Guide Dogs Premium Care is an Australian pet-insurance plan for cats and dogs, with a $20,000 annual benefit and reimbursement of up to 85% of eligible vet bills. Those headline figures come with exclusions, waiting periods and per-treatment limits. The plan also advertises third-party liability cover of up to $1 million, but only for Registered Guide Dogs—not ordinary pets.
Whether it suits your pet depends on its age, breed, medical history and the cover you need. Compare a personalized quote with the policy’s Certificate of Insurance and wording before buying.
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What is Guide Dogs Premium Care?
Premium Care is one tier of Guide Dogs Pet Insurance, an Australian policy covering cats and dogs. The insurer’s corporate disclosures identify The Hollard Insurance Company Pty Ltd as issuer, Greenstone Financial Services Pty Ltd as distributor and promoter, Royal Guide Dogs Australia as its authorized representative, and PetSure (Australia) Pty Ltd as administrator. The insurer says the product supports Guide Dogs Australia’s work; that is the insurer’s statement, not an independent assessment of charitable impact. Guide Dogs Pet Insurance
The insurer’s current comparison lists a $20,000 annual benefit, reimbursement of up to 85% of eligible costs, and a choice of $0 or $50 excess. These are plan-level headline figures: exclusions, eligibility rules, sub-limits and the selected policy’s Certificate of Insurance determine what is actually payable. Guide Dogs plan comparison
#1 Best Overall
- [PRODUCT DIMENSIONS] Pet travel carrier size : 17x11x11 inches, recommended up to 15 lb pets, it is suitable for large, medium cats and small dogs. Please don't choose your airline cat carrying case based on weight, please refer to your pet's length and height when choosing a pet carrier size.
- [AIRLINE APPROVED] This cat carrier is designed with airline approved, it can fit comfortably under most flight seats, we can take our pets wherever we want. Dog travel carrier offers two attachment loop handles that can be used as a dual harness or as a luggage strap for balanced carry and secure transport.
- [EXCELLENT MATERIAL] Collapsible cat carrier is made of polyester fabric, supported by a steel ring, washable, wear-resistant and durable. The three sides and the top of this pet carrier are nylon mesh, scratch-resistant and not easy to damage, it can not only check your pet in real time, but also ensure enough air circulation.
- [SAFE AND COMFORTABLE] Dog travel bag has metal zippers on the top and side entrances, durable and not easy to deform, it allows your pets to enter and exit easily. The cat carrying case is equipped with an anti-escape safety buckle, which can effectively prevent pets from accidentally falling. It is suitable for car rides and vet rides.
- [PORTABLE AND FOLDABLE] Pet travel carrier comes with a detachable and hand washable wool pet bed, it can provide a comfortable sleeping space for your traveling pet. The cat travel case comes with an adjustable shoulder strap and handle for easy portability. When not in use, you can fold it up for storage.
New cover is shown as available for pets from eight weeks old to younger than nine years. A pet insured before turning nine may continue to be covered for life if the policy remains in force and the product continues to be offered. Because an older CHOICE review page lists an $8 maximum age for new cover, check the insurer’s current eligibility information and your quote rather than relying on that older figure. CHOICE review
What is covered?
Illness and specified accidental injury
Illness cover includes examples such as cancer treatment; skin, eye and ear conditions; foreign-object ingestion; gastrointestinal problems; hereditary and congenital conditions; intervertebral disc disease (IVDD); and tick paralysis. Coverage remains subject to exclusions and the policy’s terms. The illness waiting period is 30 days from the start of the first policy period. Guide Dogs FAQ
The injury benefit is called “Specified Accidental Injury,” not all-accident cover. The insurer lists events including motor-vehicle incidents, burns or electrocution, insect or arachnid bite reactions, fractures, snake-bite toxicity, traumatic ligament or tendon injuries, bite or fight wound abscesses, and lacerations or abrasions caused by external violence. Check the policy wording to see whether an incident fits a listed event. Guide Dogs FAQ
Rank #2
- Hard sided pet carrier with 2 doors for front and top entry; suitable for cat or medium size dog weighing 12 - 20 pounds
- Durable plastic construction with steel wire doors; screws keep the top and bottom sections securely connected
- Spring load latches ensure easy one-handed door opening and closing; top door swings open to the left or right and includes a top carry handle
- Plenty of air ventilation on the sides, top, and back of the carrier
- Note: Be sure to measure the size of the pet when choosing carrier size
Other listed benefits
The plan comparison lists after-hours emergency visits, diagnostics, hospitalization, radiology, medicine and drugs, emergency boarding, essential euthanasia, and treatment received in New Zealand or Norfolk Island among its features, subject to policy terms and limits. It says customers can visit any registered vet in Australia. Guide Dogs plan comparison
How much of my vet bill will be covered?
