Prosure Pet Insurance 2025: Coverage, Pricing & Expert Review
Our expert's opinion on Prosure
Prosure pet insurance provides coverage for both dogs and cats in Australia, with two core plans: Accidental Injury Only and Accidental Injury & Illness, plus optional Dental Illness and Routine Care add-ons. Its flexible structure—with owner-selected reimbursement rates (e.g. 80%), annual limits, and excess levels shown on the Certificate of Insurance—places Prosure at the centre of a highly customisable but conservative local market, with strengths in accident and vet treatment coverage but strict eligibility and considerable exclusions. Compared with larger national players, Prosure stands out for its routine and dental options and lifelong cover, but its pricing and reimbursement caps vary by policyholder choice and are undisclosed publicly. Prosure suits owners seeking cover for young or middle-aged pets, especially those prioritising flexibility and optional extras for dental and routine wellness, rather than seeking high reimbursement per claim. Prosure is administered by PetSure and underwritten by Hollard Insurance, one of Australia’s largest pet insurers by premium volume; however, no specific Trustpilot score or review data is available to gauge customer satisfaction, but claims are generally processed via online or post with resolution expected along standard industry timelines.
- ✅Choice of two core plans: Accident or Accident & Illness
- ✅Owner-selected reimbursement rates, limits, and excess
- ✅Lifelong cover if renewed continuously
- ✅Optional Dental Illness and Routine Care add-ons
- ✅Emergency boarding and essential euthanasia covered (sub-limits apply)
- ✅Administered by PetSure, underwritten by Hollard Insurance
- ✅Covers some hereditary and congenital conditions (if not pre-existing)
- ❌No transparent published pricing
- ❌Numerous exclusions, especially pre-existing and dental conditions
- ❌Long waiting periods for some cover (2 years for dental)
- ❌Strict dental add-on requirements: annual check-ups, exclusions
- ❌No Trustpilot score or published customer review data
Score- ✅Choice of two core plans: Accident or Accident & Illness
- ✅Owner-selected reimbursement rates, limits, and excess
- ✅Lifelong cover if renewed continuously
- ✅Optional Dental Illness and Routine Care add-ons
- ✅Emergency boarding and essential euthanasia covered (sub-limits apply)
- ✅Administered by PetSure, underwritten by Hollard Insurance
- ✅Covers some hereditary and congenital conditions (if not pre-existing)
Our expert's opinion on Prosure
- ✅Choice of two core plans: Accident or Accident & Illness
- ✅Owner-selected reimbursement rates, limits, and excess
- ✅Lifelong cover if renewed continuously
- ✅Optional Dental Illness and Routine Care add-ons
- ✅Emergency boarding and essential euthanasia covered (sub-limits apply)
- ✅Administered by PetSure, underwritten by Hollard Insurance
- ✅Covers some hereditary and congenital conditions (if not pre-existing)
- ❌No transparent published pricing
- ❌Numerous exclusions, especially pre-existing and dental conditions
- ❌Long waiting periods for some cover (2 years for dental)
- ❌Strict dental add-on requirements: annual check-ups, exclusions
- ❌No Trustpilot score or published customer review data
Score- ✅Choice of two core plans: Accident or Accident & Illness
- ✅Owner-selected reimbursement rates, limits, and excess
- ✅Lifelong cover if renewed continuously
- ✅Optional Dental Illness and Routine Care add-ons
- ✅Emergency boarding and essential euthanasia covered (sub-limits apply)
- ✅Administered by PetSure, underwritten by Hollard Insurance
- ✅Covers some hereditary and congenital conditions (if not pre-existing)
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available in the Australian market every year to provide you with reliable, unbiased analysis. Thanks to this thorough approach, hundreds of thousands of Australians trust us each month to help them make their most important financial decisions.
Prosure Guarantees
For Australian pet owners, Prosure provides two main plans: Accidental Injury Only and Accidental Injury & Illness, both underwritten by Hollard and administered by PetSure, with broad eligibility for dogs and cats and a chosen reimbursement rate (commonly 80%).
The plans are highly customisable in annual benefit limit and excess, with optional Dental Illness and Routine Care add-ons—but dental, wellness, and many alternative treatments are excluded without these extras.
