There are three types of cover:
Accident only -
Covers accidents only, not illness (subject to the usual benefit limitations).
Accident and illness -
Covers accidents and illness (subject to annual benefit limits).
Routine care - This provides limited annual benefits for routine care treatments such as micro-chipping, teeth cleaning, council registration fees, desexing and heartworm control. It's available as an add-on to many of the accident and illness policies.