Pet insurance solved with Budget Direct

Accidents and illnesses

Budget Direct Pet Insurance covers both illnesses and accidental injuries.

Claim money back

Cover for up to 80% of the cost of eligible vet expenses. 

Generous limit

Make multiple pet-insurance claims, up to an overall limit of $12,000 per period of cover (sub-limits may apply).

Choice of vet

Take your pet to any qualified and registered vet in Australia.

Multi-pet discount

Insure more than one dog or cat at the same time and receive a 5% discount for each of them.§

Easy claims

Enjoy a fast, stress-free claims service from a team of pet insurance experts.

Terms, conditions, limits and exclusions apply. For full details, please read the Product Disclosure Statement (PDS).

Choose your cover

Dog Insurance

If your dog or puppy gets sick or injured, Budget Direct dog insurance can help you financially by reimbursing up to 80% of your eligible vet expenses (subject to the relevant limits and excess).

Cat Insurance

If your cat or kitten gets sick or injured, Budget Direct cat insurance can help you financially by reimbursing up to 80% of your eligible vet expenses (subject to the relevant limits and excess).

What makes us different

Cover for all orthopaedic conditions

We cover all orthopaedic conditions, including ones not covered by some other insurers. You won’t have the worry of potentially having to absorb the entire bill for surgery.# (sub-limits apply)

Simplified insurance that’s easy to understand

Other pet insurers offer varying levels of cover. But it can be difficult figuring out whether the higher cost of the extra protection is worth it. We’ve removed the guesswork by offering one level of affordable insurance that covers the essentials.

How it works

Budget Direct Pet Insurance works like this:

  1. You buy a pet insurance policy and pay a monthly or yearly premium to maintain your pet’s cover.
  2. If your pet suffers a sickness or injury, you take it to a veterinarian.
  3. The vet examines your pet, performs any necessary tests and treats the condition.
  4. After treatment, you pay the vet’s invoice in full.
  5. You and your vet complete the claim form.
  6. You send the form and the full itemised invoice to us by email or post.
  7. Upon acceptance of your claim, we’ll reimburse up to 80% of your eligible vet expenses (limits and an excess apply).
Dog high five

Is pet insurance worth it?

Most of us can appreciate the financial impact of our car getting written off or our home being damaged in a storm. It’s less clear when it comes to our pets getting sick or injured.

This interactive tool gives you an insight into the cost of some veterinarian treatments — and how much Budget Direct can pay for your claim:

The vet treated my for which cost $X,XXX~

Fortunately, I had Budget Direct Pet Insurance.

My excess was $100 and Budget Direct reimbursed 80% of the bill.

I paid $X,XXX and Budget Direct paid $X,XXX.

~ Amounts shown are based on actual veterinarian bills for a domestic short-haired cat and a medium sized dog (e.g Jack Russell Terrier) and on the basis that any limits or sub-limits have not yet been met during the period of cover. The size of these bills varies between vets.

Find out more

The information on this page is a summary only. For all the terms, conditions, limits and exclusions, please read the Product Disclosure Statement.

Frequently asked questions

Does pet insurance cover pre-existing conditions?

Budget Direct Pet Insurance does not cover pre-existing conditions.

A pre-existing condition is any illness or injury that your pet showed any signs of symptoms of:

Is there a waiting period for pet insurance?

Yes – after buying Budget Direct Pet Insurance for the first time, policyholders must serve a waiting period before they’re allowed to make certain types of claims.

The waiting periods — also known as no-claim periods — are as follows:

  • Accidental injury: 2 days
  • Illness: 30 days
  • Tick paralysis: 30 days
  • Cruciate ligament conditions: 6 months.

Any condition that occurs during the applicable waiting period will be considered a pre-existing condition.

Policyholders do not have to serve any waiting periods after their pet’s policy renews.

Are there any limits to how much I can claim?

Yes — you can claim up to a maximum of $12,000 per 12-month period of cover for all your eligible vet bills.

Annual benefit sub-limits apply to certain conditions, namely:

  • Orthopaedic conditions: $4,000
  • Cruciate ligament conditions: $2,600
  • Tick paralysis: $1,500
  • Snake attacks: $1,200.

These limits are shown on your insurance certificate.

Each time you renew your annual policy, the overall limit and sub-limits will be reset. (They do not accumulate across policy periods.)

If I make a claim, will I have to pay an excess?

Yes — you will pay a $100 excess once for each unrelated condition during any one period of cover. For further treatments for a related condition during the same period of cover there is no excess.

For example, if your dog needs treatment for diabetes twice during the 12-month policy period, you’ll be required to pay the excess for the first claim for that condition, but not the second.

Similarly, if your dog develops a condition that’s related to one you’ve already made a claim for (e.g. diabetic retinopathy stemming from diabetes), you won’t have to pay another excess.

Each time you renew your annual policy, the excess will be reset (i.e. the next time you make a claim for a related illness or injury, you’ll be required to pay the excess).

What is not covered by pet insurance?

There are certain things Budget Direct Pet Insurance does not cover (called ‘exclusions’).

The following list shows some of these exclusions:

For the full list of exclusions, please read the Product Disclosure Statement.

Terms and conditions

# Up to a benefit sub-limit of $4,000 per period of cover; the sub-limit for cruciate ligament conditions is $2,600 per period of cover. Excludes pre-existing conditions and related or bilateral conditions associated with a pre-existing condition. Waiting periods apply in the first year of cover.