Insurance for Veterinarians

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Mon – Fri 8:30am - 5:30pm AET

Why do Veterinarians need insurance? 

As a veterinarian, you take care of your customers’ furry best friends. You work long and irregular hours to diagnose health problems, vaccinate against diseases, set fractures, treat and dress wounds, perform surgery, and advise owners about their pets’ breeding, behaviour and feeding.

Pet owners naturally get upset if something goes wrong during a routine visit. In this case, you may end up facing allegations of malpractice, even though you've done everything possible to provide a good standard of care. Aon's vet insurance policy addresses the everyday needs of veterinarians. It's a comprehensive professional indemnity and public liability policy to protect a vet's practice, reputation and assets in the event of a claim or dispute

Why choose Aon for Veterinarians insurance?

When it comes to insurance for Veterinarians, there are a few options available to you, and deciding which ones you need might not be easy. Aon is committed to making life easier for you by arranging insurance that’s easy to understand, buy and manage, so you can get quotes and take out a policy online in just a few clicks. Or if you do need help, our team of friendly experienced brokers are a phone call away to help you understand what insurances you may or may not need, but more importantly, why. Helping give you confidence that you’re making a better decision for you and your business.

What insurance do Veterinarians need?

Professional Indemnity
This provides cover in the event a third party alleges that you have been negligent in performing your services or giving advice, and as a result, they have suffered injury or financial loss. For example, a client may allege your treatment of their pet caused further pain, and they are suing you for financial compensation.

Professional Indemnity Insurance for Veterinarians arranged through Aon includes the following:

•2 hours complimentary legal advice1
•Flexible professional indemnity cover limits of $5 million, $10 million or $20 million any one claim1
•No excess on certain claims, where stated in the Schedule1
•Unlimited retroactive date, where stated in the Schedule (and excluding known claims and circumstances) 1 •Complimentary Run-Off Cover for 3 years1
Public Liability
Public Liability Insurance helps protect your business against liability for third-party personal injury or property damage arising out of your business activities. For example, if a client or visitor was to slip and fall while on your business premises, you would look to this policy to cover the claim.

While these events may seem rare, if they do occur, the financial impacts can be very significant. As a Veterinarian your profession involves significant interaction with clients, therefore Public Liability is a crucial cover for your business, whether that’s at your office, out in public, or at your clients’ homes.1
Business Insurance
Business Insurance is designed to protect your business and its assets (including equipment) against certain unexpected events. For example it can include cover for damage to business premises and/or equipment caused by fire, storm, theft and other insured events.1

A key part of this policy is Business Interruption, which can provide protection for lost revenue in the event your business is unable to operate as usual due to an insured peril.

Business Insurance is made up of a number of cover sections, and you can choose the sections that relate to your business. Cover is also available for damage to money (if you keep cash on premises), portable contents such as mobile phones and laptops, and Public Liability
Cyber Insurance
Cyber insurance helps protect you against certain cyber related threats, such as unauthorised access to your computer system or network resulting in loss or theft of data.

As a Veterinarian, you may store valuable client data (such as personal details, bank account details, animal health records and ID documents such as passports and drivers’ licences). When this type of personal information is kept digitally in your care, custody or control, it is important to consider the risks of data and security breaches. Cyber insurance may be worth considering when protecting your business against these risks.1

Veterinarians insurance benefits through Aon

Combined Professional Indemnity and Public Liability
Select a Professional Indemnity cover level from $1m to $10m to help protect against legal costs and claims, for damages to third parties, that have arisen as a result of an act, omission or breach of your professional work duties. Features include:

  • No excess for claims relating to Domestic Animals
  • Disciplinary Enquiries cover sub limit $250,000
  • Artificial Insemination sub limit $50,000
  • Up to $50,000 in investigation costs for breaches of OH&S Regulations
  • Cover for errors of your locums while in your employment
  • Loss of documents sub limit $250,000

Select a Public Liability cover level of $10m or $20m to help protect against claims for personal injury and/or property damage to third parties that have arisen as a result of your negligence.

Add-on: Employment Practices Liability The policy can be extended to cover claims that relate to employees; such as discrimination, wrongful dismissal or harassment. Limit of $500,000 available.

Add-on: Fidelity cover The policy can be extended to include claims arising from dishonest or fraudulent conduct of an employee.


Frequently Asked Questions
Here are answers to some commonly asked questions by Veterinarians.
When will I receive my certificate of currency?
When you purchase your insurance online you will receive your certificate of currency in minutes to your elected email address. If you purchase your insurance with one of our experienced brokers the time line may vary.2
How do I make a claim?
You will find details of how to make a claim in the policy wording you receive from us. However, we also appreciate that having to make a claim can be a stressful time which is why as your advocate we are always on hand to help with any questions. Please do not hesitate to call us on tel 1800 806 493 during business hours.
What if I need to make a change to my policy?
It is important to keep your policy up to date with the changing shape of your business but also to keep your business and personal information up to date in the event of a claim.

Should your business circumstances change, for example you have moved into new premises or you have changed the services that you offer and you are not sure if your existing insurance covers it anymore then you can always call one of our experienced friendly brokers to discuss on tel 1800 806 493.
Explore more FAQs
How do I renew my policy?
Your renewal offer will be sent to you via your elected email address approximately 30 days before your renewal date. It is important at this stage to review the details of our offer carefully (remember pricing and coverage levels may have changed so it is important to review). If you are happy with the offer and wish to accept, it is important that you pay for your renewal by the date specified on the tax invoice. Thank you for looking into renewing your policy through Aon. It is greatly valued that you are pleased with the level of service and coverage you receive.

What should I do if I have not received my certificate of currency or renewal offer/documents?
​Please accept our apologies. At Aon we strive to deliver best in class service, so we are sorry to hear you have not received your documents. Please contact us on tel 1800 806 493 or mail to and we will look to send your documents as soon as possible.

What are your opening hours?
​Our opening hours are 8.30am to 5.00pm Monday to Friday (AET, except public holidays). If you need to contact us out of hours you can email us at and we will pick up your query on the next business day.

Can I pay for my policy monthly?
Yes you can, monthly payments can be arranged through a premium funding agreement with Hunter Premium Funding3 to help you spread the costs of your insurance across the year. Please note that the total overall cost is higher if you pay monthly. Contact us on tel 1800 806 493 or by email on


Ways to get in touch

Call 1800 806 493

8:30am - 5:00pm AET
Mon - Fri (except public holidays)
1Subject to the full terms, conditions and limits of the policy. Please review the full policy wording for more information. 

2We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox. 

3Hunter Premium Funding is a third party independent of Aon, however Aon will receive a commission if you pay for your policy through a premium funding agreement with them. 

In arranging the Professional Indemnity and Broadform Liability Policy Wording, Aon has a binder agreement under which we are authorised to commit Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance (CGU) to providing cover without reference to them. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG or provided upon request. When acting under a binder we will be acting under an authority given to Aon by the insurer and will be affecting the insurance contract as agent of the insurer and not as your agent. Our binder arrangements with the insurer are such that we remain your agent in the handling of any claim