$120 signup bonus on new accounts
Flexible plans so you’re in control
Better coverage as standard, like dental and behavioural problems
Options to get smarter and and align with your circumstances
Save $100s off your annual cost
Pull the levers of annual limits, benefit cash back %s and excesses to design a package that makes sense for your budget and what you want to cover.
Annual limit
$10,000 $15,000, and $25,000
Cash back %
80%, 85%, and 90%
Annual excess
$0, $250, $500, $750, and $1,000
You get extra
by default
Dental illness covered
Behavioural problems covered
Specialised therapies covered
ExtrasJar compared
Say goodbye to confusing opt ins. We want your furry friend covered so you avoid surprises down the track.
No sub-limits
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Vet costs for general illness
Including car accidents, fractures, poisoning, wounds and when they swallow things they shouldn’t.
Vet costs for accidental injury
Skin, ear and eye conditions, hip dysplasia, cruciate ligament conditions, cancer and more.
Emergency boarding
For up to 30 days if you’re unexpectedly hospitalised for four or more days in a row, and it is not reasonable for someone who lives with you to look after your pet.
Chronic conditions
As long as you continue to hold the cover, meet its conditions and pay your premium, we will not refuse to provide you with a Renewal Policy based on the number of claims you have made or if your pet has developed chronic conditions. However, your premium may increase at the renewal.
Dental illness
Keep their teeth well intact with cover for treatment for gingivitis, abscesses or periodontal disease. Unlike many of our competitors, there are no sub limits attached to the treatment costs or vet expenses related to dental illnesses.
Please note that any routine or elective dental procedures such as teeth cleaning are not covered under dental illnesses.
Behavioural problems
For when your dog or cat doesn’t seem like their usual self – excessive licking, fur pulling, pacing and destructive chewing.
Specialised therapies
Vet costs for acupuncture, physiotherapy or hydrotherapy.
24/7 access to the Pet Health Hotline
So you can ask specific questions and get general advice, no matter what time. We can even help advise you whether you should take your pet to the vet.
*ExtrasJar Pet Insurance is subject to exclusions, such as Pre-existing Conditions. Please see our Product Disclosure Statement (PDS) for more details. Comparison is based on a sample of in-market pet insurance policies (June 2023).
This will cover it
Pet Insurance
Great news, all these things and more are covered in our Pet Insurance.
Accidental injury
General illness
Emergency boarding
Dental illness
Behavioral problems
Specialised therapies
Pet Savings Account
Our Pet Savings Account covers all pet health services not included in insurance, from routine vet visits to grooming.
Professional grooming
Dental clean & care
De-sexing
Vaccinations
For everything that keeps your pet healthy
Get a $120* Signup bonus into your savings account when you sign up for pet insurance today.
Which most
sounds like you?
New puppies and kittens
For new puppies and kittens, it's essential to be prepared for any health surprises. While they may be young and healthy now, early insurance can protect against unforeseen mishaps.
High excess pet cover
Pet Savings Account
The fur kings and queens
Combining a robust insurance plan with a Pet Savings Account is a smart strategy. This approach not only covers unexpected health issues through insurance but also allows you to save for routine care and other expenses not covered by insurance. It's the perfect solution for providing all-around care and ensuring the best for your furry friend.
High excess pet cover
Pet Savings Account
Age related health needs
Securing insurance early and maintaining it throughout your pet's life is crucial for uninterrupted coverage, especially as they enter their senior years. This approach ensures you are well-prepared to handle any age-related health issues that arise.
High excess pet cover
Pet Savings Account
Choose how you save,
spend and claim
ExtrasJar Pet Insurance allows you to choose an annual limit, annual excess and benefit percentage – meaning your cover is designed by you, for you. Plus, pair your insurance with a Pet Savings Account for even greater control.
A $1,000 excess could save you up to 67%
Pet Savings Account
How about
a bonus?
24/7
5%
$120
Optional Pet Savings Account and ExtrasJar Mastercard®
Give yourself some extra peace of mind. Add a Pet Savings Account for the things not covered by insurance and access your funds on the spot with our dedicated ExtrasJar Mastercard.
A Pet Savings Account gives you the freedom to choose how to spend your cover. From grooming and routine pet care to vaccinations, taking care of your pet has never been easier. Learn more here.
GET INSURANCE FIRST
How people are
getting extra
My dog, Barney is a big part of my life, and the extra pet costs can add up and be expensive. I struggle to save but pet extras has helped me save for my furry friend.
Saving $120 a year
No nasty surprises
Being able to adjust the excess and annual limit gives me control over my cat's insurance plan. It's straightforward and suits our needs well
Tailor your cover to suit your needs
High excess options to manage premiums
The absence of sub-limits is a significant benefit. This means more extensive treatment options for pets without the worry of exceeding cost limits for specific conditions. It's a relief for pet owners and a step forward in pet healthcare.
Developed with input from veterinarians
No sub-limits
I chose ExtrasJar for its affordable options. Their high excess plan reduced my monthly premium, which is great for my budget.
Choose a $1,000, $750, $500, $250, $0 excess
Tailor to suit your needs
Claim process
1
Login to the portal
After your vet visit, login to the My Pet Portal using your account details.
