Pet insurance solved with Budget Direct
Accidents and illnesses
Budget Direct Pet Insurance covers both illnesses and accidental injuries.
Claim money back
Cover for up to 80% of the cost of eligible vet expenses.
Choice of vet
Take your pet to any qualified and registered vet in Australia.
Insure more than one dog or cat at the same time and receive a 5% discount for each of them.§
Enjoy a fast, stress-free claims service from a team of pet insurance experts.
Terms, conditions, limits and exclusions apply. For full details, please read the Product Disclosure Statement (PDS).
Is pet insurance worth it?
Most of us can appreciate the financial impact of our car getting written off or our home being damaged in a storm. It’s less clear when it comes to our pets getting sick or injured.
This interactive tool gives you an insight into the cost of some veterinarian treatments — and how much Budget Direct can pay for your claim:
The vet treated my for which cost $X,XXX~
Fortunately, I had Budget Direct Pet Insurance.
My excess was $100 and Budget Direct reimbursed 80% of the bill.
I paid $X,XXX and Budget Direct paid $X,XXX.
~ Amounts shown are based on actual veterinarian bills for a domestic short-haired cat and a medium sized dog (e.g Jack Russell Terrier) and on the basis that any limits or sub-limits have not yet been met during the period of cover. The size of these bills varies between vets.
Find out more
The information on this page is a summary only. For all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement.
Frequently asked questions
Does pet insurance cover pre-existing conditions?
Budget Direct Pet Insurance does not cover pre-existing conditions.
A pre-existing condition is any illness or injury that your pet showed any signs or symptoms of:
- before your policy started
- during any applicable waiting period.
We do however cover pre-existing conditions that have been fully cured. Fully cured means:
- Your pet has been free of symptoms for at least 12 months; and
- You can provide evidence, such as your pet’s medical notes or veterinary history.
Is there a waiting period for pet insurance?
Yes – after buying Budget Direct Pet Insurance for the first time, policyholders must serve a waiting period before they’re allowed to make certain types of claims.
The waiting periods — also known as no-claim periods — are as follows:
- Accidental injury: 2 days
- Illness: 30 days
- Tick paralysis: 30 days
- Cruciate ligament conditions: 6 months.
Any condition that occurs during the applicable waiting period will be considered a pre-existing condition.
Policyholders do not have to serve any waiting periods after their pet’s policy renews.
Are there any limits to how much I can claim?
Yes — you can claim up to a maximum of $12,000 per 12-month period of cover for all your eligible vet bills.
Annual benefit sub-limits apply to certain conditions, namely:
- Orthopaedic conditions: $4,000
- Cruciate ligament conditions: $2,600
- Tick paralysis: $1,500
- Snake attacks: $1,200.
These limits are shown on your insurance certificate.
Each time you renew your annual policy, the overall limit and sub-limits will be reset. (They do not accumulate across policy periods.)
If I make a claim, will I have to pay an excess?
Yes — you will pay a $100 excess once for each unrelated condition during any one period of cover. For further treatments for a related condition during the same period of cover there is no excess.
For example, if your dog needs treatment for diabetes twice during the 12-month policy period, you’ll be required to pay the excess for the first claim for that condition, but not the second.
Similarly, if your dog develops a condition that’s related to one you’ve already made a claim for (e.g. diabetic retinopathy stemming from diabetes), you won’t have to pay another excess.
Each time you renew your annual policy, the excess will be reset (i.e. the next time you make a claim for a related illness or injury, you’ll be required to pay the excess).
What is not covered by pet insurance?
There are certain things Budget Direct Pet Insurance does not cover (called ‘exclusions’).
The following list shows some of these exclusions:
- pre-existing conditions
- routine or preventative care
- dental treatments (unless the condition is due to an accidental injury)
- breeding and obstetrics
- elective treatment (including cosmetic surgery)
- working dogs ; we do insure assistance dogs, such as guide dogs
- treatment during the waiting period.
For the full list of exclusions, please read the Product Disclosure Statement.