PetsOnMe Pet Insurance Discount Code June 2026

About PetsOnMe Pet Insurance

PetsOnMe Pet Insurance is an Australian-owned provider offering award-winning coverage for dogs and cats, starting from just $9.31 per month. Founded by pet enthusiast Alex Bedwani in 2007 as a pet care marketplace called FindADogMinder, the company rebranded to PetsOnMe in 2012 to include all pets and launched its insurance arm in 2021 in response to community needs for reliable, compassionate protection against rising vet bills. With three flexible plans—Accidental, Classic, and Deluxe—offering up to $20,000 annual benefits and 80% reimbursement on eligible costs, PetsOnMe emphasizes fast claims (95% paid next business day), no lock-ins, and freedom to visit any vet. Trusted by over 52,000 pet parents with a 4.6-star rating, they've won awards like Canstar's Outstanding Value Pet Insurance.

Common Questions About PetsOnMe Pet Insurance

Which plan is best for my pet?

PetsOnMe offers three plans to suit different needs. The Deluxe and Classic plans provide coverage for both accidents and illnesses, with the Deluxe including dental illness up to $500 and a higher $3,800 limit for hereditary conditions. If you're only seeking accident protection, the affordable Accidental Plan with a $5,000 limit is ideal. Compare them to find the best fit for your pet's age, breed, and health.

What does PetsOnMe insurance cover and not cover?

Their plans cover veterinary expenses for accidental injuries, illnesses, hereditary conditions (after waiting periods), prescribed medications, surgeries, and more. Exclusions include pre-existing conditions, routine check-ups, elective procedures, and breeding-related costs. Third-party liability is included for damages caused by your pet. Check the dog or cat insurance pages for detailed lists of inclusions and exclusions.

Are specialist veterinarian costs covered?

Yes, specialist treatments are covered if your regular vet refers your pet. This ensures access to advanced care for complex issues without extra hassle.

Is dental care covered?

Dental illness is covered under the Deluxe Plan with a $500 annual limit after a 180-day waiting period. Accidents causing dental issues may be covered in other plans, but routine cleanings aren't included.

What are waiting periods?

Waiting periods start from your policy's inception: 0 days for accidents, 21 days for illnesses, poisoning, and foreign object ingestion; 180 days for hereditary conditions, cruciate ligament, patella luxation, dental illness, and third-party liability. These can be waived if switching from another insurer with 12 months of continuous cover.

Does pet insurance cover accidents?

Absolutely— all plans include accident coverage for injuries like car accidents, choking, or other unexpected incidents, helping with treatment costs after the policy starts.

Does your pet insurance cover illness?

The Classic and Deluxe plans cover illnesses, including those from hereditary conditions after waiting periods. This includes common issues like infections or skin conditions. The Accidental Plan focuses solely on injuries.

Do you cover tick paralysis?

Yes, all plans cover tick paralysis treatment after the waiting period, recognizing it's a common concern for Aussie pets. Regular prevention is still recommended.

Do you cover hereditary conditions?

Hereditary conditions are covered under Classic and Deluxe plans after 180 days and once your pet is over 2 years old, up to annual sub-limits stated in your policy.

What is a pre-existing condition?

A pre-existing condition is any health issue that occurred or showed symptoms before your policy started or during waiting periods. These aren't covered, but temporary, cured conditions unrelated to underlying issues may be eligible.

Do you offer discounts for multiple pets?

Yes, insuring two or more pets on the same policy gives a 5% multi-pet discount on the base premium, making it more affordable for multi-pet households.