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Our dog insurance plans

Do you worry about being able to afford vet fees if your dog has an accident, gets sick or needs an operation? With Southern Cross Pet Insurance, it's easy to find a plan that suits your budget and needs. For accident and illness cover, choose from our four PetCare plans.
For accident-only cover, check out AcciPet. 

Accident & illness cover

Cover for:
  • Accidental injury
  • Illness
  • Inherited conditions

You can also claim up to $25 for a vaccination or check up. Choose from 4 levels of cover.  

Claim up to $15,000 per year
Get a quote
Claim up to $10,000 per year
Get a quote
Claim up to $5,000 per year
Get a quote
Claim up to $2,500 per year
Get a quote

PetCare benefit sheet
PetCare policy document

Optional extras (only available with PetCare)

You can add extra cover for dental and day-to-day care. Please read the PetCare policy document and PetCare benefit sheet for a complete description of cover. 

Day-to-day care extra: Claim up to $75 per treatment (up to a total of $150 each year) for routine treatments, such as vaccinations and health checks.
Dental care extra: Claim up to $300 each year for dental care, including gingivitis, abscesses or tooth removal. There's a 20% co-payment for each treatment. 

Accident cover

Cover for:
  • Accidental injury

There is one level of cover.

Claim up to $5,000 per year
Get a quote

AcciPet benefit sheet
AcciPet policy document



Other things worth knowing

Who can get cover?

Dogs and cats aged between 8 weeks and 6 years old, at the time of policy commencement for our PetCare range of plans. There is no age restriction on the AcciPet plan. If your pet is between 6 and 20 weeks old, you could be eligible for our free cover offer.

Cover for inherited conditions 

Inherited conditions are genetic problems passed down through your pet’s bloodline. They can be expensive to treat, so you can rest easy knowing that Southern Cross provides cover for inherited conditions. 

Stand down period

If your application is approved, cover for injury begins from the start date of your policy. The following stand down periods apply from your policy start date: 21 days for illness; 90 days for cruciate ligament(s); 90 days for day-to-day care extra (except for microchipping which does not have a stand down period); and 90 days for dental care extra. Please note the stand down period applies to the date of treatment, not the date the claim is submitted. 

Ways to reduce the cost of cover

  • Co-payment. A co-payment option is available on both plans. With a co-payment, you’ll contribute 20% to the cost of your pet’s vet care. Full cover options are available on both plans as well. 
  • Monthly direct debit. If you pay your premium by monthly direct debit, you receive a 2.5% discount.
  • Discount for multiple pets. A 5% discount may apply if you insure more than one pet (cat or dog).
  • Southern Cross Health Society member. A 2.5% discount applies if you have health insurance with Southern Cross.

Cooling off period

If you’re not completely satisfied with the terms and conditions of your policy, you can cancel and receive a full refund by notifying us within 14 days of your policy start date (assuming you haven't made a claim under the policy during this time).  

The Southern Cross Pet Insurance website has been designed to give you an overview of our pet insurance plans. For full policy terms (including limitations and exclusions) please see the policy documents. 

Southern Cross Pet Insurance is underwritten by Southern Cross Benefits Limited. Southern Cross Benefits Ltd has an A+ (Strong) financial strength rating given by Standard & Poor’s (Australia) Pty Limited. The rating scale is: AAA (Extremely Strong), AA (Very Strong), A (Strong), BBB (Good), BB (Marginal), B (Weak), CCC (Very Weak), CC (Extremely Weak), SD or D (Selective Default or Default), R (Regulatory Action), NR (Not Rated). Ratings from ‘AA’ to ‘CCC’ may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories. Full details of the rating scale are available at Standard & Poor’s is an approved rating agency under the Insurance (Prudential Supervision) Act 2010. © Southern Cross Benefits Ltd