Pet insurance - CommBank

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Offer ends 30 June 2025. T&Cs apply.<a data-tracker-type="richtext" dtmtracker="@@@@@@" href="#terms">*</a> </div> <div> <h3>Provided by PetSure<br /> </h3> </div> </div> </div> </div></div> </div> <script type="text/javascript"> var mboxId = mboxName = 'CB\u002DINS\u002DPI\u002DHEROBANNER'; var mboxLocation = 'CB\u002DINS\u002DPI\u002DHEROBANNER'; var wcmMode = 'DISABLED'; var includeResolvedSegments = false; var accurateTargeting = false; // register the default content path in the "defaults" map CQ_Analytics.TestTarget.defaults[mboxName] = "\/content\/commbank\u002Dneo\/insurance\/pet\u002Dinsurance\/_jcr_content\/banner\/banner\/default.html"; if (typeof mboxDefine == 'function' && wcmMode !== 'ANALYTICS') { var callParameters = [ mboxId ]; var callFunction; var replaced = false; callFunction = mboxCreate; if (callFunction == mboxDefine) { // if the campaign store is available at this time we are most likely simulating // so trigger an update if the (auto) campaign is selected if (window.ClientContext !== 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data-expand-accordion="false"> <nav> <ul class="with-cta"> <li class="active"> <a aria-controls="compare" id="tab-0" data-target="#compare" href="#compare" data-fl-countingmethod="select" data-fl-event="select" data-tracker-type="anchor" data-tracker_ei="default_0_1" data-tracker-id="default_0_1"> Compare pet insurance </a> </li> <li> <a aria-controls="benefits" id="tab-1" data-target="#benefits" href="#benefits" data-fl-countingmethod="select" data-fl-event="select" data-tracker-type="anchor" data-tracker_ei="default_0_2" data-tracker-id="default_0_2"> Optional benefits </a> </li> <li> <a aria-controls="vet" id="tab-2" data-target="#vet" href="#vet" data-fl-countingmethod="select" data-fl-event="select" data-tracker-type="anchor" data-tracker_ei="default_0_3" data-tracker-id="default_0_3"> 24/7 Live Vet support </a> </li> <li> <a aria-controls="claim" id="tab-3" data-target="#claim" href="#claim" data-fl-countingmethod="select" data-fl-event="select" data-tracker-type="anchor" data-tracker_ei="default_0_4" data-tracker-id="default_0_4"> Make a claim </a> </li> <li> <a aria-controls="faqs" id="tab-4" data-target="#faqs" href="#faqs" data-fl-countingmethod="select" data-fl-event="select" data-tracker-type="anchor" data-tracker_ei="default_0_5" data-tracker-id="default_0_5"> Pet insurance FAQs </a> </li> </ul> <div class="anchor-nav-cta"> <a aria-label="Get a quote" href="https://cbainsurance.petsure.com.au" class="button_primary" data-fl-countingmethod="select" data-fl-event="select" data-tracker-product="FE130" data-tracker-locationid="nav_CTA" data-ga4-event="apply_now" data-tracker-id="default_0_1" data-tracker-type="button" data-tracker_ei="default_0_1" target="_blank">Get a quote</a> </div> </nav> </div> </div> <div class="how-to"> <div class="how-to-module bottom-divider"> <div class="column-combo standard-spacing three-column"> <div class="header-section"> <h2>Comprehensive pet cover for cats and dogs with added benefits </h2> </div> <div class="content-section"> <div class="item is-icon "> <div class="image-section"> <img class="is-icon" src="/content/dam/commbank-assets/pictograms/personal_loans.svg" alt=" " aria-hidden="true"/> </div> <div class="item-inner"> <div> <p><p>Choose from two levels of comprehensive cover with the option to add Booster Care cover and/or Routine Care (non-insurance benefit).</p> </p> </div> </div> </div> <div class="item is-icon "> <div class="image-section"> <img class="is-icon" src="/content/dam/commbank-assets/pictograms/questions_feedback_pictograms.svg" alt=" " aria-hidden="true"/> </div> <div class="item-inner"> <div> <p><p>Get complimentary 24/7 access to trusted vet care anytime, anywhere with Live Vet.<sup><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="#terms">1</a> </sup></p> </p> </div> </div> </div> <div class="item is-icon "> <div class="image-section"> <img class="is-icon" src="/content/dam/commbank-assets/pictograms/ds_pictogram_support2.svg" alt=" " aria-hidden="true"/> </div> <div class="item-inner"> <div> <p><p>Make a GapOnly<sup>®</sup> claim at a participating vet – just pay the gap and go.