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MiPet Pet Insurance Review

About MiPet Insurance

MiPet Pet Insurance is a small insurer founded by animal lovers in New South Wales.  The company offers pet insurance coverage for dogs and cats.  Most recently, they are providing $10 for every policy sold to the PAWS Pet Therapy.    The PAWS Pet Therapy is a charitable organisation made up of pet owners and dogs who volunteer their time to spread the magic of pet-assisted therapy to people in a range of settings, with needs ranging from loneliness to cancer.

MiPet's occasionally offers promo codes and coupon codes but have an always on 10% discount for multi pets. To find out the latest offers you can visit MiPet Promo Codes.

Basic: MiPet Basic Insurance Cover

MiPet’s basic cover includes coverage for accident and illness with a $0 excess option with an annual benefit limit of up to $5,000.  The total eligible cover is 70%, which is slightly lower than the 80% typically offered by other pet insurers.  Other inclusions for the plan is a $300 annual consultation limit, $500 emergency boarding fee, $2,600 for cruciate ligament condition, however there is no tick paralysis benefit coverage.

Standard: MiPet Vital Insurance Cover

In addition to the basic cover, the standard plan includes an increased 80% eligible vet bill coverage, $1,000 tick paralysis benefit and a $11,000 maximum yearly benefit.  Once your are insured and decide to continue, your policy is eligible for lifetime coverage.

Comprehensive: MiPet Top Insurance Cover

The comprehensive plan is MiPet’s top offering, with the maximum yearly benefit increasing to $12,000 per year.  The reimbursement for eligible vet bills also increases to 85% making it one of the top pet insurers.  There is also an option for routine care cover, with a yearly $100 credit you could use towards teeth cleaning, worming, de-sexing and more.

  • Accidental + Illness coverage on all plans
  • Up to $12,000 in annual benefits for the top cover
  • Option for dental care coverage
  • No age limit on their basic plan so you could cover pets above 9 years old
  • multi pet discount of up to 10%
  • $10 donated to the Paws Pet Therary for every policy sold
  • A lower 70% of Eligible vet bill reimbursed in the basic plan
  • Low annual benefit limit on the basic plan

 Basic CoverVital CoverTop Cover
Age eligibility8 weeks and aboveMinimum aged 8 weeks to 9 years oldMinimum aged 8 weeks to 9 years old
Annual Benefit Limit$5,000$11,000$12,000
% Cover on eligible vet bills70%80%85%
Excess$0, $100 or $200$0, $100 or $200$0, $100 or $200
Consultations and Visits$300 Annual Limit$300 Annual Limit$300 Annual Limit
Cover Accidental InjuryYes OptionYes OptionYes Option
Cover IllnessesYes OptionYes OptionYes Option
Routine Care CoverNo OptionNo OptionYes Option
Routine Care Cover Limit$0$150 worth of benefits$100 worth of benefits
Tick Paralysis - Annual BenefitNo OptionYes OptionYes Option
Emergency Boarding Fees - up to $20 per day$500$1,000$1,200
Lifetime Cover - Renewal GuaranteedYes OptionYes OptionYes Option
Cooling Off Period21 Days21 Days21 Days
Cancer TreatmentYes OptionYes OptionYes Option
Skin Conditions e.g. allergiesNo OptionYes OptionYes Option
After-hours emergency visitsYes OptionYes OptionYes Option
Specialist CareYes OptionYes OptionYes Option
Laboratory and diagnostic testsYes OptionYes OptionYes Option
HospitalisationYes OptionYes OptionYes Option
RadiologyYes OptionYes OptionYes Option
Medicines & drugsYes OptionYes OptionYes Option
SurgeryYes OptionYes OptionYes Option
Cruciate Ligament Conditions$2,600 Annual Limit$2,600 Annual Limit$2,600 Annual Limit
Hereditary and congenital conditionsNo OptionYes OptionYes Option
VaccinationsNo OptionNo Option$50
DesexingNo OptionNo Option$50
Overseas Pet Travel InsuranceYes OptionYes OptionYes Option
Dental CoverageNo OptionYes OptionYes Option
Waiting period for illness conditionsNo waiting period for Accidental Cover30 Days for illness condition30 Days for illness condition
Waiting period for cruciate6 months6 months6 months
Special OffersN/AN/AN/A
Multi-Pet DiscountYes OptionYes OptionYes Option

Like any insurance policy, there are exclusions which you must carefully read through. Product Disclosure Statement here.

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