NRMA Pet Plus and NRMA Pet Lover’s Pack are NRMA pet insurance packages available as add-ons to existing NRMA Insurance customers. They do not offer specific pet insurance policies.
These additional benefits for home and car insurance will, however, cover your pets in case of injury or emergency at home or while travelling.
NRMA Pet Insurance Review
NRMA Pet Plus is an add-on to your car insurance and works similarly to accident or vehicle breakdown cover. The coverage means that if your pet is travelling with you, they are covered in the same way that you are, for boarding, or treatment following an incident. Below, we’ll look at how it works, and the difference between NRMA Pet Plus and the NRMA Pet Lover’s Pack.
NRMA Pet Plus Insurance Pros and Cons
✓ Pros
- Pet Lover’s Pack covers up to $2,000 in vet costs for an accident or boarding after an incident
- Pet Plus covers the cost of boarding
- Pet transport up to $200 per incident
- Pet accommodation up to $160 per night, $500 per incident
- Long-distance transport up to $1,000 per incident if over 100km from home
- Access to a national network of vets and pet service providers
✗ Cons
- Coverage for dogs and cats only
- Not medical insurance — will not cover routine care or medical conditions
What Does NRMA Pet Plus Insurance Cover?
NRMA Pet Plus is roadside cover for your pets, much like a vehicle breakdown cover. If you break down away from home and need boarding, your cover can include that as a service, just as they would for you following an accident. NRMA Pet Plus covers your pets in the same circumstances so that they can be treated at a national network of vets, and be boarded for the night where necessary.
What pets does NRMA Pet Plus cover?
NRMA Pet Plus only covers cats and dogs when added to your existing insurance policy, and should not be treated as a replacement for standard pet insurance.
Does NRMA Pet Plus cover older dogs?
Because Pet Plus and the Pet Lover’s Pack are not medical insurance, they cover pets of all ages, and your package can start at any time. This is because they will not cover pre-existing conditions, and do not offer support with routine care, illness, or accidents other than those related to your existing insurance on eligible incidents. The Pet Lover’s Pack will pay some vet bills, but Pet Plus will not. Refer to our guide if you’re looking for information on insurance for older dogs.
Customer Support & Perks with NRMA Pet Plus
Customer support is generally rated positive by NRMA, particularly around their Pet Plus benefits. For any insurer to offer pet care in a stressful time, with relatively simple T&Cs, is logical — but when it’s needed, it’s a godsend. If you have a home or car policy with them, make sure to add Pet Lover’s Pack or Pet Plus to your cover to avoid disappointment.
NRMA Pet Plus Vs Pet Lover’s Pack
There are two add-ons for pets available from NRMA Insurance, and it’s worth being clear on which does what:
- NRMA Pet Plus — an add-on for vehicle insurance that does not cover veterinary costs. It covers pet transport up to $200 per incident (or long-distance transport up to $1,000), and pet accommodation up to $500 per incident or $160 per night. They also have a network of national vets for emergency support.
- NRMA Pet Lover’s Pack — an add-on to home insurance that does cover some medical costs. If your pet is hurt in an accident at home, they’re covered up to $2,000 in vet costs. If your home is uninhabitable for an insured event, your pet’s boarding is included for as long as the policy allows. Most usefully, if your cat or dog causes insurable damage to your home, the costs are covered under your existing policy (homeowners in SA, WA and NT are not eligible for cover for damage caused by pets).
Final Thoughts on NRMA Pet Insurance Review
NRMA’s Pet Plus and the Pet Lover’s Pack are excellent perks of insuring with NRMA. They are an additional cost on top of existing insurance, but it means you can tailor your home and vehicle insurance to your needs. If you travel regularly around the country, NRMA pet insurance add-ons are an invaluable addition to your insurance policy.