<sup><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="#terms">2</a></sup></p> </p> </div> </div> </div> </div> </div> </div> </div> <div class="group-module"><div id="compare"> <div class="group"> <div class="cardsV2"><div class="card-module-alt "> <div class="card-combo standard-spacing two-column"> <div class="header-section"> <h2><a>Compare pet insurance</a> </h2> <p>Take a closer look at the inclusions in the <a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">Product Disclosure Statement</a> (PDS). <br /> <br /> Pet Insurance isn’t available in branch. </p> </div> <div class="card-section "> <div class="carditem"> <div class="card compare"> <div class="card-container"> <div class="card-header"> <h3><p>Classic Cover</p> </h3> </div>  <div class="card-content bullet-to-tick "> <p>Choose to get up to 70% or 80% back on eligible vet bills<b></b></p> <div class="bigText-section"> <div class="bigText"> <span class="bigText-highlight sub-sup"> <span class="text"><p>Annual benefit limit up to</p> </span> <span class="number"><p>$15,000</p> </span> </span> </div> </div> <div class="compare-description bullet-to-tick"> <ul> <li>Excess: $0 or $200</li> <li>Covers specified accidental injuries and illnesses</li> <li>Consultations: $400 sub-limit per policy period </li> <li>Tick paralysis: $4,000 sub-limit per policy period</li> <li>Cruciate ligament conditions: $4,000 per leg, per policy period </li> <li>Hip joint surgery or replacement: $4,000 per hip, per policy period</li> <li>Emergency boarding: $4,000 sub-limit per policy period</li> </ul> </div> </div> <div class="card-cta"> <a aria-label="Get a quote" href="https://cbainsurance.petsure.com.au" class="button_primary" data-fl-countingmethod="select" data-fl-event="select" data-tracker-product="FE130" data-tracker-locationid="classic_CTA" data-ga4-event="apply_now" data-tracker-id="default_0_2" data-tracker-type="button" data-tracker_ei="default_0_2" target="_blank">Get a quote</a> </div> </div> </div> </div> <div class="carditem"> <div class="card compare"> <div class="card-container"> <div class="card-header"> <h3><p>Plus Cover</p> </h3> </div>  <div class="card-content bullet-to-tick "> <p>Choose to get up to 80% or 90% back on eligible vet bills with no sub-limits</p> <div class="bigText-section"> <div class="bigText"> <span class="bigText-highlight sub-sup"> <span class="text"><p>Annual benefit limit up to </p> </span> <span class="number"><p>$30,000</p> </span> </span> </div> </div> <div class="compare-description bullet-to-tick"> <ul> <li>Excess: $0 or $200</li> <li>Covers specified accidental injuries and illnesses</li> <li>Consultations: No sub-limit</li> <li>Tick paralysis: No sub-limit</li> <li>Cruciate ligament conditions: No sub-limit</li> <li>Hip joint surgery or replacement: No sub-limit</li> <li>Emergency boarding: No sub-limit</li> </ul> </div> </div> <div class="card-cta"> <a aria-label="Get a quote" href="https://cbainsurance.petsure.com.au" class="button_primary" data-fl-countingmethod="select" data-fl-event="select" data-tracker-product="FE130" data-tracker-locationid="plus_CTA" data-ga4-event="apply_now" data-tracker-id="default_0_2" data-tracker-type="button" data-tracker_ei="default_0_2" target="_blank">Get a quote</a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="column"> <div class="column-module bottom-divider no-vertical-divider">  <div class="column-combo standard-spacing one-column ">  <div class="header-section"> <h2>Pet insurance waiting periods </h2> </div> <div class="content-section"> <ul class="item-section"> <li class="item"> <div class="item-inner"> <ul> <li>Illness: 30 days</li> <li>Cruciate ligament conditions: Six months</li> <li>Specified accidental injuries: 0 days</li> <li>Booster Care (if selected): 30 days for specialised therapies, six months for specified dental conditions</li> </ul> <p>Please note: The table above provides a summary of your cover only. