Swaggle Pet Insurance

Our pets are family. Rest easy knowing we offer affordable quality cover for your best friend.

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Get up to 100% back on eligible vet bills¹

Help reduce the stress of your next vet visit. Get up to 100% back on eligible vet bills or choose to lower your premium and still get 80% of the cost covered.

Choose the right cover for your dog or cat

Basic

Affordable cover providing protection for all accidents and injuries.~

  • All accidents and injuries covered
  • Limited illness cover
    Cover for Cancer, Cruciate Ligament and Joint Dysplasia and Luxation
  • Up to $10,000 benefit limit
  • Up to 100% back on eligible Vet bills
  • Cured pre-existing conditions covered
Comprehensive

Extensive cover, including all accidents and common illnesses as well as optional routine health maintenance.~

  • All accidents and injuries covered
  • Specified illness cover
    Cover for the most common 19 illnesses
  • Up to $12,000 benefit limit
  • Up to 100% back on eligible Vet bills
  • Cured pre-existing conditions covered
  • Optional Extras
    Routine Care Lite, Routine Care Plus 
Premium

Cover for all accidents and injuries, over 3,000 illnesses as well as optional routine health maintenance and dental.~

  • All accidents and injuries covered
  • Complete illness cover
    Cover for over 3,000 illnesses
  • Up to $15,000 benefit limit
  • Up to 100% back on eligible Vet bills
  • Cured pre-existing conditions covered
  • Optional Extras
    Routine Care Lite, Routine Care Plus, Dental

Terms, conditions, limits and exclusions apply. For full details, please read the

Product Disclosure Statement (PDS)
Affordable Pet Insurance for your bundle of fur.

Whether it's a prickly paw or something more serious, our policies are designed to help you focus on your pet and not your wallet.

Choice of vet

Choose who treats your pet.
Pick any qualified or registered vet in Australia.²

Guaranteed lifetime cover

Young or old we're here for life. Meaning your pet's coverage won't change based on how old they are.³

Pre-paid vet bills

We pay your scheduled vet bill in advance. Just pay your excess and gap on pre-approved procedures.⁴

Need help choosing?

Swaggle Pet Insurance offers three levels of cover, ensuring you can choose the best fit for your furry family member. 
Find out more about the key differences between our covers now.

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Frequently Asked Questions

You can choose to receive either 80% or 100% back on eligible vet bills after you pay the applicable excess.  A $200 excess applies for accidents and illnesses.

Get a quote now to find out more details.

The total amount payable is up to the policy limit or any sub-limit. Please refer PDS or your policy schedule for more information.

There is a 21 day waiting period for most accidents and illnesses; with the following exceptions:

  • There are no waiting periods for Accidental injuries arising from Anaphylactic shock, Burn or Electrocution, Motor Vehicle Accidents or Snake Bite Toxicity
  • No waiting periods for optional Routine Care cover
  • 6 month waiting period for Cruciate Ligament Conditions
  • 6 month waiting period for optional Dental cover

Conditions arising in the waiting period or before the policy starts, are not covered. Please refer to the PDS or your schedule if you are an existing Pet Insurance customer.

A pre-existing condition is an accident or illness that occurred before taking out the policy or within the waiting period, and that you or your vet were aware of or could have been reasonably aware of. 

Accidents that have already occurred, ongoing illness and bilateral conditions will not be covered by our policies. Please refer to the PDS and TMDs for more information

Yes, all our policies have a standard excess of $200 for Accident and Illness cover.  There are no excesses payable for Routine Care optional cover. Please refer to the PDS or your schedule if you are an existing Pet Insurance customer.

All our policies have an aggregate limit, which is the total amount that you can claim per year.

Sub-limits apply for some illnesses, accidents and optional Routine Care add-ons. This is the amount that you can claim per year for those specific illnesses.

Please refer to the PDS or your schedule if you are an existing Pet Insurance customer.

Terms and conditions

~Waiting periods, exclusions (pre-existing and general), and sublimits apply. See the Product Disclosure Statement for full details.
¹Percentage back based on your selected Benefit Level. Excess, limits and sub-limits may apply. See the Product Disclosure Statement for full details.
²Excluding any additional costs where emergency consultation or treatment was not essential.
³Lifetime cover guaranteed provided a policy is purchased before your pet turns 9 and renewed each year without a break in cover.
⁴Subject to approval. Terms and conditions, limits, exclusions and waiting periods apply. See the Product Disclosure Statement for full details.

Product related

Standard underwriting criteria apply. Swaggle Pet Insurance is issued by Guild Insurance Limited (ABN 55 004 538 863, AFSL 233791) (Guild). CGBV1 Pty Ltd (trading as: Swaggle) is an authorised representative (AR number 001306894) of Guild, and receives commission for each insurance policy sold. Any advice provided is of a general nature only and does not take into consideration your objectives, financial situation or needs. Before acting on any advice you should consider its appropriateness. You should read the Product Disclosure Statement and Target Market Determination before deciding whether to acquire an insurance policy.