Pet Insurance FAQs

In most cases, you simply pay the gap (the difference between the vet’s invoice and your eligible claim benefit) and off you go.

Pre-existing conditions are often excluded by insurers. If your pet already has a known health issue, your insurer might not cover it or may impose waiting periods. Read the policy carefully so you know what to expect.

In many cases, yes—if your policy includes cover for major surgery. Be aware of any waiting periods and exclusions (such as injuries that occur before the policy starts).

Most insurers require you to pay the clinic directly and then submit a claim for reimbursement. If cost is an issue, talk to us so we can discuss possible payment arrangements.

Some insurers have a direct claim arrangement, but it varies. We can fill in the vet portion of your claim form and provide invoices and records, but you’ll need to check if your insurer supports direct billing.

We still welcome you at AMC Boronia Vet. We’ll always do our best to work out a treatment plan that fits your budget. However, insurance often means more options and less financial stress if a big issue arises.

Many insurers have an optional ‘wellness’ or ‘routine care’ add-on. It might cover things like vaccinations, desexing, and microchipping. Be sure to check the specifics of each plan.

Some insurers have a direct claim arrangement, but it varies. We can fill in the vet portion of your claim form and provide invoices and records, but you’ll need to check if your insurer supports direct billing.

Earlier is often better—policies generally don’t cover pre-existing issues. Getting insurance while your pet is young and healthy means broader cover and fewer exclusions.