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply. Booster Care limit may apply (where applicable). Read the<a> </a><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">PDS</a> for more information.</p> </div> </li> </ul> </div> </div> </div> </div> </div> </div></div> <div class="group-module"><div id="optional"> <div class="group"> <div class="how-to"> <div class="how-to-module bottom-divider" id="benefits"> <div class="column-combo standard-spacing two-column"> <div class="header-section"> <h2><a>Optional pet insurance benefits</a> </h2> <p><p>Customise your pet insurance policy with optional benefits.</p> </p> </div> <div class="content-section"> <div class="item "> <div class="image-section"> <img src="https://assets.commbank.com.au/is/image/commbank/pet-insurance-2?$W375_H200$&fmt=png-alpha&fit=crop&cropN=0,0.1,1,1" alt=" " aria-hidden="true"/> </div> <div class="item-inner"> <h3>Booster Care </h3> <div> <p><div>Add Booster Care cover to your policy and get cover, up to the annual Booster Care limit of $2000, for specified dental conditions, and specialised therapies.<sup><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="#terms">3</a><br /> <br /> </sup><b style="">Treatment of specified dental conditions included:</b></div> <ul> <li>Gingivitis</li> <li>Abscesses</li> <li>Removal of teeth where medically necessary due to dental disease arising from infection, retained deciduous teeth, cavities or fractured teeth</li> </ul> <p><b>Specialised therapies included:</b></p> <ul> <li>Acupuncture</li> <li>Chiropractic manipulation</li> <li>Hydrotherapy</li> <li>Physiotherapy</li> <li>Treatment of behavioural conditions diagnosed by a vet<b></b></li> <li>Consultations with a veterinary behavioural specialist for behavioural conditions<b></b></li> </ul> <p>For more information, refer to your <a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">PDS</a> and certificate of insurance.</p> </p> </div> </div> </div> <div class="item "> <div class="image-section"> <img src="https://assets.commbank.com.au/is/image/commbank/pet-insurance-3?$W375_H200$&fmt=png-alpha&fit=crop" alt=" " aria-hidden="true"/> </div> <div class="item-inner"> <h3>Routine Care (non-insurance benefit) </h3> <div> <p><p>Add Routine Care to your policy and receive a contribution towards routine and preventative items.</p> <p>The annual Routine Care limit is made up of three $50 benefits, which applies to specified routine care items listed on your certificate of insurance, such as desexing, vaccinations or health checks, teeth cleaning, heartworm preventative, prescription diets and more.</p> <p>For more information, refer to your <a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">PDS</a> and certificate of insurance. </p> </p> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> <div class="fifty-split"><div class="fifty-split-module standard-spacing bottom-divider alt" id="vet"> <div class="content-wrapper"> <h2>24/7 Live Vet support</h2> <div class=" item"> <p>For trusted vet advice and reassurance when you need it, access complimentary 24/7 vet support through the Pet Portal with Live Vet.<sup><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="#terms">1</a></sup></p> </div> <div class="bullet-to-tick item"> <ul> <li>Speak to a qualified Australian vet via chat or video call within minutes, anytime, anywhere</li> <li>Receive expert vet advice and triage on your pet’s condition, required treatment and what to do next</li> <li>Get help with managing your pet's wellbeing from nutrition to supplements and general pet health</li> </ul> <p> <a aria-label="Explore Live Vet" href="https://mypetpass.com.au/24-7-vet-telehealth/" class="button_secondary" data-fl-countingmethod="select" data-fl-event="select" data-tracker-type="button" data-tracker_ei="default_0_1" data-tracker-id="default_0_1" target="_blank">Explore Live Vet</a> </p> </div> <div class=" item"> <p>Already a pet insurance policyholder? <a data-tracker-type="richtext" dtmtracker="@@@@@@" href="https://petportal-cbainsurance.petsure.com.au" target="_blank">Access Live Vet</a>.