Pet Insurance Glossary of Terms

  • Accidental Injury

    Physical harm or injury arising from a single, identifiable event, which is independent of any other cause including any Pre-existing condition.

  • Accident Protect (also known as Accidental Injury Cover)

    An insurance policy which will cover vet expenses for treatment incurred by you during the policy period up to the Benefit Limits, as a result of your pet suffering an Accidental injury in one of the circumstances described in the policy document.

  • Benefit

    An amount of money paid to you as the result of successful insurance claim.

  • Benefit Limit

    The total amount payable under your policy for each level of cover selected. Check the PDS and your policy document for details of the benefit limits and conditions that apply to your cover.

  • Benefit Percentage

    A percentage of an eligible claim which you are responsible for paying. For example, for a 20% benefit percentage, we will be responsible for 80% of any eligible vet expenses, and you will be responsible for 20%.

    This is in addition to any excess that you may also have to pay under your policy. Check the PDS and your policy document for details of any benefit percentage or excess that apply to your cover.

  • Certificate of Insurance (also known as Policy Document)

    A document outlining the contract of insurance between you and us, and identifying the policy number, commencement date, cover end date, insured pet and Schedule of Benefits, including Benefit Limits.

  • Chronic Condition Limit

    The maximum amount we will pay over the lifetime of your pet for a Chronic Condition or a Recurring Condition suffered by your pet. For definitions of a Chronic or Recurring Condition see below. Check the PDS and your policy document for details of the limits and conditions that apply to your cover.

  • Claim

    A request to receive a benefit under the terms of your insurance policy. You will need to notify us of the event which gives rise to your claim and supply supporting evidence such as vet bills.

  • Commencement Date

    23h59 on the date when your cover first starts, as shown on your policy document.

  • Comprehensive Protect (also known as Accidental Injury Cover and Illness Cover)

    An insurance policy which will cover vet expenses for treatment incurred by you during the policy period up to the Benefit Limits, as a result of your pet suffering an Accidental injury in one of the circumstances described in the policy document and/or as a result of your pet suffering an illness.

  • Condition

    An accidental injury arising from a single event, or any manifestation of an Illness (including behavioural problems) which has the same clinical symptoms, diagnostic classification or resulting from the same disease regardless of the number of incidents or areas of your pet's body affected. For example, all types and occurrences of cancer, regardless of type or location, will be classified as one condition.

    • Bilateral Condition

      means any Condition affecting body parts of which the Pet has at least two, one each side of the body (e.g. ears, eyes, knees, cruciate ligaments For example, if your dog is diagnosed with a cruciate tear in his left leg, a subsequent cruciate tear in his right leg will be classified as the same condition.

    • Chronic Condition

      A condition which has one of the following characteristics:

      1. continues indefinitely and has no known cure;
      2. is a Recurring condition;
      3. is permanent; or
      4. needs long-term (greater than 3 months) monitoring, consultations, check-ups, examinations or tests.
    • Recurring Condition

      A condition that is curable but may relapse repeatedly with intervals of remission in between.

  • Cooling Off Period

    The period of time after you buy your policy, during which you can cancel your policy and receive a full refund of any premiums you have paid. Our pet insurance products have a 14 day cooling off period.

  • Co-payment

    See 'Benefit Percentage'.

  • Cover

    The insurance cover applying to your pet as shown on your policy document.

  • Duty of Disclosure

    When you apply for pet insurance you will need to provide us with complete, honest information about your pet's health and history. If you conceal or leave out important information we may cancel your policy and we may not pay any claim you make.

  • Elective Treatment

    A treatment or surgery that is beneficial to your pet but is not essential for your pet's survival, or does not form part of the treatment for a condition.

  • End Date

    23h59 on the date upon which your policy terminates and benefits cease. The end date is shown on your policy document. If the policy is cancelled, either by you or by us, then the date of cancellation will be deemed to be the end date.

  • Excess

    The amount (if applicable) that will be deducted from your benefit for each unrelated condition treated during the policy period. Check the PDS and your policy document for details of any excess that applies to your policy.

  • Exclusion

    Circumstances in which you will not be covered under your insurance policy, for which you are not able to claim any benefit. For example, pre-existing conditions are excluded under our pet insurance policies. Check the PDS and your policy document for details of the exclusions that apply to your policy.

  • Illness

    A sickness or disease diagnosed by a vet.

  • PDS (Product Disclosure Statement)

    Document setting out in detail the exact terms and conditions of an insurance product, including any exclusions. It is vital that you read and understand the PDS before taking out any form of insurance. You can download the PDS for our pet insurance products here.

  • Pet

    A dog or cat covered under your policy and named on your policy document.

  • Policy Document (also known as a Certificate of Insurance)

    A document outlining the contract of insurance between you and us, and identifying the policy number, commencement date, cover end date, insured pet and schedule of benefits, including benefit limits.

  • Policy Period

    The time during which we provide cover, as specified in your policy document. The first policy period starts on the commencement date and ends on the end date.

  • Pre-existing Condition

    A condition or illness occurring before your policy began or during any waiting period. Check the PDS for a detailed explanation of how we classify pre-existing conditions.

  • Premium

    The amount you pay for your insurance cover. Depending on the type of cover you may be able to pay your premium weekly, monthly or annually. The cost of your premiums will depend on the type of insurance you take out and the breed, age and health of your pet.

  • Routine Care

    An optional extra to our Comprehensive Pet Insurance which provides for certain listed preventative healthcare treatments for your pet, such as annual vaccinations. Check the PDS and your policy document for details of benefit limits and which treatments are covered.

  • Treatment

    Reasonable and customary examinations, consultations, hospitalisation, surgery, x-rays, medication, diagnostic tests, nursing and other care and procedures provided by a vet to relieve or cure a disease, illness or Accidental Injury in your pet.

  • Vet

    Any licensed and currently registered veterinarian, veterinary specialist, animal hospital, animal clinic, or animal surgery, other than the policy owner.

  • Vet Expenses

    The reasonable, customary and essential expenses incurred and paid to your vet in respect of treatment provided for your pet.

  • Waiting Period

    A period starting at the start of your policy during which no cover is provided for certain conditions. For details of any waiting periods that apply to your policy consult the PDS and your Policy Document.

1300 Insurance's Pet Protect offered by 1300 Insurance Pty Ltd (ACN 124 845 727; AR No 327609) underwritten by The Hollard Insurance Company Pty Ltd (AFSL 241436), and administered by PetSure (Australia) Pty Ltd (AFSL 420183). The information on our website, our brochures and other documentation is of a general nature only and does not take into account your personal financial situation, needs or objectives. Therefore before you decide to buy this product it is important that you read the Product Disclosure Statement and Financial Services Guide to make sure the product is appropriate for your needs.