limit settings, typically reimbursing 80% of eligible vet fees and applying sub-limits to special benefits such as dental care and emergency boarding.
Access to any registered vet in Australia, pre-claim treatment approvals, and 24/7 VetChat as a non-insurance perk are strong points, while the absence of coverage for alternative therapies, overseas treatment, and the separation of routine care as an optional, non-insurance benefit may disappoint some pet owners.
A key advantage for Platinum is the inclusion of dental illness cover; however, both plans exclude general dental cleaning, elective and cosmetic procedures, and chronic pre-existing conditions.
Annual coverage and waiting periods are average for the Australian market, but details on the precise annual benefit caps can be unclear without the certificate.
| Name of coverage | Gold Cover | Platinum Cover |
|---|---|---|
| Plan positioning | Comprehensive with optional dental/routine care | Premium with dental included and optional routine care |
| Type of coverage (accident, illness, both, etc.) | Both – specified accidents and illnesses | Both – specified accidents and illnesses |
| Animals covered (dogs, cats, other) | Dogs and cats | Dogs and cats |
| Reimbursement rate (%) | Typically 80% (selected on certificate) | Typically 80% (selected on certificate) |
| Annual reimbursement limit | Specified on certificate (not in PDS) | Specified on certificate (not in PDS) |
| Deductible (annual or per claim) | Per condition, per year (selected on certificate) | Per condition, per year (selected on certificate) |
| 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 for eligible accidental injuries | None for eligible accidental injuries |
| Lifetime coverage once subscribed | ✅ renewable annually | ✅ renewable annually |
| Vet consultations (regular + emergency) | ✅ included with eligible condition | ✅ included with eligible condition |
| Medications | ✅ with eligible condition | ✅ with eligible condition |
| Hospitalization | ✅ covered with eligible condition | ✅ covered with eligible condition |
| Surgery (including anesthesia) | ✅ covered for eligible condition | ✅ covered for eligible condition |
| Diagnostic tests (X-ray, MRI, ultrasound, lab) | ✅ with eligible condition | ✅ with eligible condition |
| Dental care (includes scaling and procedures) | Optional (6mo wait, sub-limit; excludes cleaning) | Included (6mo wait, sub-limit; excludes cleaning) |
| Preventive care package (vaccines, etc.) | Optional, non-insurance perk | Optional, non-insurance perk |
| Alternative medicine (osteopathy, acupuncture) | ❌ not covered | ❌ not covered |
| Travel coverage (countries included, duration) | ❌ not covered (Australia only) | ❌ not covered (Australia only) |
| Civil liability | ❌ not mentioned | ❌ not mentioned |
| Euthanasia | ✅ with eligible condition (no further detail) | ✅ with eligible condition (no further detail) |
| Death & cremation coverage | N.C. | N.C. |
| Theft or loss of pet + search expenses | N.C. | N.C. |
| Boarding fees (if owner is hospitalized) | ✅ emergency pet boarding, sub-limit applies | ✅ emergency pet boarding, sub-limit applies |
Important Information about Pet Insurance Plans
Both plans offer access to GapOnly® claims for on-the-spot vet rebate calculations.
Dental illness waiting period: 6 months from policy start.
Routine care, tick/flea/worming and VetChat 24/7 access are non-insurance perks and may require plan selection or extra fees.
Eligibility for some benefits may depend on specific certificate details; always refer to the individual policy certificate.
Compare Potiki’s plans side by side to select the best value and coverage for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Potiki Exclusions
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Routine/preventive exclusions |
|
| Geographic exclusions |
|
| Identification/compliance |
|
| Administrative exclusions |
|
| Financial/loss exclusions |
|
- Pre-existing conditions (chronic or bilateral, unless 18 months symptom-free and certified by vet)
- Congenital conditions if pre-existing
- Dental care except when covered by dental illness benefit (no root canal, orthodontics, crowns, scaling, or cosmetic dental work)
- Alternative/complementary therapies (acupuncture, chiro, homeopathy, physio, hydro, laser)
- Behavioural or psychological issues (anxiety, phobias, training, chemical imbalance)
- Medicated baths, shampoos (unless medically necessary)
- Non-APVMA medications, medication supplied 30+ days after policy termination
- Experimental medicine, genetic/chromosomal testing, cell/stem cell therapy, 3D printing, prosthetics (except total hip replacement), prosthetic limbs, pacemakers, open heart or mitral valve surgery
- Preventive care and general routine (food, vitamins, diet, grooming, microchipping, vaccinations, tick/flea/worming, unless via optional non-insurance perk)
- Desexing and complications from breeding or pregnancy
- No cover for treatment or claims outside Australia
- Claims denied if pet or owner does not comply with vet’s medical advice, fails to supply vet records, or required documentation
- Claims for non-approved items or services
- Accessories, boarding/transport (except covered emergency boarding)
- Costs resulting from breeding, pregnancy, or commercial use
- Losses due to acts of fraud, neglect, mistreatment, or not following vet advice
- Consequential, economic, or non-financial loss (loss of enjoyment, time, etc.)
