Increasingly, pet parents are buying pet insurance for their cats and dogs. Not only can pet insurance give you the affordability of life-saving surgeries and advanced cancer care, but dog and cat insurance gives you financial support when you need it most, saving you thousands on out-of-pocket payouts!

Pets On Me is another popular pet insurance company for cats and dogs that offers puppies and kittens under a year, two months of free pet insurance. This multi-award winning pet insurance provides comprehensive coverage for pets in Australia with up to a $20,000 annual benefit. You can choose an excess of $100, $200 or $300.

This is one of our favorite cat and dog pet insurance companies because it offers much-needed dental coverage under its Deluxe Plan. Pet insurance for cats and dogs can be beneficial to pet parents in that it can help with the veterinary costs for hereditary conditions, cruciate ligament conditions, usually after 6 months, and even radiology, pathology, and alternative therapies. 

Dental Coverage for Cats and Dogs

Not only does pet insurance help with accident and illness coverage, but some cat and dog insurance plans, like Pets On Me, also cover pet dental care with their Deluxe Plan. Their dental plan includes coverage for the following:

• Abscesses
• Gingivitis
• Tooth removal when it’s medically required 
• Tooth removal
• Cavities
• Tooth fracture
• Dental disease as a result of fracture
• Retained deciduous teeth

Who is Pets On Me Pet Insurance?

Pets on Me is a popular cat and dog pet insurance in Australia, featuring a generous yearly benefit of $20,000. The Deluxe Pet Wellness Plan offers top-tier coverage with select dental care, which is essential because dental disease has effects on the body. 

” Dental conditions should be addressed as early as possible to minimize the risk of worsening and spreading to the rest of the body. There are two components to dental care: home care and veterinary dental care,” explains VCA Animal Hospital.

CEO Alex Bedwani founded Pets on Me in 2005, and in 2007, Find a Dog Minder was born. In 2017, the Pets On Me new platform launched. By 2021, Pets On Me pet insurance for cats and dogs was launched. Their website says that this was driven by their desire to ensure that every pet, regardless of shape or size, could benefit from their unique approach to care. Pets On Me has been awarded the following:

• Canstar’s Outstanding Value Pet Insurance Award: 2023
• Mozo’s Exceptional Value Accident and Illness Pet Insurance Award: 2023
• Canstar’s Outstanding Value Pet Insurance Award: 2022

Pets On Me 3 Pet Insurance

With all three plans, you can cancel any time, pay monthly premiums, and enjoy super-fast claims. If you pay your premiums yearly, you get a 5% discount. All three plans are available for puppies and kittens from 8 weeks. Nonetheless, there is no coverage for reptiles, birds, or exotic pets.

The takeaway with Pets On Me is their Deluxe Plan, which features a generous $3,800 toward hereditary coverage, with dental illness benefits and up to 80% coverage of eligible vet claims. Pets on Me has three plans: Accidental, Classic, and Deluxe. 

The takeaway with hereditary coverage is that hereditary conditions in cats and dogs are not covered for the first 180 days after the start of your coverage and before your pet’s second birthday.

Deluxe Plan ( Top Tier Plan)

This is Pets on Me’s top-tier plan, featuring a premium level of coverage for cats and dogs. We like this pet insurance plan because the Deluxe plan can be taken out monthly and includes a maximum annual benefit limit of $20,000.It offers dental coverage but with a cap of $500 annually and a generous $3,800 annually for hereditary conditions. The waiting period for dental illness is 180 days.