The 85% benefit percentage is not a promise to reimburse 85% of every invoice. The amount payable depends on eligible costs, the chosen excess, exclusions and applicable sub-limits. The insurer’s comparison lists these Premium Care limits:
| Benefit | Listed Premium Care limit |
|---|---|
| Annual benefit | $20,000 per year |
| Reimbursement | Up to 85% |
| Excess options | $0 or $50 |
| Cruciate ligament conditions | $3,200 |
| Consultations, including home visits | $300 |
| Tick paralysis | $2,000 per year |
| Emergency boarding | Up to $1,200 |
These are advertised plan figures from the insurer’s comparison page accessed in 2026, not a guarantee that every claim will receive that amount. The Certificate of Insurance and policy wording for the selected cover control. Guide Dogs plan comparison
Rank #3
- High Quality Design：Sturdy steel cage structure and wooden support board maintain good spatial stability and shape. Breathable mesh windows on four sides,which can ensure good air circulation and views,make pets have a comfortable and safe travel.It can also be easy for you to check on your pets.There is a front pocket to store pet toys,treats,etc.
- Dimension and Weight：Made of durable tear-resistant fabric.Four easy entrances for pets. Dimensions: 17 inch x 11 inch x 11 inch (L*W*H), suitable for pets up to 16 lbs.Please don't choose your carrier based on weight only,consider your pet's length and height when choosing a carrier.
- Airline Approved & Safty：Can be placed under the seats of most airplanes(Four non-slip feet on the bottom to prevent movement), and comfortably on the seat next to you in a car or bus.It has a adjustable shoulder strap.Can also be fastened to the car seat with a safety belt or shoulder strap to keep your pet safe.
- Easy to Clean ：You can clean the stains and dirt on the surface with a soft cloth.Soft mat inside the pet carrier is removable and washable.You can take it out and wash it easily to solve all stains.
- Easy to Collapsible & Lightweight：When not in use,fold it into a flat,space saving and easy to store.Only 2.2lbs,it's easier to carry around.It can also used as a toy of pet house,allowing pets to play in a safe space to relax and rest.
Waiting periods matter
Illness cover has a 30-day waiting period. Cruciate ligament conditions have a six-month waiting period, which the insurer says may be waived on application. A condition that develops during a waiting period may be treated as pre-existing under the policy terms. Guide Dogs plan comparison Guide Dogs FAQ
What isn’t covered?
The insurer’s FAQ identifies pre-existing conditions, dental procedures, fractured teeth, routine or preventive treatment unless an optional Routine Care contribution applies, some elective procedures, and breeding or obstetrics among key exclusions. The policy booklet also excludes pet accessories such as pill poppers, crates, bedding and collars. Read the definitions and exclusions in the policy wording; an item being mentioned as a possible treatment does not make its full cost eligible. Guide Dogs FAQ Guide Dogs policy documents
Hereditary and congenital conditions may qualify only where there were no noticeable signs, symptoms or abnormalities before the first policy period or during an applicable waiting period. Ongoing chronic, recurring or lifelong conditions may continue to be covered while the policy is renewed without a break and the product remains available, subject to annual limits and the pre-existing-condition rules. Guide Dogs FAQ
Rank #4
- Pet Carrier: 17.5” L x 11” W x 11” H, Recommended max load of 16 lbs cats small dogs. Please do not choose your carrier based on weight--please reference your pet's length and height in selecting a pet carrier size.
- Fits for under-seat dimensions of most airlines. Every airline has a specific set of rules and regulations, please contact with airline before flying with your cats small dogs.
- Mesh windows for ventilation, top and side entry with locking zippers for safety. Carrying handles, adjustable shoulder strap which can also be used as seatbelt, and back strap can fasten the pet carrier to your luggage.
- Pet carrier comes with a removable base insert, which creates a solid surface for your pet to stand on, along with a removable & hand washable cozy fleece pet bed, which offers a cozy sleeping space for your traveling cats small dogs.
