Pet Insurance Australia
Pet Insurance Australia is an Australian specialist pet insurer offering customisable accident-and-illness cover for dogs and cats, administered by PetSure and underwritten by Hollard, with GapOnly instant claims and 24/7 LiveVet support.
- Company typePrivate
- Founded2014
- HeadquartersCastle Hill, Australia
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Pet Insurance Australia does
Pet Insurance Australia is a specialist Australian pet insurance provider offering accident-and-illness cover exclusively for dogs and cats. The company operates under the Select & Protect policy platform, which presents a single product with customisable annual benefit limits ($15,000 / $25,000 / $35,000), reimbursement percentages (70% / 80% / 90%), and annual excess options ($0 / $100 / $300 / $600). Optional add-ons include Booster Care (up to $2,500 for specified dental conditions and specialised therapies) and Routine Care (up to $200 for preventative treatments). All policies are underwritten by The Hollard Insurance Company Pty Ltd and administered by PetSure (Australia) Pty Ltd, which provides the policy management portal, claims infrastructure, and the myPetPass customer rewards programme. The company serves Australian pet owners through a digital-first go-to-market anchored by an online quote engine at quote.petinsuranceaustralia.com.au, a customer portal, and a phone-based inside-sales contact centre operating extended hours. Differentiated features include the GapOnly on-the-spot claims integration at 1,000+ participating veterinary clinics, complimentary 24/7 Live Vet video/chat support, multi-pet discounts up to 15%, and promotional offers (e.g., 2 months free under code PIA202).
Revenue is generated through recurring pet insurance premiums on monthly instalments or annual lump sums, supplemented by subscription add-on revenue from Booster Care and Routine Care. Pricing is quote-based and varies by pet type, breed, age, location, and chosen cover parameters; premiums are not publicly disclosed. Customer acquisition combines a long-running content and SEO footprint (pet care blog archives dating to 2014, breed guides for 40+ dog and 10+ cat breeds) with paid search and remarketing through Google AdWords and Facebook, plus an active organic presence across Instagram, YouTube, LinkedIn, Twitter/X, and Pinterest. The brand has earned awards from ProductReview.com.au, Mozo, and Canstar and maintains a 4.7/5 Google rating across 471 verified reviews. The customer base is a long-tail of individual Australian pet parents, supported indirectly through a 'Friends of PIA' partner ecosystem that includes Pawssum mobile vets and the Companion Animal Rescue Awards sponsorship.
Pet Insurance Australia firmographics
Firmographics- Name
- Pet Insurance Australia
- Legal name
- Pet Insurance Australia Pty Ltd
- Website
- https://petinsuranceaustralia.com.au
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Pet Insurance Australia is an Australian specialist pet insurer offering customisable accident-and-illness cover for dogs and cats, administered by PetSure and underwritten by Hollard, with GapOnly instant claims and 24/7 LiveVet support.
- Ownership category
- akta.pro rank
Pet Insurance Australia industry classification
Industry- Product category
- Pet Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Pet Insurance (FSAJAKAG)
- akta.pro secondary industry
- Worksite Pet Insurance (FSAIAMAL)
Keywords
Where Pet Insurance Australia is headquartered
LocationHeadquarters
- HQ city
- Castle Hill
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Pet Insurance Australia business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Others
Revenue model
- Pet Insurance Premiums: Pet Insurance Australia earns premium revenue from policyholders who pay either monthly/fortnightly instalments or annual lump-sum premiums for their Select & Protect accident and illness pet insurance policies. Premium pricing is influenced by chosen benefit limits, benefit percentages, excess levels, pet type, breed, age, and location. Multi-pet discounts are available (5% second pet, 10% third pet, 15% fourth+ pet). The insurer is underwritten by The Hollard Insurance Company Pty Ltd and administered by PetSure (Australia) Pty Ltd.
- Optional Add-on: Booster Care: Optional add-on providing up to $2,500 annual benefit limit for specified dental conditions and specialised therapies (physiotherapy, acupuncture, chiropractic, hydrotherapy, behavioural consults). Offered as an upgrade to the base Select & Protect policy for an additional premium.
- Optional Add-on: Routine Care (Non-insurance Benefit): Optional non-insurance benefit providing up to $200 annual contribution towards preventative treatments such as vaccinations, flea/tick/worm control, microchipping, desexing, and health checks. Provided as an add-on to the insurance policy.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Select & Protect — 70% Benefit / $15,000 Annual Limit |
| Subscription | Monthly | Select & Protect — 80% Benefit / $25,000 Annual Limit |
| Subscription | Monthly | Select & Protect — 90% Benefit / $35,000 Annual Limit |
| Subscription | Monthly | Booster Care Add-on |
| Subscription | Monthly | Routine Care Add-on (Non-insurance) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels11 records
Pet Insurance Australia product offering
Product offeringCore offering
Pet Insurance Australia sells accident and illness pet insurance for dogs and cats through its Select & Protect policy, which is configurable across annual benefit limits ($15,000, $25,000, or $35,000), reimbursement percentages (70%, 80%, or 90%), and excess levels ($0, $100, $300, or $600). The policy is administered by PetSure (Australia) Pty Ltd and underwritten by The Hollard Insurance Company Pty Ltd, with integration to GapOnly on-the-spot claims at over 1,000 participating vets. Optional add-ons include Booster Care (dental and specialised therapies up to $2,500) and Routine Care ($200 preventative care allowance). Customers can purchase online via a digital quote engine or via phone sales.