• Claim up to $20,000 in annual benefits
• Up to 80% of eligible vet bills reimbursed in Accident and Illness Cover
• Coverage from 6 weeks to years of age to under 9 years of age
• Month-month coverage with no lock-ins
• 21 days waiting period for illness, poisoning, intervertebral disc disease
• No discounts for multi-pet households
• Wellness add-on that covers some routine care services like vaccinations and microchipping.
• 2 months free for puppies and kittens under a year
• Ability to upgrade or downsize at any time
• You get a 5% discount for paying annually upfront and a further 5% off if you enroll a few pets on your policy.
• No alternative therapies or behavioral therapy covered

Classic Plan (Middle-Level Cover)

The Classic Plan from Pets On Me offers comprehensive coverage with a $10,000 annual limit. This includes coverage for vet costs, both accident and illness-related, and coverage for hereditary conditions at $2,300.Prescribed pet meds are included with all three plans, and you get a 12% discount with pet walking or pet sitting services with any of the plans.

• Claim up to $10,000 in annual benefits
• Offers coverage for hip dysplasia, luxating patella, and intervertebral disc disease
• $2,300 for hereditary conditions
• No dental coverage
• No sub-limit on consult fees

Accidental Plan ( Most Affordable Plan)

The Pets On Me Accidental plan features a $5000 annual benefit limit and is the most affordable pet health plan available. It covers emergency care for a range of accidental injuries, including broken bones and dog bite wounds.

• Claim up to $5,000 in annual benefits. 
• Up to 80% of eligible vet bills reimbursed in Accident and Illness Cover
• Accident & Illness cover
• Hereditary conditions cover
• Includes coverage for hip dysplasia, luxating patella, and intervertebral disc disease
• Cruciate ligament conditions covered
• Other benefits include tick paralysis treatment and pathology radiology, alternative therapies, and operating theatre costs.
• Coverage from 6 weeks to years of age to under 9 years of age

What To Consider

Pet insurance is a health policy for cats, dogs, and sometimes reptiles, birds, horses, and small mammals. It covers veterinary and occasionally other costs like emergency boarding, dental, and holistic therapies.

When choosing pet insurance, consider whether you need a comprehensive policy, which usually covers accidents and injuries, including severe or chronic illness, hereditary conditions, diagnostic tests, surgeries, treatments, and wellness, such as routine veterinary checkups and vaccinations. 

Suppose you want cat and dog insurance for accidents and illnesses. In that case, Accident and Illness coverage covers vet bills for accidents (like an ACL rupture) and diseases, including common infections, hereditary conditions, and serious illnesses. 

Sometimes, pet insurance also offers coverage for alternative therapies and behavioral issues. You need to find the coverage that works for your pet and your finances. Work together with your veterinarian to see which pet insurance plans score the highest for maximum potential savings but also give you the coverage that you need.

Frequently Asked Questions

1. What is a Pet Wellness Plan?

A pet wellness plan is an add-on routine care plan you purchase and add to your pet insurance. Pet Wellness plans cover routine wellness expenses like vaccinations, tick and heartworm prevention, and wellness exams and can be added to Accident & Illness plans but not accident-only policies. Coverage includes:

• Routine anal gland expression
• Feline leukemia virus (FeLV) test
• Microchipping
• Regular check-ups
• Urinalysis
• Spaying and neutering
  

2. What’s Not Covered?

Each pet insurance policy is tailored to meet the different needs of pet parents. Here are a few things that are not covered.

• Behavioral problems
• Experimental or investigational treatments
•  Special diets, pet foods, dietary or nutritional supplements
• Elective/preventative procedures or cosmetic surgeries
• Breeding & pregnancy
•  Permanent pre-existing & congenital conditions
• Costs relating to statutory quarantine 
• Hereditary conditions for the first 180 days after beginning coverage with any plan and before your cat or dog’s 2nd birthday.

3. How Long is the Wait Period?

Pets on Me reimburses pet parents for veterinary costs if your pet is sick or injured. Nonetheless, there are wait periods which include:

• Illness, Poisoning, Intervertebral disc disease, Ingestion of a foreign object: 21 days
• Third-Party Liability: 180 days
• Cruciate Ligament(s) / Patella Luxation(s), and Hereditary Conditions: 180 days

Dental Illness: 180 days