2
Submit new claim
Go to your policy and click on the claim button.
3
Upload or take a photo
Upload a PDF or take a photo of your receipt/invoice so we can process it.
4
Money back
We’ll contact you or your vet as needed. All going smoothly, your claim will be refunded within 2-5 days.
Frequently asked questions
Still have questions about ExtrasJar Pet Insurance cover? Take a look at the frequently asked questions below or reach out to our customer support team. We’ll be more than happy to help.
What pets are eligible?
ExtrasJar Pet Insurance is available to your companion cats and dogs that reside with you in Australia. We do not cover any other type of pets.
Our Policy has been designed for companion pets and therefore it is not possible to purchase cover for all cats and dogs.
Banned breeds
Certain breeds are considered dangerous and/or are banned in Australia. It is not possible to purchase cover for a dangerous or banned breed. If Your Pet’s breed is categorised as dangerous and/or banned in Australia after purchase or renewal of Your Policy, then Your Pet will no longer be eligible for this Policy and We will send You notice of non-renewal prior to the expiry of Your current Period of Insurance.
Work or sporting activities
Cats and dogs participating in commercial or sporting activity such as breeding or obstetrics, working, fighting, racing, personal protection, gun sports, law enforcement or guarding are not eligible for cover. Note that it is possible to purchase cover for pets who participate in or are show dogs/cats, search and rescue dogs, guide dogs, assistance dogs or customs sniffer dogs.
Are there age limits?
Once you have insurance, there is no age limit. However, there are minimum and maximum ages for starting insurance.
Minimum and maximum age of Pets on entry
When purchasing a new Policy:
- the minimum age for entry for a Pet is 6 weeks old; and
- the maximum age for entry is 8 years and 364 days old.
Are there Exclusions Periods?
Exclusion Periods apply to certain benefits available under the Policy. Cover is only available after the Exclusion Period has elapsed.
a. Accidental Injury (except Specified Conditions) - 1 day
b. Illness (except Specified Conditions)- 14 days
c. Dental Illness - 14 days – pets under 1 year old or 6 months – pets 1 year old or over
d. Behavioural Problems - 6 months
e. Specified Conditions - 6 months
You may ask us to waive the Exclusion Period for some or all the Specified Conditions, and other Conditions (e.g. Dental Illness). When you take out a policy, we will provide an Application Form to apply for a reduction of Exclusion Period(s) for You and Your vet to complete.
Specified Conditions include cruciate ligament damage, intervertebral disc disease, hip dysplasia, patella luxation, elbow dysplasia, osteochondritis dissecans (OCD), cherry eye, entropion, ectropion, and Brachycephalic Obstructive Airway Syndrome (BOAS) and Lumps. Lumps are not considered a Specified Condition if Your Pet was under one (1) year old on the First Date of Cover or when Your cover increased.
What is sub-limits?
ExtrasJar Pet Insurance has NO-SUB LIMITS. None. If you need to take your fur baby to the vet, you know what you are covered for.
Sub-limits are also known as a “condition limit” or “per incident limit”. A sub-limit acts as a ceiling, reducing claims made on a pet insurance policy per year (period of insurance), for treating certain conditions. A sub limit adds an extra restriction on certain veterinary expenses, common examples including limits on cruciate ligament surgery, hip dysplasia, dental illness and/or vet consultations.
What are the Extras?
Extra benefits are included as standard and cover:
- Vet Costs for Dental Illness such as dental diseases, gingivitis, periodontal disease.
- Vet Costs for Behavioural Problems such as excessive licking, fur pulling, pacing and destructive chewing.
- Vet Costs for Specialised Therapies such as acupuncture, physiotherapy, hydrotherapy.
Please note that the extra benefits do not include cover for general dental check-up and clean (for Dental Illness), and do not include routine or elective treatments or supplements (for Alternative Therapies).
For full details about what is and isn’t covered you should always refer to the Product Disclosure Statement.
How does an Annual Excess work?
If You choose to add an Annual Excess to Your Policy this amount needs to be met before We begin to pay benefits for accepted claims, at the chosen Benefit Percentage. Your Annual Excess will only be applied to accepted claims. Your Annual Excess will reset at the start of each Period of Insurance.
For example:
Health cover that adds up
Empowering a healthier and wealthier future for all families
Developed with input from veterinarians, our plans provide extensive coverage without confusing add-ons.
Smarter pet insurance that puts you in control
ExtrasJar Pet Insurance allows you to choose an annual limit, excess and benefit percentage meaning your cover is designed by you, for you. And pair with a Pet Savings Account for even more control.
Affordable pet insurance with no surprises.
ExtrasJar offers members the chance to submit a request to reduce or waive the 6-month exclusion period applicable for specified conditions and other issues like dental illness.
You know if you are in a car accident, and you take it in for repair and they say sorry, you are not covered for metallic paint, there is a sub limit of $500. Any repair cost over $500 you have to reach into your pocket. You know. Sub-Limits.
ExtrasJar Pet Insurance have NO SUB LIMITS. None. If you need to take your fur baby to the vet, you know what you are covered for.