How do you calculate my premium?

New policies

Your premium is calculated using a combination of factors about you and your pet. These factors can affect the premium amount up or down depending upon whether we believe it increases or decreases the risk to us, such as the cover you have chosen, the benefit percentage applicable to the cover you have chosen, the species, breed and age of your pet and other factors related to our cost of doing business.

Renewing policies

Factors that are taken into consideration for renewal premium calculation your pet’s age and breed, as well as data relating to the health of Pets that are a similar age and breed. Each year we review premiums based on these factors to ensure we can accommodate the costs of possible treatment up to your annual benefit limit, in the event that your pet becomes injured or ill.

Have a question that you'd like us to answer?

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. The Target Market Determination document can be found here.