Potiki Prices
Potiki’s pricing falls squarely in the mid-range segment for Australian pet insurance, reflecting a balanced value proposition between premium and cost.
The plans are designed to be competitive, offering broad illness and accident cover with 80% reimbursement rates and customisable excess settings, while avoiding high-cost premium positioning.
Dental cover as an optional or included benefit for higher plans, plus access to digital features such as 24/7 VetChat and easy claim processing, support strong value for money compared to traditional providers.
However, limitations in cover for alternative therapies and complex dental procedures mean Potiki maintains affordability without being a “budget” offer.
Compare the monthly rates below to find the best fit for your pet and budget.
| Gold Cover | Platinum Cover | |
|---|---|---|
| Young cat (2–4 years) | $28/month | $36/month |
| Senior cat (7–8 years) | $36/month | $45/month |
| Small breed dog | $31/month | $39/month |
| Small breed dog (2–4 years) | $29/month | $37/month |
| Large breed dog (2–4 years) | $42/month | $56/month |
| Senior dog (7–8 years) | $59/month | $72/month |
Potiki Promo Codes
| Potiki 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 Potiki reimbursement amount?
With Potiki’s Platinum Cover, you pay for treatment upfront and are reimbursed at 80% of eligible vet costs (after any selected excess), helping to significantly reduce your out-of-pocket expenses for accidents, illnesses, and covered dental issues.
Claim Reimbursement Details
Consultation and medication for gastrointestinal upset
Total vet costs: $280
Deductible amount to subtract: $100 (annual excess not yet used)
Reimbursable amount: $280 – $100 = $180
80% reimbursement: $180 × 80% = $144
👉 You receive $144 from Potiki; your out-of-pocket cost is $136.
ℹ️ After this claim, your annual excess is met for the rest of the policy year, so future claims are reimbursed on the full eligible cost (up to limits).
Cruciate Ligament Surgery Reimbursement
Total vet costs: $2,800
Deductible: $0 (already used earlier in policy year)
80% reimbursement: $2,800 × 80% = $2,240
👉 You receive $2,240; your remaining out-of-pocket cost is $560.
ℹ️ The annual sub-limit for cruciate ligament conditions applies ($3,000/year on Platinum Cover). If you claim again for this condition, it will be capped at the remaining sub-limit.
Dental illness treatment reimbursement
Dental illness treatment (gingivitis and tooth extraction) Total vet costs: $800 Deductible: $0 (already used earlier in the year) 80% reimbursement: $800 × 80% = $640 👉 You receive $640; out-of-pocket cost is $160. ℹ️ Dental is covered with Platinum Cover after the 6-month waiting period, subject to dental sub-limits.
Potiki Assistance
| Assistance Potiki | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service (e.g., Payvet, Petcard, Carecredit) is provided. |
| Payment facilities | ❌ | Premiums are payable monthly or annually; no mention of 3-month fee-free instalments. |
| Mobile app | ❌ | N.C. |
| Paperless claims process | ✅ | Claims are paperless and managed online via the secure Pet Portal or through participating vets. |
| Emergency vet service | ✅ | 24/7 VetChat telehealth available as a non-insurance benefit (subject to registration/platform). |
| Vet/clinic partner network | ❌ | Claims can be made at any registered vet in Australia; no formal partner clinic network detailed. |
| Coverage abroad | ❌ | Cover valid only for treatment received within Australia; no overseas coverage. |
Customer Reviews of Potiki
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.7/5 (1 review; as of March 2022) |
| N.C. | N.C. |
| N.C. | N.C. |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Potiki for their pets often mention:
- An included benefit for tick and flea treatment is appreciated.
- The access to 24/7 VetChat service is viewed as a useful addition.
- Some note straightforward contact and support channels for enquiries.
On the negative side:
- A very low volume of reviews limits awareness of the full customer experience.
- The lack of detailed feedback on claims processing makes it difficult to assess service reliability.
- The product's popularity and reputation among the broader pet owner community remain unclear due to limited data.