Product overview
Pet Insurance Australia operates as a specialized pet insurance provider offering a unified product architecture centered on the Select & Protect policy. This core offering provides customizable accident and illness coverage for dogs and cats with flexible annual benefit limits ($15,000-$35,000), reimbursement percentages (70%-90%), and excess options ($0-$600). The company differentiates through integrated service features including GapOnly® for instant claims processing, LiveVet for 24/7 veterinary consultations, and myPetPass® rewards programme. Optional add-ons include Booster Care for dental and specialized therapies and Routine Care for preventative treatments.
Differentiator
Problem solved
Functional benefit
Brands
- Select & Protect: Pet Insurance Australia's newest and most competitive pet insurance policy offering flexible coverage with choice of annual benefit limits, benefit percentages, and excess options.
- Booster Care
- Routine Care
- myPetPass
Products and services
- Select & Protect Pet Insurance A standalone accident and illness pet insurance policy for dogs and cats offering customisable annual benefit limits ($15,000, $25,000, or $35,000), reimbursement percentages (70%, 80%, or 90%), and excess options ($0, $100, $300, or $600) with no sub-limits on eligible conditions or treatments. Underwritten by The Hollard Insurance Company and administered by PetSure.
- Dog Insurance Pet insurance coverage specifically configured for dogs, delivered through the Select & Protect policy platform with breed-specific underwriting and pricing considerations. Available via online quote and phone channels.
- Cat Insurance Pet insurance coverage specifically configured for cats, delivered through the Select & Protect policy platform with breed-specific underwriting and pricing considerations. Available via online quote and phone channels.
- Booster Care Add-On Optional add-on benefit that can be attached to a Select & Protect policy, providing up to $2,500 annual benefit limit toward specified dental conditions and specialised therapies including physiotherapy, acupuncture, chiropractic, hydrotherapy, and behavioural consultations. Sold for an additional monthly premium.
- Routine Care Add-On Optional non-insurance benefit add-on that attaches to a Select & Protect policy, providing up to $200 annual contribution toward preventative treatments such as vaccinations, flea/tick/worm control, microchipping, desexing, and health checks. Cannot be purchased standalone.
Quantifiable outcome
- Up to $35,000 annual benefit limit on eligible vet bills
- +4 more outcomes
Companies that use Pet Insurance Australia
Customer profileNamed customers6 records
Segments1 record
Ideal customer profiles1 record
Pet Insurance Australia technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
Pet Insurance Australia partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- GapOnly®coreGapOnly® is a claims technology integration that enables Pet Insurance Australia policyholders to claim on the spot at participating veterinary clinics, paying only the gap (difference between the vet invoice and the eligible insurance benefit) at the time of treatment. This eliminates the need for pet owners to pay the full vet bill upfront and wait for reimbursement. GapOnly is available at over 1,000 participating vets nationwide and is a featured benefit across all Select & Protect policies.
- PetSure (Australia) Pty LtdcorePetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 administers Pet Insurance Australia's insurance policies, including quote issuance, policy management, premium processing, claims administration, and operation of the customer portal and myPetPass rewards programme. PetSure provides the underlying technology infrastructure and operational backbone for all Pet Insurance Australia policies.
- The Hollard Insurance Company Pty LtdcoreThe Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 is the underwriter for Pet Insurance Australia pet insurance policies. Hollard provides the insurance capacity and is responsible for paying claims benefits. For renewals of policies first issued before 8 May 2023, Hollard jointly participates in the privacy collection notice alongside PetSure and Pet Insurance Australia.
- Pawssum Mobile VetsminorPawssum mobile vets provides at-home veterinary services across Australia and New Zealand, including sick pet consultations, vaccinations, vet video calls, and peaceful at-home euthanasia. Listed as a 'Friends of PIA' partner, Pawssum has treated over 60,000 pets at home and operates 7 days a week until late (after-hours). The partnership provides Pet Insurance Australia customers with convenient access to home vet services.
