Give your pet the care they need with Budget Direct’s Comprehensive Pet Insurance. Get a generous $15,000 annual policy limit, routine care options to choose from and up to 80% money back on eligible vet bills (T&Cs apply). Get cover for orthopaedic care, accidental injury and illness cover as well as choice of vet.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Protect your pet with basic coverage with Budget Direct’s Essential Pet Insurance. $12,000 annual policy limit and up to 80% money back on eligible vet bills for a range of conditions (T&Cs apply). Get cover for orthopaedic care, accidental injury and illness as well as choice of vet.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Protect your pet with Budget Direct’s top level of cover. With Budget Direct Plus Pet Insurance you’ll get routine care options, a $25,000 annual policy limit and 80% back on eligible vet bills (T&Cs apply) Get cover for tick paralysis, bilateral conditions, accidental injury and illness cover and more.
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Looking for pet insurance that offers value for the price? Then Budget Direct is a good one to add to your consideration set. A consistent winner in Mozo’s Experts Choice Awards in multiple categories, Budget Direct aims to provide cost-effective pet insurance options for Australian pet owners.
For more than 20 years, Budget Direct has been providing affordable insurance to Aussies of all walks of life. Their offerings run the gamut, from car and home insurance to pet and travel insurance.
Headquartered in Brisbane, Budget Direct is underwritten by Auto & General Insurance Company.
With Budget Direct Pet Insurance, you can choose one of three tiers of cover, for dogs & cats 8 weeks up to 9 years old.
No matter which level you choose, after any waiting periods you can claim 80% on eligible vet expenses, less any applicable excess and subject to policy limits (terms, conditions and exclusions apply). Budget Direct also aims to make the claims process easy, with most claims assessed within just 5 business days.
Budget Direct pet insurance offers a standard selection of automatic benefits, such as accident and illness cover.
Check out the table above to see more detail about what to expect from a Budget Direct pet insurance policy. Make sure you also dig into Budget Direct’s product disclosure statement (PDS) for the full policy terms and conditions.
With Budget Direct's Plus and Comprehensive pet insurance policies, you can opt to add routine care coverage as an extra. This allows you to claim for routine treatments like:
Routine care claims are subject to their own annual benefit limit in addition to your overall policy benefit limit. There's also no waiting periods, excess or co-payments for routine care claims. Routine Care cover is not available at the Essentials level.
Like all pet insurance policies, there are a few general exclusions that your Budget Direct won’t cover you for, including pre-existing conditions, intentional neglect or harm, and breed-specific conditions.
Furthermore, there are waiting periods you must adhere to after purchasing your policy, and these can differ based on what you’re claiming for. Coverage can also be denied if you miss a premium payment.
Always read the PDS for a more detailed understanding of Budget Direct’s exclusions.
To make a claim through Budget Direct, you can simply lodge your claim online or download the claim form and email or post it in. Just follow this link where you’ll find information on both methods. You should aim to lodge your claim as soon as possible, along with relevant evidence, such as vet’s assessments, invoices, or receipts.
Alternatively, you can call Budget Direct from Monday to Friday, 8am-5pm AEST at 1800 931 664
and they'll be happy to help.
Your vet may also email a copy of the invoice and any clinical notes to claims@pet.budgetdirect.com.au on your behalf.
Budget Direct aims to assess your claims within 2-5 business days of receiving all necessary evidence. Budget Direct will reimburse 80% of eligible vet expenses, less any applicable excess and subject to policy limits and sub-limits (terms, conditions and exclusions apply).
You can cancel your Budget Direct pet insurance policy any time by notifying Budget Direct through the Budget Direct website, email, or phone number. If you cancel your policy during the 21-day cooling off period and you have not made a claim, you’ll receive a refund for the premium you have paid.
If you cancel after 21 days, you’ll receive a pro-rated refund for any amount that would have covered you after the cancellation date. However, you may be assessed a $40 cancellation fee unless your pet has died.
Be sure to read the Budget Direct PDS for the full terms and conditions.
If your pet gets ill or injured, call your vet immediately or get your pet to an emergency clinic as soon and safely as possible. After you get there and take care of any pressing emergencies, contact Budget Direct to get an idea of what your coverage can do for you.