Potiki Pet Insurance

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Why Potiki &
Pet Insurance

Potiki Insurance Pty Ltd (ABN 76 652 040 312) is an Australian pet insurance company distributing dog and cat insurance policies in collaboration with petinsurance.com.au, powered by PetSure (Australia) Pty Ltd — Australia’s leading pet insurance underwriter (AFSL 420183).

Established to bring a fresh approach to pet insurance, Potiki together with petinsurance.com.au offers flexible pet insurance cover for dogs and cats across Australia, with up to a choice of annual benefit limits of $7,500, $20,000 or 35,000 Accident & Illness cover.

In addition, you can choose a Benefit Percentage of 70%, 80% or 90% and $Nil, $200, $500 or $1,000 annual excess options^, and exclusive member benefits through the Potiki Perks2 and myPetPass**. Potiki is an Authorised Representative (AR 1295320) of PetSure (Australia) Pty Ltd.

Pōtiki means
youngest in the family

The word Potiki comes from Māori and it means youngest in the family, and more often than not, the fur baby is the youngest one in the family.

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Putting pet insurance in
a whole new light

It makes sense to reward pet owners with extras that help them with everyday pet needs. We have done exactly that by offering additional non-insurance benefits via Potiki Perks2  at no additional cost. Enjoy 6 months of free tick, flea and deworming treatments when you take out a new policy.Plus, through myPetPass** you have the benefit of contacting a vet for online assistance “anytime, anywhere” with LiveVet ~ provided with your cover. Chat online with an expert vet to get immediate assistance with your pet’s condition.

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Multi-Award Winning
Pet Insurance Cover
Across All Cover Types

A testament to the competitive cover options offered with petinsurance.com.au, we’re extremely humbled and proud to have been awarded the following throughout the years:

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2026

FINDER AWARDS
Highly commendede. Fast Speeds NBN Provider (NBN 500)

2025

CANSTAR
Outstanding Value Pet Insurance – With Routine Care (3 years in a row)
Outstanding Value Pet Insurance – With Routine Care (2025)

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MOZO
Highly Commended Pet Insurer

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2024

WeMoney
Best for Value (Multiple Pets) – Winner
Best for Value (Overall) – Finalist

2023

MOZO – Expert Choice Awards
Pet Insurance Provider of the Year – Winner
Exceptional Value Comprehensive Pet Insurance (Gold and Routine Care [non-insurance benefit])
Exceptional Quality Pet Insurance Award (Platinum)
Exceptional Value Accident & Illness Pet Insurance

WeMoney
Best for Value (Pet Insurance) – Winner
Pet Insurer of the Year – Finalist
Exceptional Quality Pet Insurance Award (Platinum)
Best for Quality (Pet Insurance) – Finalist

2022

MOZO – Expert Rated Awards
Pet Insurance Provider of the Year – Winner
Exceptional Value Comprehensive Pet Insurance (Gold and Routine Care [non-insurance benefit])
Exceptional Quality Pet Insurance Award (Platinum)
Exceptional Value Accident & Illness Pet Insurance

Flexible cover
for your dog or cat

Our award-winning Cover for accidents and illnesses

provides flexible features to suit any budget.

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Pet owners are special people. They share, they care. Pet ownership in Australia is one of the highest in the world, around 73% of Australian households now own a pet, with nearly half owning a dog and over a third owning a cat+. Yet any pet can get into strife. Accidents and illnesses are unfortunate.

From snakebites to cancer, an unexpected vet bill can cost thousands of dollars for surgery or treatment. Having pet insurance can bring peace of mind if the unexpected happens.

A wide choice

Up to $7,500, $20,000 or $35,000 overall annual limit options^.

Up to 70%, 80% or 90% of your eligible vet bills back.

Annual excess options ($0, $200, $500, or $1,000 depending on your
cover level) for more control over your premium and
out-of-pocket expenses^.

Plus so much more

6 months

Of free tick, flea & worm treatments for each new policyholder with Potiki Perks2

Zero sub-limits

Maximum coverage flexibility when it matters most.

GapOnly® ready

Get approved claims processed and settled right at the clinic.

myPetPass®**

Your ticket to extra pet perks including Live Vet, complimentary 24/7 online vet care.

Booster Care

Optional benefit with up to $2,000 per year for specified dental conditions and specialised therapies including behavioural therapies and physiotherapy.

Routine Care

Care optional non-insurance benefit with up to $150 per year for vaccinations, health checks, desexing, microchipping, and more.

Superior & innovative service
makes claiming easy

You can access GapOnly® on the spot claiming 3

 

Potiki in collaboration with petinsurance.com.au is proud to have access to the GapOnly® platform. Making pet insurance claims faster and easier than ever, the GapOnly® service calculates your claim while you’re still at your vet’s practice, so you only pay the gap (the difference between the total vet’s invoice and eligible claim benefits under your policy).

 

It means less up-front out of pocket expenses on eligible claims, and you don’t have to wait for your claim to be paid after you leave the vet practice. Plus, no paperwork!

Find a GapOnly® Vet
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Pet portal

The petinsurance.com.au Pet Portal allows you to submit claims quickly and easily online.

The portal includes a range of features to help you manage your policy 24/7 and is one of the many benefits of being a customer :

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Submit claims in 3 quick steps from any device

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Access to full details of your cover
and policy documents

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Access to claims correspondence
and status updates

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Update payment and policy details

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Help centre to provide key
information you may need.

Common claim costs

Top 5 Health Conditions in Dogs

CONDITIONS

Average
Claim Cost

Highest
Claim Cost

Skin infections / allergies

$667

$21,209

Gastrointestinal conditions
(Vomiting / Diarrhoea)

$874

$37,599

Ear infections (Otitis externa)

$439

$22,665

Wounds / Traumatic injuries

$836

$46,525

Mass lesions (Lumps and bumps)

$961

$31,195

Source: 2025/2026 PetSure Pet Health Monitor report

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Top 5 Health Conditions in Cats

CONDITIONS

Average
Claim Cost

Highest
Claim Cost

Gastrointestinal conditions
(Vomiting & Diarrhoea)

$956.24

$21,043

Urinary tract disorders
(FLUTD / Bladder infections)

$1,497.20

$41,850

Dental conditions

$1,042.39

$7,065

Skin allergies & dermatitis

$473.43

$11,757

Mass lesions (Lumps and bumps)

$632.27

$32,268

Source: 2025/2026 PetSure Pet Health Monitor report

Common High-Cost Claims Without Pet Insurance

Disease / Condition

Average
Claim Cost

Highest
Claim Cost

Gastric Dilatation-Volvulus (GDV / Bloat)

$4,114

$25,435

Intervertebral Disc Disease (IVDD)

$3,800+

$35,000+

Cruciate Ligament (Knee Joint Condition)

$3,510

$22,709

Foreign Body Ingestion / Blockage

$1,500 – $2,500

$37,599

Envenomation (Snake / Spider Bite)

$1,800 – $3,500

$15,000+

Gastroenteritis / Peritonitis

$737 – $956

$32,310

Cancer Treatments (Excl. Lymphoma)

$3,436 – $5,706

$61,931

Hip Joint Surgery / Dysplasia

$8,156

$39,508

Source: 2025/2026 PetSure Pet Health Monitor report

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