Key strengths include emergency boarding, overseas cover (select destinations, with limits), and an option for lifelong coverage if renewed without gaps.
However, there are notable waiting periods (especially 2 years for dental illness), strict pre-existing condition definitions, and the exclusion of elective, preventive, or alternative care by default.
Prosure stands out for its flexibility in tailoring coverage and limits, but will not suit owners seeking comprehensive routine or behavioural coverage or rapid dental reimbursement.
| Name of coverage | Accidental Injury Only Plan | Accidental Injury & Illness Plan |
|---|---|---|
| Plan positioning | Entry-level, accident-focused | Broad medical, injury and illness |
| Type of coverage | Accidental injury | Accidental injury + illness |
| Animals covered | Dogs, cats | Dogs, cats |
| Reimbursement rate (%) | As chosen (typically 80%) | As chosen (typically 80%) |
| Annual reimbursement limit | As selected on Certificate (e.g. $5,000–$20,000) | As selected on Certificate (e.g. $5,000–$20,000) |
| Deductible (annual or per claim) | As chosen/indicated on Certificate | As chosen/indicated on Certificate |
| Age limits for enrolment (for dogs and cats) | 8 weeks–No upper limit for accident | 8 weeks–9 years at enrolment |
| Pre-enrollment health questionnaire | No | No |
| Waiting period (illness) | Not applicable | 30 days illness (180 days cruciate/orthopedic) |
| Waiting period (accident) | None (immediate) | None (immediate for accident) |
| Lifetime coverage once subscribed | ✅, if renewed continuously | ✅, if renewed continuously |
| Vet consultations (regular + emergency) | ✅, for eligible accident claims | ✅, for eligible accident/illness claims |
| Medications | ✅, for eligible accident claims | ✅, for eligible accident/illness claims |
| Hospitalization | ✅, for eligible accident claims | ✅, for eligible accident/illness claims |
| Surgery (including anesthesia) | ✅, for eligible accident claims | ✅, for eligible accident/illness claims |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅, for eligible accident claims | ✅, for eligible accident/illness claims |
| Dental care (includes scaling and procedures) | ❌ (unless add-on selected) | Add-on only (2-year wait, strict rules) |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | Add-on only | Add-on only |
| Alternative medicine (osteopathy, acupuncture, etc.) | ❌ | ❌ |
| Travel coverage (countries included, duration) | Select overseas (no return quarantine), ≤60 days, limits apply | Select overseas (no return quarantine), ≤60 days, limits apply |
| Civil liability | ❌ | ❌ |
| Euthanasia | ✅, if essential and covered event | ✅, if essential and covered event |
| Death & cremation coverage | ❌ unless listed on Certificate | ❌ unless listed on Certificate |
| Theft or loss of pet + search expenses | ❌ | ❌ |
| Boarding fees (if owner is hospitalised) | ✅, sub-limit applies | ✅, sub-limit applies |
Good to know: Annual dental illness coverage (if add-on selected) begins only after 2 years’ policy holding and routine annual dental checks by a vet. Maximum benefit limits, reimbursement percentage, and excess are set individually on each Certificate of Insurance and can be adjusted when you first purchase the policy. Wellness/preventive care is only available via optional Routine Care, and payouts on select conditions (hereditary, congenital, recurring) are subject to strict pre-existing condition clauses and waiting periods.
To find the best value, compare Prosure’s plan options and optional add-ons with several providers for your pet’s age and needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Prosure Exclusions
Prosure exclusions follow industry standards but are particularly strict regarding pre-existing conditions, which encompass any prior symptoms or related/bilateral issues.
There are noteworthy exclusions for multiple foreign object ingestions (one per year), all alternative or complementary therapies unless specifically covered, and almost all dental treatments unless the Dental Illness add-on is chosen—and even then, only after two years and frequent vet checks.
Additional exclusions include economic loss, commercial or breeding use, and both elective and cosmetic procedures.
Treatment outside Australia is only covered in select circumstances and locations, and all coverage is void if the pet is not up to date with listed vaccinations, which is more restrictive than some competitors.