</p> </div> </div> <div class="image-wrapper"> <div class="row image xlarge"> <img src="https://assets.commbank.com.au/is/image/commbank/pet-insurance-4?$W728_H696$&fmt=png-alpha&fit=crop" alt=" " aria-hidden="true" data-src="https://assets.commbank.com.au/is/image/commbank/pet-insurance-4?$W728_H696$&fmt=png-alpha&fit=crop"/> </div> </div> </div></div> <div class="group-module"><div id="claim"> <div class="group"> <div class="how-to"> <div class="how-to-module bottom-divider"> <div class="column-combo standard-spacing one-column"> <div class="header-section"> <h2>Claim at the vet in minutes </h2> </div> <div class="content-section"> <div class="item "> <div class="image-section"> <img src="/content/dam/commbank-assets/insurance/2023-11/gap-only-logo_howto.jpg" alt=" " aria-hidden="true"/> </div> <div class="item-inner"> <div> <p><p>When your pet is sick or injured, you can claim on the spot at the vet by making a GapOnly® pet insurance claim.<br /> <br /> You will only need to pay the gap on eligible claims – helping to reduce unexpected, up-front treatment costs and paperwork.<sup><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="#terms">2</a></sup></p> <p>GapOnly® is available at your choice of over <a href="https://gaponly.com.au/find-a-gaponly-vet/">1,000 participating vets</a> around Australia.</p> </p> </div> </div> </div> <div class="item "> <div class="item-inner"> <div> <p><ol class="large-disc"> <li>Ask your vet to submit a GapOnly<sup>®</sup> claim for your pet's treatment</li> <li>Your GapOnly<sup>®</sup> claim will be assessed while you wait. Most claims are processed in around six minutes</li> <li>Once your claim has been processed, just pay the gap (the difference between the vet’s invoice and your claim benefit)</li> </ol> <p>Not using <a href="https://gaponly.com.au/find-a-gaponly-vet/">GapOnly®</a>? You can also make a claim online or directly with your vet. Find out more about how to make a <a></a><a href="/insurance/pet-insurance/how-to-make-a-claim.html">pet insurance claim</a>.</p> </p> </div> </div> </div> </div> </div> </div> </div> <div class="cta"> <div class="cta-module standard-spacing bottom-divider top"> <h2>Ready to get a quote? Go to the PetSure website </h2> <div class="cta-wrapper"> <p> <a aria-label="Get a quote" href="https://cbainsurance.petsure.com.au" class="button_primary" data-fl-countingmethod="select" data-fl-event="select" data-tracker-product="FE130" data-tracker-locationid="bottom_CTA" data-ga4-event="apply_now" data-tracker-id="default_0_1" data-tracker-type="button" data-tracker_ei="default_0_1" target="_blank">Get a quote</a> </p> </div> </div> </div> </div> </div></div> <div class="accordion-container accordion panelcontainer"> <div id="faqs" class="cmp-accordion " data-cmp-is="accordion"> <div class="standard-spacing column-combo two-column"> <div class="header-section"> <h2>Pet insurance FAQs</h2> <p class="description"></p> </div> <div class="content-section"> <div class="accordion-section accordion-margin"> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="What-are-the-pet-insurance-waiting-periods?" type="button" data-tracker-type="button"> What are the pet insurance waiting periods? <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>For both Classic Cover and Plus Cover, the following waiting periods apply from the commencement date of the first policy period:</p> <ul> <li>Specified accidental injuries: None</li> <li>Illnesses: 30 days</li> <li>Cruciate ligament conditions: Six months</li> <li>Emergency boarding: None</li> </ul> <p>Booster Care cover has the following waiting periods:<br /> </p> <ul> <li>Specified dental conditions: Six months</li> <li>Specialised therapies: 30 days</li> </ul> <p>If your pet shows signs or symptoms during the waiting period for a condition that may or may not need treatment, the following will happen:<br /> </p> <ul> <li>your pet won’t be covered for any vet expenses incurred in relation to the condition; and</li> <li>the condition may be excluded from your cover in the future as a pre-existing condition<u>.