Guide Dogs Pet Insurance

What Guide Dogs Pet Insurance does

Guide Dogs Pet Insurance is an Australian, direct-to-consumer pet insurance brand operating as a co-branded distribution arrangement between four parties: underwriting by The Hollard Insurance Company Pty Ltd, distribution and promotion by Greenstone Financial Services Pty Ltd, promotion as Authorised Representative by Royal Guide Dogs Australia, and administration (including claims processing and the GapOnly workflow) by PetSure (Australia) Pty Ltd. The brand offers three tiered subscription plans — Premium Care (up to $20,000 annual limit, 85% reimbursement, optional Routine Care add-on), Comprehensive Care ($15,000, 80%), and Basic Care ($15,000, 75%, available for pets aged 9+) — covering specified accidental injuries and illnesses for dogs and cats, plus a specialised Registered Guide Dog Insurance product with $1 million Third Party Liability cover. Pricing is subscription-based with monthly, fortnightly, or annual billing, varies by species/breed/age/coverage, and includes a 10% multi-pet discount.

The product platform leverages PetSure's GapOnly claims system, allowing participating vet clinics to lodge claims during visits with assessment in approximately 10 minutes and enabling policyholders to pay only the gap between the vet invoice and insurance benefit. Distribution runs through the self-service online quote portal (service.securequote.com.au), phone sales (13 63 00), and Facebook, supported by call-back and info-pack request features. A portion of premiums is directed toward Guide Dogs Australia's charitable mission of training and placing guide dogs for Australians with sight loss, which functions as the brand's core positioning rather than its core economics.

Economically, Guide Dogs Pet Insurance is a private, multi-party partnership rather than a venture-backed or PE-owned entity; premium volume accrues to the underwriter while the brand captures distribution economics. The brand is exclusively Australian, with no stated intent to expand internationally, and competes against other branded pet insurance products (Petplan, RSPCA, Bow Wow, etc.) primarily on social mission association and the embedded GapOnly experience rather than on price.

Name

Guide Dogs Pet Insurance

Legal name

Guide Dogs Pet Insurance (Trading Brand) – Issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473

Website

https://guidedogsinsurance.org.au

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Guide Dogs Pet Insurance is an Australian direct-to-consumer pet insurance brand offering tiered Premium, Comprehensive, and Basic Care plans for dogs, cats, and Registered Guide Dogs, underwritten by Hollard, administered by PetSure, and distributed via Greenstone, with a charitable tie to Guide Dogs Australia.

Ownership category

akta.pro rank

Product category

Pet Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), All Other Insurance Related Activities (524298)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Pet Insurance (FSAJAKAG)

akta.pro secondary industries

Accident & Supplemental (Non-Life) Insurance (FSAJAKAA), General Liability Insurance (FSAJAKAD)

Keywords

• Pet insurance
• Dog insurance
• Cat insurance
• Veterinary care coverage
• Animal insurance

Headquarters

HQ city

Castle Hill

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Marketing or Sales, Personnel, Technology or R&D, Others

Revenue model

1. Pet Insurance Premiums: Subscription-based pet insurance where customers pay recurring premiums (monthly, fortnightly, or annually) for coverage of vet bills, accidental injuries, and illnesses for their pets.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Guide Dogs Pet Insurance provides pet insurance plans for dogs and cats, offered in three tiers: Premium Care, Comprehensive Care, and Basic Care. The product is distributed by Greenstone Financial Services, underwritten by The Hollard Insurance Company, and administered by PetSure, with proceeds supporting Guide Dogs Australia.

Product overview

Guide Dogs Pet Insurance is a pet insurance provider offering three tiered insurance plans (Premium Care, Comprehensive Care, and Basic Care) for dogs, cats, and Registered Guide Dogs. The company operates as a charitable-linked insurance product where a portion of premiums supports Guide Dogs Australia. Premium Care is the top-tier plan with highest benefits ($20,000 annual limit, 85% reimbursement) and an optional Routine Care add-on for preventative treatments. Comprehensive Care and Basic Care offer progressively lower coverage levels. All plans provide lifetime cover, visit-any-vet flexibility across Australia, and cover specified accidental injuries and illnesses, with Basic Care specifically designed for pets aged 9 years and older.

