Welcome to Bondi Vet Pet Insurance, brought to you by Australia’s favourite pet TV show.
If we know one thing, it's that unbreakable bond between owners and their pets. And after eight seasons of Bondi Vet, we also know there are many health issues our furry friends can have throughout their lives.
That’s why we set up Bondi Vet Pet Insurance. We believe pets deserve the best possible care, and that owners should have the right support in paying for those unforeseen events.
Like buying a pet, holding pet insurance should be a lifetime commitment. Our broad range of cover options will help you find the right policy, allowing you to claim back up to 80% of eligible veterinary costs.
Use our free quote tool to start your journey with us today. We look forward to welcoming you to the Bondi Vet family.
How do I make a claim?
When you take up Bondi Vet Pet Insurance you can use your secure pet portal to make claims. It’s really easy; just upload a copy of your Vet’s tax invoice and consultation notes. For your first claim you will also need to attach a full veterinary history. If you have any questions, you can call a member of the Bondi Vet Pet Insurance customer service team.
Can I use my own vet?
Absolutely. You can use any Vet who is licensed to practice in Australia.
How much of my vet bill will be covered?
It all depends on the plan you chose. Bondi Vet Pet Insurance customers can receive up to 80% of the total cost of treatment for your dog or cat, up to the annual benefit limits. Please note there are exclusions and certain expenses may not be covered. For full details on policy exclusions, please refer to the Product Disclosure Statement.
Does my cover have an Excess?
Nope. Bondi Vet Pet Insurance policies have zero excess.
At what age can I start to insure my pet?
Good news! Your pets can be insured from 8 weeks of age. For our Comprehensive Cover, your pet must have joined before its 9th birthday. There is no upper age limit for our Medical Essentials Cover option.
Can I insure my other pets?
Sure thing. You can insure multiple cats and/or dogs as part of your Bondi Vet Pet Insurance policy. Each can have their own policy with an individual choice of cover. To activate a multi-pet policy, you will need to call into our Bondi Vet Pet Insurance Customer Service team who will be happy to sort that out for you.
Does Bondi Vet Pet Insurance insure pets other than cats and dogs?
At Bondi Vet we love all animals, but sadly at this stage we only offer insurance for dogs and cats.
What is covered under accidental injury?
An accidental injury is physical harm or injury arising from an accident, independent of any other cause including any Pre-existing Condition. For example: a motor vehicle incident that results in a bone fracture. You should check the Product Disclosure Statement for details of what’s covered.
What is covered under illness?
An illness is a sickness or disease which is not included under Accidental Injury cover. For example: kidney or liver disease, skin conditions and diabetes. Further details about what’s covered are in the Product Disclosure Statement or you can see a summary of our policy options here.
When can I make a claim?
Your policy commences at midnight on the day that your application is accepted by us. You may claim straight away for an accident occurring after the policy has started. You may claim for illness conditions that arise 30 days after the start of the policy.
It’s important to know that there is a 6-month waiting period that applies for cruciate ligament injuries and conditions irrespective of your cover level which may be waived on application by completing the "Cruciate Ligament Form". Check out the Product Disclosure Statement for more details on waiting periods.
What is not covered under Bondi Vet Pet Insurance policies?
There are a few exclusions you should be aware of including, but not limited to; pregnancy, elective procedures, grooming, behavioural problems, and pre-existing conditions that showed clinical signs before taking out the insurance or within the applicable waiting periods. Make sure you read your policy document carefully, and be sure to check out the Product Disclosure Statement for a list of General Exclusions.
How can I pay my premiums?
You have plenty of options here. You may pay your premiums annually by credit card or direct debit, or as monthly or fortnightly instalments. Please note, you may be charged a collection fee if you choose to pay your premium in instalments.
How do I renew my policy?
Good news! Your policy will automatically renew each year, on the terms contained in the renewal offer, unless you choose otherwise. We will deduct/charge the renewal premium from your nominated account/credit card unless you tell us not to. And don’t worry, we’ll send you a renewal notice each year advising you of the renewal date and any changes to your existing level of cover.
What happens if I want to make a complaint about my policy?
We want to make sure that we address your complaint and will try to resolve this as soon as possible. More information about our complaints process is available here.
How do you calculate my premium?
Your premium is calculated using a combination of factors about you and your pet. These factors can affect the premium amount up or down depending upon whether we believe it increases or decreases the risk to us, such as the cover you have chosen, the benefit percentage applicable to the cover you have chosen, where you and your pet permanently live, your age and the species, breed, gender of your pet, the current age of your pet, the age you first insured your pet, and other factors related to our cost of doing business.
Factors that are taken into consideration for renewal premium calculation include your pet’s age, breed, location, duration for which your pet has been insured, claims history, as well as data relating to the health of pets that are a similar age and breed. Each year we review premiums based on these factors to ensure we can accommodate the costs of possible treatment up to your annual benefit limit, in the event that your pet becomes injured or ill.
Will my premium increase every year?
Yes, your premium will increase each year. This is for two main reasons:
Reason #1: Just like humans, the older our pets get, the more likely they are to have health hiccups. Cats and dogs age faster than we do, which means that their likely veterinary treatment costs go up rapidly each year too. As a result, the cost of insuring your pet will also increase as they get older.
Reason #2: 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.
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.
Please see 'How do you calculate my premium' for more information about calculation of premiums.
Will my premium increase even if I don’t submit claims?
Every year, we review the cost of everyone’s insurance with regards to a combination of factors as well as claims inflation across all our insured pets. Increases in our claims costs due to increases in the range of available veterinary procedures, or due to an increased take-up of those services, impacts everyone’s premiums.
Your premium takes into account the average cost of care for pets like yours. To provide an example of this, a pet parent with a three-year-old French Bulldog will be affected by the trends we see in our data from hundreds of three-year-old French Bulldogs that we insure, as well as the specific claims history of their own pet.
Is my premium calculated the same way as my Private Health Insurance?
No. Pet insurance does not work like health insurance. Health insurance is ‘community rated’, which means that everyone pays the same premium for their health insurance regardless of their individual health status, age or claims history. This is not the case for pet insurance.
Health insurance providers are able to community rate health insurance because there are many other factors at play in the human health care system, such as Medicare and government rebates and subsidies, which is not the case with veterinary care and pet insurance.
Pet insurance claim reimbursements are paid for purely by the premiums received by those who insure their pets. In order for each person to pay a fair price for their pet insurance, premiums vary depending on your and your pet’s risk factors.