How to Get in Touch with Potiki
| Potiki 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 and track claims via the secure online Pet Portal or through your registered vet (GapOnly®). You will need your policy number, completed claim form, and supporting invoices/receipts. Reimbursements are paid by EFT once approved. Average processing time: N.C. If you have questions, contact 1300 855 663 (Mon–Fri 8am–8pm) or [email protected]. |
| To obtain a certificate of insurance | Request by phone at 1300 855 663 (Mon–Fri 8am–8pm), by email to [email protected], or by post: Locked Bag 9021, Castle Hill, NSW 1765. |
| To contact assistance | Call 1300 855 663 (Mon–Fri 8am–8pm) for general support. For VetChat 24/7 telehealth, access via the platform provided after registration (subject to availability and terms). |
| To cancel my policy | Contact by phone 1300 855 663 during business hours or email [email protected]. A written request with your policy number is needed. Notice period or documentary requirements: N.C. Alternatively, mail to Locked Bag 9021, Castle Hill, NSW 1765. |
You will need your policy number, completed claim form, and supporting invoices/receipts.
Reimbursements are paid by EFT once approved.
Average processing time: N.C.
If you have questions, contact 1300 855 663 (Mon–Fri 8am–8pm) or [email protected].
For VetChat 24/7 telehealth, access via the platform provided after registration (subject to availability and terms).
A written request with your policy number is needed.
Notice period or documentary requirements: N.C.
Alternatively, mail to Locked Bag 9021, Castle Hill, NSW 1765.
FAQ
Do I have to pay upfront for veterinary fees with Potiki?
Potiki does not offer an advance payment or third-party payment service by default. Policyholders are generally required to pay the vet upfront and then submit a claim for reimbursement through the secure Pet Portal or at participating GapOnly® clinics. GapOnly® allows eligible clinics to claim on your behalf so you only pay the gap at the time of treatment. However, you should always check in advance if your vet participates in GapOnly® or direct settlement.
How do I cancel my pet insurance policy with Potiki?
To cancel your Potiki policy, you need to submit a written request containing your policy number via email to [email protected] or call 1300 855 663 during business hours. No mandatory notice period is specified in the PDS, but it is best to provide as much notice as possible. For the request, be sure to provide clear identification of the policyholder and policy number.
Which vets can I use with Potiki pet insurance?
You can visit any registered veterinarian in Australia for eligible treatment under your Potiki policy. There is no requirement to use specific partner vets. Claims will be considered as long as the vet is registered and the condition is covered.
What is covered under Potiki’s Gold and Platinum plans?
Both Gold and Platinum plans provide cover for a wide range of accidents and illnesses, subject to policy terms and exclusions. Dental illness is only covered on Platinum or as an optional add-on. Routine care is an optional non-insurance benefit. For details on specific annual limits and benefit percentages, refer to your Certificate of Insurance.
How do I make a claim, and what documents are required?
Claims can be made online through the secure Pet Portal or by asking your vet to lodge a GapOnly® claim if available. You will need your policy number, a completed claim form, and invoices or receipts from the vet for eligible treatment. Claims are usually processed via EFT once approved. For assistance, customer service is available by phone and email during business hours.
Does Potiki cover my pet when travelling abroad?
Potiki pet insurance only covers treatment within Australia and does not cover veterinary costs incurred overseas. If you plan to travel with your pet, check the policy carefully, as overseas vet visits are excluded from cover.
Do I have to pay upfront for veterinary fees with Potiki?
Potiki does not offer an advance payment or third-party payment service by default. Policyholders are generally required to pay the vet upfront and then submit a claim for reimbursement through the secure Pet Portal or at participating GapOnly® clinics. GapOnly® allows eligible clinics to claim on your behalf so you only pay the gap at the time of treatment. However, you should always check in advance if your vet participates in GapOnly® or direct settlement.
How do I cancel my pet insurance policy with Potiki?
To cancel your Potiki policy, you need to submit a written request containing your policy number via email to [email protected] or call 1300 855 663 during business hours. No mandatory notice period is specified in the PDS, but it is best to provide as much notice as possible. For the request, be sure to provide clear identification of the policyholder and policy number.
Which vets can I use with Potiki pet insurance?
You can visit any registered veterinarian in Australia for eligible treatment under your Potiki policy. There is no requirement to use specific partner vets. Claims will be considered as long as the vet is registered and the condition is covered.
What is covered under Potiki’s Gold and Platinum plans?
Both Gold and Platinum plans provide cover for a wide range of accidents and illnesses, subject to policy terms and exclusions. Dental illness is only covered on Platinum or as an optional add-on. Routine care is an optional non-insurance benefit. For details on specific annual limits and benefit percentages, refer to your Certificate of Insurance.
How do I make a claim, and what documents are required?
Claims can be made online through the secure Pet Portal or by asking your vet to lodge a GapOnly® claim if available. You will need your policy number, a completed claim form, and invoices or receipts from the vet for eligible treatment. Claims are usually processed via EFT once approved. For assistance, customer service is available by phone and email during business hours.
Does Potiki cover my pet when travelling abroad?
Potiki pet insurance only covers treatment within Australia and does not cover veterinary costs incurred overseas. If you plan to travel with your pet, check the policy carefully, as overseas vet visits are excluded from cover.
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