PetSure Australia

PetSure traces its ownership to the Enthoven family, the billionaire lineage behind the Hollard insurance group, Nando's restaurant chain, and the Yellowwoods investment vehicle. Richard Enthoven founded Hollard Australia and co-founded PetSure. The firm operates alongside other jointly held Enthoven-family assets that include the BGL Group, co-owned with business partner Douw Steyn, and Trupanion, where PetSure partner Darryl Rawlings serves as CEO.

PetSure underwrites and administers pet insurance policies sold under the brands of more than 25 Australian and New Zealand companies. Partners like Medibank, Bupa, HCF, Petbarn, and AA in New Zealand bring distribution and customer relationships; PetSure provides the licensed underwriting capacity, claims processing, and pricing. The model means PetSure bears insurance risk while its partners focus on customer acquisition, creating a B2B2C revenue structure rather than a direct-to-consumer shopfront.

GapOnly® is PetSure's point-of-care claims settlement system that calculates a policy's benefit while the pet owner is still at the vet clinic. The owner pays only the shortfall between the vet's invoice and the approved claim amount, eliminating the need to pay the full bill upfront and wait for reimbursement. Over 1,200 vet clinics and specialist hospitals across Australia currently accept GapOnly®.

PetSure processes over a million claims per year — equivalent to one claim every 10 seconds — and pays out $1.2 million each day in veterinary cost reimbursements. The firm covers the treatment costs of roughly 4,000 pets daily, supporting close to half a million policyholders across Australia and New Zealand.

The Pet Health Monitor is PetSure's annual public report sourced from Australia's largest private database on pet health. Drawing on millions of de-identified claims records, the report tracks disease trends, breed-specific condition prevalences, and shifts in treatment costs. The 2025 edition was released in May 2025.

PetSure structures its policies into three core tiers. Accidental Injury Only policies cover defined events such as fractures or motor vehicle incidents. Combined Accidental Injury and Illness policies add cover for sickness, spanning from short-term infections to major surgery. A third category covers specified events — for example, illness cover tailored to indoor cats or plans targeting a short list of major accidental injuries and illnesses.

PetSure operates the PetSure PetCause foundation alongside the broader Enthoven-family philanthropic interest Yellowwoods Social Investments. Community partnerships extend to the Australian Veterinary Association, where PetSure sponsors industry events, and to emergency response programs, including extended insurance coverage for customers affected by Australian bushfires, floods, and cyclones.