Insurance Disclosure Documents

Target Market Determination (TMD) - This document outlines who the insurance product may be suitable for, and any conditions around how the product can be distributed. It is designed to aid with decision making on your insurance needs. 

Product Disclosure Statement (PDS) - This provides information on what you are and are not covered for under a specific policy. It includes a description of the features, benefits, cost and risks associated with the policy.



Target Market Determinations


Effective from 5th October 2021, as part of Design and Distribution Obligations under Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019, we will include Target Market Determinations for Guild Insurance retail insurance products (which include Vets Choice insurance products)

What is a Target Market Determination (TMD)?


A TMD is a document created by Guild Insurance that sets out:

·       who is in our target market and who the product is not designed for;

·       any distribution conditions and restrictions for this product;

·       review periods and events that may trigger a review;

·       reporting obligations of our distributors

Guild Insurance is committed to a customer-centric approach when designing and distributing products. TMDs support our commitment to meet the needs of our customers by designing products that are consistent with the likely objectives, financial situation and needs of the customers for whom they are intended, i.e. our target market.

Product disclosure documents



Elite PDS