- Pet Insurance Australia Companion Animal Rescue AwardsminorPet Insurance Australia sponsors the Companion Animal Rescue Awards, Australia's first and only national awards programme celebrating achievements in rescue, sheltering, rehabilitation, and rehoming of companion animals. The awards are open to rescue groups, animal shelters, councils, pet adopters, foster carers, volunteers, and other organisations that help people keep pets in the community. This partnership reinforces Pet Insurance Australia's brand positioning as a pet lover-focused insurer.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Pet Insurance Australia competitors and assessment
Company assessmentDirect peers
- Bow Wow Meow Pet Insurance: Bow Wow Meow is an Australian pet insurance specialist competing head-to-head with PIA, offering accident-and-illness cover for dogs and cats via digital channels with similar customization and add-on architecture.
- RSPCA Pet Insurance: RSPCA-branded pet insurance is distributed in Australia via a partnership with a third-party administrator, targeting welfare-conscious pet parents — directly competing with PIA's pet-welfare positioning and rescue-adopter-friendly policy terms.
- Petplan Australia: Petplan is a leading Australian pet insurance provider offering accident, illness, and comprehensive cover for dogs and cats. It is one of PIA's closest direct competitors in the same product category and customer segment.
Broad incumbents
- Trupanion: Trupanion is a publicly listed North American pet insurance leader offering direct-to-vet billing comparable to PIA's GapOnly model, serving as a global benchmark for vet-clinic-integrated pet insurance economics.
- RACQ Pet Insurance: RACQ, a major Queensland-based motoring club, offers pet insurance as an extension of its general insurance and membership products in Australia, competing on trust and member benefits rather than specialist pet expertise.
- Woolworths Pet Insurance: Woolworths pet insurance is offered by a major Australian retailer via a partner insurer, leveraging supermarket distribution and loyalty footprint — a broad incumbent that competes on convenience and brand reach rather than specialist pet focus.
- Medibank Pet Insurance: Medibank, one of Australia's largest private health insurers, offers pet insurance as part of a broader insurance portfolio, leveraging cross-sell from its health member base against PIA's specialist offering.
- Budget Direct Pet Insurance: Budget Direct is a price-led Australian general insurer offering pet insurance alongside car and home cover, providing direct competitive pressure on PIA's pricing tier structure.
Emerging players
- ManyPets: ManyPets is a UK-born, multi-market digital pet insurer offering accident-and-illness cover online; while primarily UK-focused, it represents a comparable tech-led pet insurance model expanding internationally and competing for similar customer mindsets.
- Knose Pet Insurance: Knose is an Australian digital-first pet insurer focused on wellness/prevention-led cover, overlapping partially with PIA's Routine Care positioning but aimed at a more preventative, subscription-style customer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Pet Insurance Australia social profiles
Digital presencePet Insurance Australia financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pet Insurance Australia leadership team
Management profileNumber of profiles
Pet Insurance Australia funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pet Insurance Australia M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pet Insurance Australia
What does Pet Insurance Australia do?
Pet Insurance Australia sells accident and illness pet insurance for dogs and cats through its Select & Protect policy, which is configurable across annual benefit limits ($15,000, $25,000, or $35,000), reimbursement percentages (70%, 80%, or 90%), and excess levels ($0, $100, $300, or $600). The policy is administered by PetSure (Australia) Pty Ltd and underwritten by The Hollard Insurance Company Pty Ltd, with integration to GapOnly on-the-spot claims at over 1,000 participating vets. Optional add-ons include Booster Care (dental and specialised therapies up to $2,500) and Routine Care ($200 preventative care allowance). Customers can purchase online via a digital quote engine or via phone sales.
Is Pet Insurance Australia a public or private company?
Pet Insurance Australia is a private company. It is classified as unknown and is currently operating.
When was Pet Insurance Australia founded?
Pet Insurance Australia was founded in 2014. It employs 1 to 10 people.
Where is Pet Insurance Australia based?
Pet Insurance Australia is headquartered in Castle Hill, Australia, in the Oceania region.
How does Pet Insurance Australia make money?
Three revenue lines are on record. Pet Insurance Premiums are the primary driver. The others are optional Add-on: Booster Care and optional Add-on: Routine Care (Non-insurance Benefit).
Who are Pet Insurance Australia's main competitors?
Direct peers on record are Bow Wow Meow Pet Insurance, RSPCA Pet Insurance and Petplan Australia. Broad incumbents are Trupanion, RACQ Pet Insurance, Woolworths Pet Insurance, Medibank Pet Insurance and Budget Direct Pet Insurance. Emerging players are ManyPets and Knose Pet Insurance.
Does Pet Insurance Australia have an API?
No public API is recorded for Pet Insurance Australia.
What industry is Pet Insurance Australia in?
Pet Insurance Australia's product category is Pet Insurance. Its primary akta.pro industry code is FSAJAKAG, Pet Insurance, with a secondary code of FSAIAMAL, Worksite Pet Insurance. Its NAICS code is 524126 and its SIC code is 6331.