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Routine Care Options
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$25,000 Annual Policy Limit
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80%* Back on Eligible Vet Bills
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Tick Paralysis
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Bilateral Conditions
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Orthopaedic Cover
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Accidental Injury and Illness Cover
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Your Choice of Vet
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Cruciate Ligament Conditions
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Snake Attacks
Compare all benefits, features and claim limits
Terms, conditions, limits and exclusions apply. For full details, please read the Product Disclosure Statement (PDS).
*80% of eligible vet expenses, less any applicable excess and subject to policy limits (terms, conditions and exclusions apply).
Benefits Included in Plus Pet Insurance
With our $25,000 annual benefit limit, you can make multiple Pet Insurance claims up to an overall limit, depending on your level of cover.
Subject to limits and sub-limits.
We offer orthopaedic cover for conditions of your pet's bones, muscles, cartilage, tendons, joints and ligaments.
This includes hip dysplasia, intervertebral disc disease, patella luxation and elbow dysplasia.
Orthopaedic conditions are subject to a $25,000 policy limit.
We'll reimburse up to a $3,500 policy limit per year for cruciate ligament conditions, including related conditions that might arise later.
Cruciate ligament conditions are subject to a 6-month waiting period.
You'll be eligible for partial reimbursement of vet bills to treat a disease, sickness or infection and help your dog or cat feel like themselves again.
Illnesses are subject to a 30-day waiting period.
Pet owners might want to think about certain wildlife scenarios when considering pet insurance in Australia.
Snake attacks are subject to a $3,000 policy limit.
We offer two levels of optional Routine Care cover if you choose Plus Pet Insurance policy. With this, you can claim eligible expenses for routine pet care, including vaccinations and dental check-ups.
Routine Care claims have no waiting periods or excess. But limits apply in addition to your overall annual benefit limit.
If your pet gets physically harmed or injured in an accident, we'll partially reimburse* your pet’s eligible vet bills to get them back on their feet.
Accidental injuries are subject to a 2-day waiting period.
If your furry family members get sick or injured, ensure their veterinary treatments are handled by a vet you know and trust.
We'll provide benefits for your pet if they get bitten by a paralysis tick.
Pet parents must follow regular and ongoing tick paralysis preventative treatments as recommended by a vet to make eligible claims.
Tick paralysis is subject to a 30-day waiting period and a $3,000 policy limit.
We'll provide benefits for your pet for bilateral conditions, or conditions that can happen on both sides of your pet's body. These could include conditions affecting the eyes or legs.
We consider any bilateral condition as a single condition. If we cover your eligible vet bills for a condition on one side of your pet's body, we'll do the same for the condition on the other side.
* 80% of eligible vet expenses, less any applicable excess and subject to policy limits (terms, conditions and exclusions apply).
Get a Quote Online and Save 15%^
If you get a quote and buy a new Pet Insurance policy online, we'll give you a 15%^ discount on your first year's premium.
What's covered by Plus Pet Insurance?
When the unexpected happens, Budget Direct can help you cover the costs so you can worry more about your pet and less about the vet bills. We’ll cover majority* of the costs for accidental injuries or illnesses such as:
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Vet expenses
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Routine Care (optional extra)
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Orthopaedic conditions
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Cruciate ligament conditions
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Tick paralysis
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Snake attacks
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Bilateral conditions (if eligible for cover)
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Accidental injuries
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Illnesses (excluding pandemic or epidemic illnesses)
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Guide dogs and assistance animals
What's not covered by Plus Pet Insurance?
Not all circumstances are covered by Budget Direct’s Plus Pet Insurance. The issues and complications that are not covered in this policy include:
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Pre-existing conditions
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Dangerous dogs declared by an authorised council officer or a local court
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Behavioural conditions
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Brachycephalic conditions (if evident during the first 12 months of the pet’s life)
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Complications from not desexing or other excluded conditions
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Parasites
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Undiagnosed conditions or inconclusive diagnoses
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Unvaccinated pets
Terms, conditions, limits and exclusions apply. Please read the Product Disclosure Statement (PDS) for full details on what's covered by Budget Direct Pet Insurance.
* 80% of eligible vet expenses, less any applicable excess and subject to policy limits (terms, conditions and exclusions apply).
Plus Pet Insurance FAQs
Yes, you will pay your selected 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 diabetes treatment 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 claimed (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 (in other words, the next time you make a claim for a related illness or injury, you’ll be required to pay the excess).
Yes, our Routine Care add-on options offered with our Plus and Comprehensive Pet Insurance policies can contribute towards:
Health checks
Vaccinations
Dental check-ups and/or scale and polish
Flea, tick and worming treatments
Blood or urine testing (not in relation to an accidental injury or illness)
Alternative or complementary therapy like acupuncture (not in relation to an accidental injury or illness)
Some veterinary practice networks offer ‘wellness plans’ that can complement your pet’s insurance.
