What is a sub limit in pet insurance?

Keep seeing “sub limit” pop up in your pet insurance search? Learn what it means and discover how ExtrasJar’s no sub limit approach will benefit your wallet and companion.
Dog vet consultation

If you’ve been shopping around to find the best value pet insurance for your furry companion, you’ve probably stumbled across the term “sub limit”. In Australia, it’s unfortunately commonplace for pet insurers to scatter these sneaky claim ceilings throughout their policies, so it’s best to gain a firm understanding on how it could affect your wallet and companion.

Before we go on, the ExtrasJar team would like to say that we’re proud that when our pet insurance policies launch in early 2023, they’ll be without sub limits. It’s still important to know the ins and outs of all your options so you can make the best-informed decision.

Let’s dive in!

Unpacking the sub limit

A sub limit introduces a claim ceiling to certain pet treatments. This means that in a period of insurance, you will only be able to claim up to a set amount for a specific treatment, regardless of your annual benefit limit.

For example: paralysis tick treatment sub limits are usually around the $1,000 mark. Even if your annual benefit limit is $25,000, the most your insurer will cover is $1,000. 

Also known as a:

Condition limit

Benefit limit


Most common injury and condition treatments are influenced by a sub limit, notably cruciate ligament surgery, dental surgery and hip dysplasia. It makes you wonder – why choose a policy with a large annual benefit limit when sub limits disallow any true value for money to be realised? 

We’ve heard far too many horror stories of fellow Aussies being left out to dry by their traditional pet insurers and having to fork out-of-pocket unforeseen sums of cash to secure the health of their furry friends. Even worse, many have been completely unable to pay for the gap and been forced to see their companion go.

Examples of sub limits on common treatments

Cruciate ligament

Hip surgery

Tick paralysis 

Dental surgery 





Say goodbye to sub limits with ExtrasJar

When pioneering our new approach to pet insurance, there wasn’t a second of sympathy for the sub limit. ExtrasJar understands that they are unjust and extremely restrictive, placing undeniable stress on the wallets of every pet owner and doubt in the health of our furry best mates. 

But what does that look like? Well, there are simply no pay-out limits on any specific treatment. If Buster has a terrible accident and requires hip surgery that costs $10,000, that’s fair game. If you invested in a $10,000 or $25,000 policy you will receive our support the whole way. 

Is there anything else special about the ExtrasJar approach?

No sub limits

Say goodbye to extras limits and sneaky hidden costs. Claim up to your annual limit with confidence regardless of treatment or condition.

Self-insurance feature

Lower your premium with a self-insurance deposit up to $1000. It can be drawn upon to decrease claim costs. 

Grow you funds for the future

We’ll invest your self-insurance deposit in an ExtrasJar Managed Investment Scheme. This way, it has the potential to grow and further decrease out-of-pocket costs!

Deposit rollover

If Buster has a healthy year and you don’t have to claim, your self-insurance deposit will rollover to next year’s policy. This will provide ongoing lower premiums. 

Extras benefits

We know how important everyday pet health is. That’s why ExtrasJar’s unrestricted approach to extras is included as standard.

Consultation cover

The burden of a pet emergency is stressful enough. So, we naturally cover vet consultation costs so you can focus on connecting with the best care.

Unsure of anything?

Wherever possible, we try to make pet coverage easy for you. Whether you’re getting a quote or just curious about our processes, we’re here to make your ExtrasJar experience a good one.

Get in touch!