Welcome to MiPet Insurance

MiPet Insurance covers dogs and cats, and you can apply from the time your pooch or puss is 8 weeks old up to 9 years old. After your dog or cat is accepted for cover, you can keep on protecting them for life with MiPet Insurance. If your pet is older, don’t worry. You can still take out MiPet Basic Cover at any age over 8 weeks, and there’s no upper age limit to apply.

All our policies cover your pet for a wide range of vet treatments and surgeries in case of accidental injury, including emergency visits, hospitalisation, lab tests, radiology, medicines and more. Your pet will also be covered for illnesses (except for any pre-existing conditions they had before you took out cover). If you choose MiPet Top Cover, you can also opt for Routine Care benefits you can use every year towards preventative care such as vaccinations, health checks, teeth cleaning, heartworm treatments, microchipping, and desexing.

With MiPet Basic Cover, you can claim back up to 70% of your vet bills up to $5,000 every year. With MiPet Vital Cover you can claim back up to 80 % of vet bills up to $ 11,000 every year and with MiPet Top Cover up to 85 % of your vet bills up to $12,000 every year when your dog or cat is treated for accidental injury or illness. With MiPet Top Cover you can also opt for Routine Care benefits every year toward the cost of services such as vaccinations, health checks, teeth cleaning, heartworm treatments, and even desexing. Certain expenses are not covered, and you’ll find details of these and all terms and conditions clearly spelled out in our Policy Booklet.

An accident means a physical or bodily injury that happens accidentally to your dog or cat from an external, violent and visible means, such as a broken bone, snake bite, or wounds caused in a dog or cat fight.

An illness means an unexpected sickness or disease, or any change to your dog or cat’s normal healthy state, such as an upset stomach, a skin condition or an ear infection, which is not caused by an accidental injury to your dog or cat. Illness is covered under MiPet Basic, Vital and Top Cover.

We do have a few exclusions just like all insurance policies, to make sure your premiums don’t break the bank. This means we don’t cover your pet for pregnancy, elective procedures, food and diets, grooming, behavioural problems, and pre-existing conditions that your pet had symptoms of or has been treated for before you took out your MiPet policy. Take a look at our Policy Booklet for details on our exclusions to see what’s what.

Yes, we love our pets and we encourage responsible pet ownership to keep them healthy and safe. So if you choose MiPet Top Cover, you can take out optional Routine Care . This will help cover the cost of services such as desexing your dog or cat, microchipping, annual vaccinations, heartworm medicine and other preventative care.

Absolutely. You can take your pet to any licensed vet in Australia, so you’re free to choose who you trust to look after your precious one.

You can apply any time after your puppy or kitten turns 8 weeks old up to just before their 9th birthday for MiPet Vital Cover and MiPet Top Cover. For MiPet Basic Cover, your pet is never too old to get cover, and you can apply any time from 8 weeks on.

Of course! Love lasts a lifetime and so does our cover, as long as you renew your dog or cat’s MiPet Insurance policy every year. We promise not to reduce your pet’s cover through the years either.

Fortunately yes, just as long as you keep on renewing your MiPet Insurance policy each year and don’t take a break in your cover, we’ll keep on covering your pet for any chronic, recurring or lifelong conditions such as cancer, arthritis or diabetes. Some of these conditions do have annual policy limits, and pre-existing conditions aren’t covered, so check out our Policy Booklet for more information.

Yes, as long as your dog or cat didn’t show symptoms or clinical signs of these defects before you took out your MiPet Insurance policy or within the first 30 days of starting your cover.

Yes, double trouble deserves a break, so insure more than one pet with us and we’ll give you a 10% discount on your 2nd and any further pets. Please not that in order to qualify for this discount you have to call us on 1300 568 489

Your policy starts at one minute to midnight on the day we accept your MiPet Insurance application. You can claim straightaway for all eligible treatments covered under the Accidental Injury Cover section of your policy, as long as the accident happened after your start date. You can claim for treatments for any illnesses that occur from 30 days after your policy start date.
There is a waiting period of 6 months from your policy start date for Cruciate Ligament conditions, regardless of what caused the condition. You can have this waiting period waived by completing the Cruciate Ligament Waiver Form and returning it to us after seeing your vet. See the form for easy instructions.

Definitely. You can change to a higher or lower cover level on your policy renewal date or at any time as long as you haven’t made a claim on your current cover, and your pet meets the age criteria for the cover you’re changing over to.

We’re pretty sure you and your pet will be sleeping easier knowing you’re protected with MiPet Insurance. But if you’re not completely happy with your policy for any reason, you’re also free to cancel your policy within the first 30 days from the start of your policy, and have your premiums refunded in full, just as long as you haven’t made a claim.

MiPet Insurance is a family company, born in 2016 from our passion for Australian pets and a desire to protect and support animal welfare. We’re not a giant impersonal insurance conglomerate. We’re animal lovers just like you (that’s why we donate part of your premiums to animal welfare).
MiPet Insurance has teamed up with our underwriting partner, The Hollard Insurance Company Pty Ltd, Australia’s leading pet insurer who protects the lives and assets of over 7 million policyholders worldwide.
Our policies and claims are administered by the very experienced PetSure Australia Pty Ltd, Australia’s only dedicated underwriting manager with a sole focus on pets, and an impressive pedigree for supporting pets and their people in over 30 countries.
Together, we can offer you the personal service and trustworthy claims experience you want when it comes to caring for your furry family.