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions (including related/bilateral and seasonal) • Hereditary/congenital if pre-existing • Chronic/recurring conditions before cover • Endoparasites/ectoparasites (except tick paralysis) • Non-snake toxicities • Multiple foreign body ingestions (max once per year) |
| Dental exclusions | • All dental care/disease/cleaning unless Dental Illness add-on • Cosmetic/orthodontic/root canal/crowns • Removal of deciduous teeth except as specified • Add-on only after 2 years and annual dental checks |
| Behavioural & alternative medicine exclusions | • Behavioural problems, anxiety, phobias, training/socialisation • All alternative/complementary therapies (physio, acupuncture, hydrotherapy, homeopathy) unless add-on selected |
| Preventive & routine exclusions | • Non-prescribed food, supplements, vitamins, creams/ointments • Preventive parasiticides, vaccines (if not via add-on) • Routine exams, grooming, non-medicated shampoos |
| Elective/cosmetic/specialty exclusions | • Cosmetic, elective, experimental treatments • Organ transplants, advanced prosthetics, genetic/chromosome testing • Tail/ear/nail clipping, desexing (unless add-on) |
| Geographic & travel exclusions | • Costs for treatment/services outside Australia (unless overseas benefit applies) • Only select countries, max 60 days, no quarantine return • Economic/indirect/consequential loss |
| Identification/external circumstances | • Commercial/breeding use of pet (not guide dogs) • Claims if pet is not up to date with required vaccinations • Costs from intentional act, negligence, or epidemics (e.g. Covid-19), declared animal epidemics |
| Other notable exclusions | • Claim submissions more than 12 months after event • Boarding/daycare except for covered emergencies • Out-of-hours visits except as defined in emergency • Testing for breeding or cell replacement therapies (except transfusions) |
• Hereditary/congenital if pre-existing
• Chronic/recurring conditions before cover
• Endoparasites/ectoparasites (except tick paralysis)
• Non-snake toxicities
• Multiple foreign body ingestions (max once per year)
• Cosmetic/orthodontic/root canal/crowns
• Removal of deciduous teeth except as specified
• Add-on only after 2 years and annual dental checks
• All alternative/complementary therapies (physio, acupuncture, hydrotherapy, homeopathy) unless add-on selected
• Preventive parasiticides, vaccines (if not via add-on)
• Routine exams, grooming, non-medicated shampoos
• Organ transplants, advanced prosthetics, genetic/chromosome testing
• Tail/ear/nail clipping, desexing (unless add-on)
• Only select countries, max 60 days, no quarantine return
• Economic/indirect/consequential loss
• Claims if pet is not up to date with required vaccinations
• Costs from intentional act, negligence, or epidemics (e.g. Covid-19), declared animal epidemics
• Boarding/daycare except for covered emergencies
• Out-of-hours visits except as defined in emergency
• Testing for breeding or cell replacement therapies (except transfusions)
Prosure Prices
Prosure holds a mid-range pricing position in the Australian pet insurance market, offering accident-only or comprehensive accident and illness cover with flexible reimbursement rates and a standard deductible structure.
While its core insurance options are competitive and align with other large pet insurers, limitations on high-cost dental and wellness care—available only as restrictive or delayed add-ons—can keep average premiums modest compared to premium “all-inclusive” offerings.
Unlike fully digital pure players, Prosure operates with traditional processes but provides reliable online claims and direct settlement, ensuring administrative costs remain under control.
Its value is compelling for pet owners seeking straightforward protection and transparent plan selection, but not those requiring full dental and broad wellness in the base premium.
Overall, Prosure offers strong value for basic and core needs but is less suitable for owners prioritising maximum benefit breadth and low out-of-pocket costs for high-frequency items.
| Accidental Injury Only | Accidental Injury & Illness | |
|---|---|---|
| Young cat (2–4 years) | $17/month | $32/month |
| Senior cat (7–8 years) | $23/month | $44/month |
| Small breed dog | $20/month | $39/month |
| Small breed dog (2–4 years) | $20/month | $39/month |
| Large breed dog (2–4 years) | $28/month | $57/month |
| Senior dog (7–8 years) | $38/month | $79/month |
To find the best price for your pet, compare Prosure’s plans against other providers and consider your desired level of cover.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Prosure Promo Codes
| Prosure 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 reimbursement amount for Prosure?