</u></li> </ul> <p>For more information on waiting periods, refer to the <a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">PDS</a>.</p> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="I-have-more-than-one-dog-or-cat.-Can-they-be-covered-under-the-same-policy?" type="button" data-tracker-type="button"> I have more than one dog or cat. Can they be covered under the same policy? <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>Please note that each insured pet needs to have their own policy.</p> <p>There are a few questions you’ll be asked about your new family member, so it’s best if you go through this application process over the phone by calling <a data-tracker-type="richtext" dtmtracker="@@@@@@" href="tel:1300913575" target="_blank" style="background-color: rgb(255,255,255);">1300 913 575</a>. </p> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="Are-there-age-limits-for-pet-insurance?" type="button" data-tracker-type="button"> Are there age limits for pet insurance? <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>Your dog or cat must be older than eight weeks and younger than nine years at the time you first apply for pet insurance.</p> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="Does-pet-insurance-cover-desexing?" type="button" data-tracker-type="button"> Does pet insurance cover desexing? <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>If you have Routine Care (non-insurance benefit), PetSure will provide a contribution towards the cost(s) of any of the specified Routine Care items, which includes desexing, subject to the Routine Care limits.</p> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="Do-you-offer-pet-dental-insurance?" type="button" data-tracker-type="button"> Do you offer pet dental insurance? <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>Both Classic Cover and Plus Cover do not provide reimbursement for any cover related to dental conditions unless it is a traumatic tooth fracture under Specified Accidental Injury cover.</p> <p>You can add Booster Care cover to your policy and get cover for treatment of specified dental conditions like gingivitis, up to the Booster Care limit of $2,000.<sup><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="#terms">3</a></sup></p> <p><b>Treatment of specified dental conditions included:</b></p> <ul> <li>Gingivitis</li> <li>Abscesses</li> <li>Removal of teeth where medically necessary due to dental disease arising from infection, retained deciduous teeth, cavities or fractured teeth</li> </ul> <p>You can also receive a contribution for pet teeth cleaning if you add optional Routine Care (non-insurance benefit) to your policy (subject to the Routine Care limit). </p> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="What-is-my-pet-insurance-excess?" type="button" data-tracker-type="button"> What is my pet insurance excess? <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>An excess means an amount you contribute towards the cost of your claim(s), as shown on your certificate of insurance.</p> <p>The excess is calculated on a ‘per condition, per policy period’ basis. PetSure does this for each condition treated that is unrelated to any other condition during the same policy period.</p> <p>The excess will be deducted from your calculated claim benefits after PetSure applies any benefit percentage, benefit limit, sub-limit (if any) and Booster Care limit (where applicable) to your claimed amount.</p> <p>You can choose a $0 or $200 excess with Classic Cover or Plus Cover. </p> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="How-can-pet-insurance-help-me?" type="button" data-tracker-type="button"> How can pet insurance help me? <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>Medical treatment for your dog or cat can cost thousands, should they get injured or become sick.</p> <p>Pet insurance can help cover the costs of eligible veterinary expenses so you can focus on your pet's recovery.</p> <p>To help you understand whether this product is right for you, refer to the <a></a><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">PDS</a>.