Swaggle pet insurance
Rest easy with quality, great-value cover for your bestie
Up to 100% back on eligible vet bills¹
20% off your first year — limited time offer*
Lifetime cover guarantee
Get up to 100% back on eligible vet bills¹
Choose the right cover for your cat or dog
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.
Choose who treats your pet. Pick any qualified or registered vet in Australia.²
Help keep your pet in great health with an annual routine vet visit – we’ll cover up to $80^
Your pet’s health and age may change, but their level of insurance cover will stay the same for the lifespan of your policy.³
We’ll pay your pre-approved scheduled vet bill direct to your vet. 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.
Frequently Asked Questions
You can choose to receive either up to 80% or up to 100% back on eligible vet bills after you pay the applicable excess. Your selected choice of 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 2 day waiting period for most Accidental Injuries and a 21 day waiting period for 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 Lite or Routine Care Plus covers
- 21 day waiting period for the included additional benefit for Routine checkup
- 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 an excess for Accident and Illness cover. There are no excesses payable for Routine Care optional cover and a $200 excess payable for the Dental optional cover. There are no excesses payable for the Death From Accidental Injury or Illness, Emergency Boarding and Pet Health and Wellness Checkup additional benefits, where these are included in your policy.
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, additional benefits and optional Routine care and optional Dental cover 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.
§ Pre-existing conditions including bi-lateral and related conditions excluded. Some preventable conditions and pandemic diseases excluded. Waiting periods, exclusions (pre-existing and general), and sublimits apply. See the Product Disclosure Statement for full details
+Policy limit based on your selected policy limit amount. General exclusions, excess, limits and sub-limits may apply. See the Product Disclosure Statement for full details.
¹ Percentage back based on your selected Benefit Level. General exclusions, excess, limits and sub-limits may apply. See the Product Disclosure Statement for full details.
² Excluding any additional costs where emergency consultation or treatment was not essential.
³ Lifetime cover guaranteed provided a policy is purchased before your pet turns 9 and renewed each year without a break in cover.
⁴ Subject to approval. Terms and conditions, limits, exclusions and waiting periods apply. See the Product Disclosure Statement for full details.
^Terms and conditions, exclusions, waiting period, and sub-limits apply. See the Product Disclosure Statement for full details.
* This offer provides a 20% discount on your premium for the first year of your Swaggle Pet Insurance policy (Offer).You qualify for this Offer if you take out a new Swaggle Pet Insurance policy between 1 July 2025 and 30 September 2025 (Offer Period).The discount will be automatically applied at the time of purchase.This Offer is available only during the Offer Period. Swaggle reserves the right to extend or withdraw the Offer Period at its sole discretion.
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.
Swaggle Pet Insurance Customer Support
Lodge a claim online 24/7, 365 days a year.
Once we have all the necessary documents, it usually takes between 5-10 business days. If we need more information to assess the claim, we will let you know.
Translator and Interpreter Services
When you call, let us know you’d like to use an interpreter and we’ll arrange it for you.
Call us on 1300 738 730.
Translating and Interpreting Services (TIS) are available 24/7 and their interpreters speak over 160 languages. They’re available over the phone and in person.
Book an appointment with TIS, or call them on 131 450.
What to do if you have a complaint
We understand that sometimes issues come up and you may have a complaint. We will always do our best to provide you the highest level of service but if you are not happy or have a complaint or dispute, visit the complaints handling page to find out what to do.
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