Differentiator

Problem solved

Functional benefit

Brands

• Premium Care: Highest level of cover offering up to $20,000 annual benefit, 85% reimbursement, optional Routine Care, for pets aged 8 weeks to younger than 9 years.
• Comprehensive Care
• Basic Care

Products and services

• Premium Care Premium Care is the top-tier pet insurance plan from Guide Dogs Pet Insurance, offering the highest level of coverage among the three plans available. It is targeted at pet owners seeking the most comprehensive protection for their dogs or cats.
• Comprehensive Care Comprehensive Care is the middle-tier pet insurance plan from Guide Dogs Pet Insurance, providing a balanced level of coverage for dogs and cats. It is intended for pet owners seeking substantial protection without the top-tier premium.
• Basic Care Basic Care is the entry-level pet insurance plan from Guide Dogs Pet Insurance, offering foundational coverage for dogs and cats at a more accessible price point. It is designed for budget-conscious pet owners looking for essential protection.

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core.

• The Hollard Insurance Company Pty LtdcoreOthersThe Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 is the underwriter of Guide Dogs Pet Insurance. Part of the international Hollard Insurance Group serving 6.5 million policyholders worldwide.
• Greenstone Financial Services Pty LtdcoreChannel Partner/ Reseller/ DistributorGreenstone Financial Services Pty Ltd ABN 53 128 692 884, AFSL 343079 distributes and promotes Guide Dogs Pet Insurance. Located at 50 Norwest Blvd, Norwest NSW 2153.
• PetSure (Australia) Pty LtdcoreImplementation/ SI/ Consulting PartnerPetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 administers Guide Dogs Pet Insurance, including claims processing and GapOnly functionality. Leading Australian pet insurance underwriting manager and administrator.
• Royal Guide Dogs AustraliacoreGTM or Marketing PartnerRoyal Guide Dogs Australia ABN 99 008 427 423 is the Authorised Representative (AR No 1259160) and promotes Guide Dogs Pet Insurance. Located at 2–4 Thomas Street, Chatswood NSW 2067. The insurance supports Guide Dogs Australia with a portion of premiums funding vital services, training and placement of Guide Dogs for Australians with sight loss.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Trupanion: North American pet insurance leader with proprietary Vet Direct Pay model (functionally similar to GapOnly). Demonstrates the scalable global template for direct-to-vet claim processing that Guide Dogs Pet Insurance leverages via PetSure.
• Petplan UK: Established UK pet insurance brand and one of the most recognized pet insurance names globally. Comparable in tiered product structure and direct-to-consumer positioning; useful benchmark for brand-led pet insurance scaling.

Emerging players

• Knose Pet Insurance: Australian pet insurance startup offering subscription-based pet cover. Emerging competitor with a tech-forward proposition targeting the same Australian D2C segment as Guide Dogs Pet Insurance.
• Manypets Australia: UK-born pet insurance challenger expanding into Australia with digital-first, subscription-style policies. Targets a similar pet owner demographic with simplified product structures.

Others

• PetSure (Australia) Pty Ltd: Australia's leading pet insurance underwriting manager and administrator that already administers Guide Dogs Pet Insurance. Operates multiple competing white-label and branded pet insurance products, making it both a partner and an ecosystem peer.
• The Hollard Insurance Company Pty Ltd: Underwriter of Guide Dogs Pet Insurance and part of the international Hollard Insurance Group (6.5M global policyholders). Parent/partner relationship provides the underwriting capacity that enables Guide Dogs Pet Insurance to operate as a brand-only distribution entity.

Direct peers

• RSPCA Pet Insurance: Charity-affiliated Australian pet insurance brand supporting RSPCA's animal welfare mission. Closest analogue to Guide Dogs Pet Insurance given the shared cause-marketing positioning and similar Australian D2C distribution model.
• Pet Insurance Australia: Australian pet insurance provider offering dog and cat coverage with multiple plan tiers. Competes in the same direct-to-consumer channel with comparable accident and illness coverage.
• Bow Wow Meow Pet Insurance: Australian pet insurance brand offering accident, illness, and routine care plans for dogs and cats. Targets the same Australian pet owner segment with similar tiered product and online quote platform model.
• Petplan Australia: One of Australia's largest standalone pet insurance brands, offering accident, illness, and routine care coverage for dogs and cats. Direct head-to-head competitor to Guide Dogs Pet Insurance in the same Australian direct-to-consumer market with similar tiered product structures.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/GuideDogsInsurance
• LinkedInlinkedin.com/company/guide-dogs-pet-insurance

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Guide Dogs Pet Insurance