</p> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="What-doesn’t-pet-insurance-include?" type="button" data-tracker-type="button"> What doesn’t pet insurance include? <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>Pet insurance covers an extensive range of specified accidents and illnesses.</p> <p>There are some general exclusions such as pre-existing conditions, dental procedures (unless you have Booster Care), elective treatments and procedures, breeding or obstetrics and routine or preventative treatments (unless you have Routine Care (non-insurance benefit)).</p> <p>Refer to the <a></a><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">PDS</a> for a full list of what isn’t covered.</p> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="How-can-I-reduce-my-premium?" type="button" data-tracker-type="button"> How can I reduce my premium? <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>Pet insurance offers two cover options, Classic Cover and Plus Cover, with annual benefit limits of either $15,000 or $30,000 respectively. Each cover includes a choice of excess ($0 or $200) and benefit percentage (70%, 80% or 90%) to help meet your needs.<sup><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="#terms">4</a></sup></p> <p>Your premium is impacted by the excess or benefit percentage you choose. For example, a higher excess and a lower benefit percentage will have a lower premium but higher out of pocket costs at claim time. Conversely, a lower excess and a higher benefit percentage will have a higher premium but lower out of pocket costs at claim time.<sup><a data-tracker-type="richtext" dtmtracker="@@@@@@" href="#terms">4</a></sup></p> <p>Please note there are other factors used to calculate your premium. Please consider the <a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">PDS</a> for more information. </p> </div> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item"> <h3 class="cmp-accordion__header"> <button class="cmp-accordion__button accordion-header accordion-header--clickable" data-cmp-hook-accordion="button" data-tracker-locationid="Will-my-premium-increase-every-year? -" type="button" data-tracker-type="button"> Will my premium increase every year?  <span class="icon-wrapper chevron-close hc-icon-arrow-up"> </span> <span class="icon-wrapper chevron-open icon-arrow-down"> </span> </button> </h3> <div data-cmp-hook-accordion="panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region"><div class="accordion-item"> <div> <p>Yes, your premium will generally increase each year. </p> <p>Just like humans, the older our pets get, the more likely they are to have health hiccups. Cats and dogs age faster than humans do, which means that their veterinary treatment costs typically go up rapidly each year too. As a result, the cost of insuring your pet will increase as your pet ages. </p> <p>Also, the overall cost of medical treatment for pets has increased in recent years, due to the increased availability of medical treatments and technology-enabled services and ongoing demand for these services. The treatment options and advancements in technology are providing us with great opportunities to give our pets a great quality of life for longer. </p> <p>While this is great news for the care of our pets, these treatments come at a significant cost. Year-on-year treatment costs increase, and this is factored into the cost of pet insurance. </p> <p>Refer to the <a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">PDS</a> for more information about calculation of premiums.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> <script type="text/javascript"> var mboxId = mboxName = 'CB\u002DINS\u002DPI\u002DCONTENT'; var mboxLocation = 'CB\u002DINS\u002DPI\u002DCONTENT'; var wcmMode = 'DISABLED'; var includeResolvedSegments = false; var accurateTargeting = false; // register the default content path in the "defaults" map CQ_Analytics.TestTarget.defaults[mboxName] = "\/content\/commbank\u002Dneo\/insurance\/pet\u002Dinsurance\/_jcr_content\/content\/group_module_318480037\/default.html"; if (typeof mboxDefine == 'function' && wcmMode !