Pets On Me Pet Insurance Review: Features, Pros & Cons
Pets On Me is a decent choice for Australians looking for pet insurance, especially those not wanting to commit to one policy long-term, as the Deluxe Plan can be taken out on a month-to-month basis. It provides policyholders with three choices of excess and includes dental at no extra cost. There is a healthy $20,000 annual limit and coverage for hereditary conditions. However, there is no GapOnly service, which means policyholders must pay for the service upfront and claim later.
Pros and Cons
Pros:
- Month-to-month plan available
- Includes dental coverage
- Choice of excess ($100, $200, or $300)
Cons:
- No GapOnly payment option
- Routine care not included
- No cover for older pets (over 9 years)
About Pets On Me Pet Insurance
Pets On Me is an Australian pet services and insurance company established in New South Wales in 2007. The company serves over 52,000 pet owners and has won numerous awards. They offer three levels of cover: Accident Plan, Classic Plan, and Deluxe Plan. This review focuses on the Deluxe Plan due to its comprehensive coverage.
What’s Covered in the Pets On Me Deluxe Plan?
The Deluxe Plan offers an 80% reimbursement rate for veterinary bills with a maximum annual limit of $20,000. It doesn’t include routine care but offers a wellness add-on for services like vaccinations and microchipping. Dental coverage is included with a $500 annual limit after a six-month waiting period.
Key Features
- Excess Options: Customers can choose from $100, $200, or $300 excess.
- Waiting Periods: Varying waiting periods apply depending on the condition (e.g., 21 days for illness, 90 days for hereditary conditions).
- Alternative Therapies: Covered for diagnosed eligible conditions.
- Older Pets: Not covered if over 9 years old.
Discounts and Bonuses
Currently, there are no discounts for multi-pet policies or promotional codes. However, customers can get a discount for choosing an annual policy over month-to-month payments.
Conclusion
Pets On Me’s Deluxe Plan is suitable for pet owners seeking flexible, comprehensive coverage. While it lacks certain features like GapOnly payments and coverage for older pets, its month-to-month option and included dental coverage are significant advantages. Potential customers should weigh these factors based on their individual needs.