With Prosure’s highest-tier Accidental Injury & Illness plan (with optional Routine Care and Dental Illness add-ons), your eligible vet bills are reimbursed at the selected benefit percentage after the annual excess, making it easier to avoid high out-of-pocket costs for unexpected incidents.
Gastroenteritis Claim Reimbursement
Total vet costs: $450 (consultation, blood tests, IV fluids, medication)
Annual excess to subtract: $100 (if first claim of the year)
Amount reimbursable after excess: $450 – $100 = $350
Reimbursed at 80%: $350 × 80% = $280
👉 You receive $280 back from Prosure; your out-of-pocket expense is $170.
ℹ️ The annual excess is only applied once per insurance year. Subsequent claims will not deduct the excess again until the next policy year.
Surgery for removal of a foreign object (intestinal obstruction)
Total vet costs: $2,500 (surgery, anaesthesia, post-op care)
Annual excess already used earlier in the year
Amount reimbursed at 80%: $2,500 × 80% = $2,000
👉 With Prosure, you would be reimbursed $2,000 and pay $500 out of pocket.
ℹ️ The reimbursement is always calculated after the annual excess has been used. Higher-cost emergencies clearly show the benefit of comprehensive cover.
Annual vaccination and health check (Routine Care add-on)
Total vet cost: $120 (routine vaccination, health screening)
Annual excess does not apply to Routine Care benefits
Routine Care limit reimbursed: up to $80 for vaccination and health check, depending on the plan limit
👉 You are reimbursed $80; your out-of-pocket is $40.
ℹ️ Routine Care benefits are capped annually and operate separately from illness or injury claims. Not all routine procedures may be fully reimbursed if sub-limits are met.
Prosure Assistance
Prosure’s assistance is primarily limited to standard claims management, with no advance payment services or 24/7 veterinary advice available.
While claims can be lodged online or by mail, there is no dedicated mobile app for claim submission or policy tracking, which may make the process less convenient for tech-savvy users.
No payment facility or interest-free instalment plan is provided, which could be a drawback for pet owners needing financial flexibility for annual premiums.
Prosure does not maintain a partner vet or clinic network, so discounted direct vet arrangements are not available.
Overseas veterinary cover is offered but strictly limited to select destinations (e.g., New Zealand) and certain timeframes, requiring adherence to specific policy conditions.
| Assistance Prosure | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service (such as Payvet, Petcard, Carecredit) is offered. |
| Payment facilities | ❌ | No known instalment options or fee-free payment plans; only standard payment accepted. |
| Mobile app | ❌ | N.C.: No mobile app available for policy management or claims. |
| Paperless claims process | ✅ | Claims can be submitted through an online portal or by email. Paperless handling, but no dedicated app. |
| Emergency vet service | ❌ | No 24/7 emergency vet hotline or teleconsultation for policyholders. |
| Vet/clinic partner network | ❌ | No partner clinic or vet network is available; claims paid to policyholder only. |
| Coverage abroad | ✅ | Cover applies for treatment in select overseas locations (e.g., New Zealand), up to 60 days per trip and subject to strict limitations. |
Paperless handling, but no dedicated app.
up to 60 days per trip and subject to strict limitations.
Customer Reviews of Prosure
| 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 Prosure for their pets often mention: ✅ N.C.
On the negative side: ❌ N.C.
How to Contact Prosure
| Prosure 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 submitted via email to [email protected], online via the Prosure website, or by post to Locked Bag 9021, Castle Hill NSW 1765. You will need to provide completed claim form, paid invoices, and detailed clinical notes from your vet. Claims are paid by direct deposit to your nominated bank account; average processing time is not specified, but standard turnaround is within 5–10 business days upon receipt of all documents. |
| To obtain a certificate of insurance | Request a Certificate of Insurance by contacting customer service: Phone: 1800 424 917 (Mon–Fri 8:30am–5:00pm AEST) Email: [email protected] Mail: PROSURE, Locked Bag 9021, Castle Hill NSW 1765. |
| To contact assistance | For general assistance (claims, benefits, policy queries): Phone: 1800 424 917 (Mon–Fri 8:30am–5:00pm AEST) Email: [email protected] Mail: PROSURE, Locked Bag 9021, Castle Hill NSW 1765. |
| To cancel my policy | Contact Prosure by phone at 1800 424 917 or email [email protected]. A written request is required (email or mail). You may need to provide your policy details and the effective cancellation date. There is no mandatory notice period, but cancellation is effective from the date the request is received; any unused premium may be refunded on a pro rata basis if no claims have been made in the period. |
online via the Prosure website, or by post to Locked Bag 9021, Castle Hill NSW 1765.