== 'ANALYTICS') { var callParameters = [ mboxId ]; var callFunction; var replaced = false; callFunction = mboxCreate; if (callFunction == mboxDefine) { // if the campaign store is available at this time we are most likely simulating // so trigger an update if the (auto) campaign is selected if (window.ClientContext !== undefined) { var campaignStore = ClientContext.get("campaign"); if (campaignStore && !campaignStore.isCampaignSelected() && wcmMode !== 'DISABLED') { CQ_Analytics.TestTarget.triggerUpdate(); } } else { // if we don't have CC then trigger the update directly CQ_Analytics.TestTarget.triggerUpdate(); } // wait for 2 seconds for the T&T answer to come in to prevent page flicker issues // also see the overlay of mbox.protoype.setOffer which completes this CQ_Analytics.TestTarget.ignoreLateMboxArrival(mboxId, mboxName, 5000); } else { var staticParameters = {}; for ( var key in staticParameters ) { callParameters.push(key + '=' + staticParameters[key]); } callFunction.apply(undefined, callParameters); } } </script> </div> </div> </div> <div class="container no-color lower-section-container"> <div> <div class="help"> <div class="we-can-help-module standard-spacing bottom-divider "> <h2>Need help? </h2> <ul class="items-3"> <li> <a title="For general enquiries" href="mailto:cba@petsure.com.au" data-tracker-type="help" data-tracker_ei="default_0_1" data-tracker-id="default_0_1"> <img alt=" " src="/content/dam/commbank-assets/pictograms/pictograms_smartphone.png" aria-hidden="true"/> <div class="content"> <h3>For general enquiries</h3> <p>Call 1300 913 575 Monday-Friday, 8am-8pm (Syd/Melb time) or email cba@petsure.com.au</p> </div> </a> </li> <li> <a title="Make a claim" href="/insurance/pet-insurance/how-to-make-a-claim.html" data-tracker-type="help" data-tracker_ei="default_0_2" data-tracker-id="default_0_2"> <img alt=" " src="/content/dam/commbank-assets/pictograms/pictogram_multiple_documents.svg" aria-hidden="true"/> <div class="content"> <h3>Make a claim</h3> <p>Learn how to make a claim at the vet or online</p> </div> </a> </li> <li> <a title="Financial difficulty?" href="mailto:help@petsure.com.au" data-tracker-type="help" data-tracker_ei="default_0_3" data-tracker-id="default_0_3"> <img alt=" " src="/content/dam/commbank-assets/pictograms/pictograms_desktop64.svg" aria-hidden="true"/> <div class="content"> <h3>Financial difficulty?</h3> <p>Email help@petsure.com.au</p> </div> </a> </li> </ul> </div> </div> <div class="target parbase"> <div id="CB-INS-PI-TANDC" class="mboxDefault"> <div class="default column"> <div class="column-module no-vertical-divider" id="terms">  <div class="column-combo standard-spacing one-column ">  <div class="header-section"> <h2>Things you should know </h2> </div> <div class="content-section"> <ul class="item-section"> <li class="item"> <div class="item-inner"> <p>*Offer commences on 5 December 2023 and ends on 30 June 2025 at 11.59pm AEST (Offer Period).</p> <p>Offer provides new customers with two months' free in their first policy year only when they purchase a Pet Insurance policy distributed by the Commonwealth Bank of Australia (CBA) during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first two months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the third month of your policy. For annual payments, the two months' free will be deducted from your first policy year premium at the time of purchase.</p> <p>To redeem the Offer by phone, eligible customers must use the promo code CBA2MONTH at the time of purchasing the Pet Insurance policy distributed by CBA. Offer is automatically applied to online quotes at the time of purchasing the Pet Insurance policy. Customers can remove this Offer at the time of purchase.</p> <p>Offer will cease if you change your level of cover.</p> <p>Offer cannot be used in conjunction with any other offer.</p> <p>Eligibility criteria applies for Pet Insurance distributed by CBA, subject to the applicable Pet Insurance policy terms and conditions, including limits, exclusions and waiting periods (see <a data-tracker-type="richtext" dtmtracker="@@@@@@" href="/content/dam/commbank-assets/insurance/docs/pet-insurance-combined-fsg-pds.pdf" target="_blank">Product Disclosure Statement</a>).