- "Toys for pets, of textile materials". Mostly used as a Toy of Fabric Pet Home for pets playing and relaxing.
Are there benefits towards preventative treatment?
Premium Care alone does not broadly cover routine or preventive care. The optional Routine Care benefit provides limited contributions in specified categories. The insurer’s comparison lists $15 for a heartworm test or blood screen, $15 for a FeLV/FIV test or urinalysis, and $50 per year for one eligible routine treatment. Guide Dogs plan comparison
Depending on the current schedule, eligible treatments may include desexing, microchipping, heartworm preventative medication, teeth cleaning, dental illness treatment, vaccinations or health checks, council registration, prescription diets, alternative therapies, dew claw removal, cremation or burial, behavioural therapy, obedience training, and flea, tick or worm control. The list and limits are not a promise that all these costs can be claimed together: check the current schedule and which option appears on your Certificate of Insurance. Guide Dogs plan comparison
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There is no single current premium that applies to every pet. The insurer says the price depends on factors including cover, excess, benefit percentage, species, breed, age and business costs. Renewal pricing also considers the pet’s age and breed and health data for similar pets; the FAQ says premiums increase each year. Get an individualized quote and compare it with the benefit limits and optional Routine Care cost. Guide Dogs FAQ
Best Value
- AIRLINE APPROVED CARRIER - With airline-approved design, you can take your pet to go to everywhere. This pet carrier provides two connecting loop handles for balanced carrying as a dual seat belt or luggage strap to secure transport
- SAFETY DESIGN - The adjustable shoulder strap help you hands-free carrying and makes it more safe and convenient pet carrier bag for your travel
- DURABLE - This cat carrier is made of durable and lightweight polyester fabric. The four-side mesh will not only give a safe and comfortable travel for your pet, but also easy for you to check on your pet
- PORTABLE & FOLDABLE - This dog carrier is easy to carry and store, which has a padded shoulder strap and handles
- BOTH SIZES AND WEIGHTS - The mediun cat carrier is designed for small and medium pets within 15" x 9" x 9"(smaller than product) and 15 lbs. Please do not choose your carrier only based on weight. Reference your pets' length and height in selecting a carrier size.If carried on board, the maximum dimensions should not exceed 18IN*11IN*11IN.
Finder’s review, updated 10 March 2026, includes illustrative dog quote examples based on sample prices updated in July 2025. Those examples were for a five-year-old male dog in New South Wales, with specified breeds and a $100 excess. Finder notes that price varies with factors including breed, age, cover, excess, location and desexing status; its dated examples are not current quotes for other pets. Finder review
Can my pets still visit their usual vet?
The insurer’s plan comparison says customers can use any registered vet in Australia. Confirm that your clinic meets the policy’s registration requirements, and keep invoices and clinical records needed for a claim. Guide Dogs plan comparison
Does the liability benefit cover every dog?
No. The advertised third-party liability benefit of up to $1 million is restricted to Registered Guide Dogs. The insurer defines a Registered Guide Dog as a dog supplied by a Guide Dogs Australia state member organization to a person for mobility support. The benefit is not listed for ordinary pet dogs or cats. Guide Dogs plan comparison Guide Dogs FAQ
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How to compare a quote with your pet’s needs
- Check eligibility first. Confirm your pet’s age, species and other details against the current quote and policy documents.
- Compare the full cost-sharing structure. Look at the annual benefit, reimbursement percentage and excess together, not as isolated headline numbers.
- Check the conditions most likely to affect a claim. Review the specified accidental-injury events, illness and cruciate waiting periods, and the cruciate, consultation, tick-paralysis and emergency-boarding limits.
- Read exclusions against your pet’s history. Disclose relevant symptoms and prior conditions, and check the rules for dental care, preventive treatment, hereditary conditions and ongoing conditions.
- Price Routine Care separately. Compare its additional cost with the limited contributions and treatment categories on your Certificate of Insurance.
- Use the policy documents, not a headline summary, to decide. The insurer’s document page says: “Any advice provided is general only and does not take into account your individual objectives, financial situation or needs.” It asks readers to consider the PDS before purchase. Guide Dogs document page
CHOICE’s publicly accessible review page does not show its expert score, cover score or out-of-pocket score to non-members, so there is no public numerical rating to cite from that page. CHOICE review
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