You will need to provide completed claim form, paid invoices, and detailed clinical notes from your vet.
Claims are paid by direct deposit to your nominated bank account; average processing time is not specified, but standard turnaround is within 5–10 business days upon receipt of all documents.
Phone: 1800 424 917 (Mon–Fri 8:30am–5:00pm AEST)
Email: [email protected]
Mail: PROSURE, Locked Bag 9021, Castle Hill NSW 1765.
Phone: 1800 424 917 (Mon–Fri 8:30am–5:00pm AEST)
Email: [email protected]
Mail: PROSURE, Locked Bag 9021, Castle Hill NSW 1765.
A written request is required (email or mail).
You may need to provide your policy details and the effective cancellation date.
There is no mandatory notice period, but cancellation is effective from the date the request is received; any unused premium may be refunded on a pro rata basis if no claims have been made in the period.
FAQ
Do I have to pay upfront for veterinary fees with Prosure?
Yes, with Prosure you must pay your vet for all treatment costs up front. Prosure does not offer an advance payment or direct vet payment system. After paying the vet, you can then submit a claim for reimbursement based on your policy terms.
How do I cancel my pet insurance policy with Prosure?
To cancel your Prosure policy, you should contact customer service by phone or email and submit a written request. No specific notice period is required, and cancellation typically takes effect on the date your request is received. If no claims have been made during the current policy period, you may be eligible for a pro-rata refund of unused premium.
What types of pets are eligible for Prosure pet insurance?
Prosure covers cats and dogs that are between 8 weeks and under 9 years of age when the policy starts. Once insured, pets can remain covered for life if the policy is renewed without interruption. Other animals, such as rabbits or birds, are not eligible for Prosure cover.
Does Prosure cover dental illness or regular preventive care?
Dental illness is only covered if you purchase the optional Dental Illness add-on, which comes with a two-year waiting period and certain annual veterinary check-up requirements. Routine and preventive care (like desexing, microchipping, or vaccinations) is available only with the Routine Care add-on and is subject to set limits.
Are pre-existing conditions covered by Prosure?
No, Prosure excludes all pre-existing conditions—meaning any illness or injury with signs, symptoms, or treatment before cover starts or during the waiting period. Certain temporary conditions may be reviewed and reinstated, but chronic or recurring issues will remain permanently excluded from your cover.
Do I have to pay upfront for veterinary fees with Prosure?
Yes, with Prosure you must pay your vet for all treatment costs up front. Prosure does not offer an advance payment or direct vet payment system. After paying the vet, you can then submit a claim for reimbursement based on your policy terms.
How do I cancel my pet insurance policy with Prosure?
To cancel your Prosure policy, you should contact customer service by phone or email and submit a written request. No specific notice period is required, and cancellation typically takes effect on the date your request is received. If no claims have been made during the current policy period, you may be eligible for a pro-rata refund of unused premium.
What types of pets are eligible for Prosure pet insurance?
Prosure covers cats and dogs that are between 8 weeks and under 9 years of age when the policy starts. Once insured, pets can remain covered for life if the policy is renewed without interruption. Other animals, such as rabbits or birds, are not eligible for Prosure cover.
Does Prosure cover dental illness or regular preventive care?
Dental illness is only covered if you purchase the optional Dental Illness add-on, which comes with a two-year waiting period and certain annual veterinary check-up requirements. Routine and preventive care (like desexing, microchipping, or vaccinations) is available only with the Routine Care add-on and is subject to set limits.
Are pre-existing conditions covered by Prosure?
No, Prosure excludes all pre-existing conditions—meaning any illness or injury with signs, symptoms, or treatment before cover starts or during the waiting period. Certain temporary conditions may be reviewed and reinstated, but chronic or recurring issues will remain permanently excluded from your cover.
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