</p> <p>CBA reserves the right to withdraw, vary or extend this offer at any time, without notice.</p> <p><sup>1 </sup>Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at <a href="https://petportal-cbainsurance.petsure.com.au" data-tracker-type="richtext" dtmtracker="@@@@@@">https://petportal-cbainsurance.petsure.com.au</a></p> <p>myPetPass<sup>TM</sup> is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available to holders of active Pet Insurance policies distributed by CBA. myPetPass<sup>TM</sup> perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass<sup>TM</sup> perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPass<sup>TM</sup> through the offer or provision of perks, or that the myPetPass<sup>TM</sup> rewards programme or any myPetPass<sup>TM</sup> perks or features of myPetPass<sup>TM</sup> will continue to be available. Full Terms & Conditions available at <a href="https://mypetpass.com.au/terms/" target="_blank" data-tracker-type="richtext" dtmtracker="@@@@@@">mypetpass.com.au/terms</a>.</p> <p><sup>2 </sup>The gap is the difference between the vet’s invoice and the eligible claim benefit under your Pet Insurance policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. GapOnly® is available on eligible claims at participating vets with a pet insurance policy from a GapOnly® pet insurance partner. Please visit <a href="https://gaponly.com.au/" target="_blank" data-tracker-type="richtext" dtmtracker="@@@@@@">GapOnly®</a> to search for GapOnly® enabled vets.</p> <p><sup>3 </sup>Policy T&Cs, Booster Care limit, applicable benefit percentage, waiting periods and exclusions apply. Excess may apply.</p> <p><sup>4 </sup>Depending on your level of cover. Policy T&Cs, limits, exclusions and waiting periods apply. Sub-limits and excess may apply.</p> <p><a></a>Pet Insurance is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). PetSure is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of PetSure or the products PetSure offers and this insurance product does not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a pet insurance policy, CBA is paid a commission. This information has been prepared without considering your objectives, financial situation or needs. You should, before acting on this, consider the appropriateness of the product to your circumstances. A Combined Financial Services Guide and Product Disclosure Statement is available by downloading it from commbank.com.au, or by calling 1300 913 575, and should be considered before purchasing, or choosing to continue with the product. PetSure has prepared a Target Market Determination (TMD) which describes the class of consumers that comprise the target market for this product. The TMD is available at <a href="/insurance/brochures-forms.html" data-tracker-type="richtext" dtmtracker="@@@@@@">https://www.commbank.com.au/insurance/brochures-forms</a>. To find out how PetSure manages your personal information, please refer to <a href="https://petsure.com.au/privacy-policy" target="_blank" data-tracker-type="richtext" dtmtracker="@@@@@@">PetSure’s Privacy Policy</a>.</p> </div> </li> </ul> </div> </div> </div> </div> </div> <script type="text/javascript"> var mboxId = mboxName = 'CB\u002DINS\u002DPI\u002DTANDC'; var mboxLocation = 'CB\u002DINS\u002DPI\u002DTANDC'; var wcmMode = 'DISABLED'; var includeResolvedSegments = false; var accurateTargeting = false; // register the default content path in the "defaults" map CQ_Analytics.TestTarget.defaults[mboxName] = "\/content\/commbank\u002Dneo\/insurance\/pet\u002Dinsurance\/_jcr_content\/lower\u002Dsection\/column\/default.html"; if (typeof mboxDefine == 'function' && wcmMode !== 'ANALYTICS') { var callParameters = [ mboxId ]; var callFunction; var replaced = false; callFunction = mboxCreate; if (callFunction == mboxDefine) { // if the campaign store is available at this time we are most 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