Comprehensive injury and illness cover for cats and dogs
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Description
- Insurer
- Budget Direct
- Policy
- Comprehensive
- Underwriter
- Auto & General Insurance Company Limited
- Policy type
- Comprehensive injury and illness cover
- Animals covered
- Cats and dogs
Cover summary
- Minimum age for new cover
- 8 weeks
- Maximum age for new cover
- 8 years
- Maximum benefit per year
- $15,000
- Benefit paid per claim
- 80% vet bill covered
Excesses
- Excess
- Choose excess from $100 or $200
Covered events
- Injury
-
- Comprehensive cover
- 2 day waiting period
- Illness
-
- Comprehensive cover
- 30 day waiting period
- Vet consults
- Covered
- Emergency treatment
- Covered
- Pre-existing conditions
- Can be covered if condition is cured and pet is symptom-free for 12 months
Conditions
- Allergic reaction
- Covered
- Brachycephalic Airway Obstruction Syndrome
-
- Covered
- No cover for pets under 1 year old
- Behavioural conditions
-
- Not covered
- Some cover available under routine care option
- Cancer
- Covered
- Cruciate ligament conditions
-
- Covered
- Up to $2600
- Cover includes osteoarthritis in a previously affected knee
- 6 month waiting period
- Ear conditions
- Covered
- Eye conditions
- Covered
- Dental and oral health conditions
-
- Covered for injury
- No cover for dental disease, removal of deciduous teeth, gingivitis, tartar or periodontitis
- Does not cover preventative dental care, cosmetic dentistry, cleaning or scale and polish
- Some cover available under routine care option
- Ingestion of a foreign object
-
- Covered
- Up to 2 incidents per year
- Heart conditions
- Covered
- Orthopaedic conditions
-
- Covered
- Up to $8000
- Patella luxation
- Covered
- Joint conditions
- Covered
- Intervertebral disc disease
-
- Covered
- 30 day waiting period
- Hereditary conditions
- Covered
- Pregnancy and obstetrics
- Not covered
- Illness caused by parasites
-
- Covered
- Cover limited to tick paralysis
- No cover for conditions caused by reasonably preventable parasites, internal parasites, worms, heartworm, external parasites, fleas or ticks
- Up to $1500 for tick paralysis
- 30 day waiting period
- Some cover for parasite control available under routine care option
- Skin conditions
- Covered
- Snakebite
-
- Covered
- Up to $1500
- Covers snake bite and strangling by snake
- 2 day waiting period
- Vaccinatable Conditions
-
- Covered
- Insurer requires up to date vaccination for canine distemper, canine parvovirus, canine kennel cough, canine hepatitis, canine adenovirus, feline herpes virus, feline calicivirus, feline enteritis and feline parvovirus and infections vet has recommended vaccination for
- Vaccine benefit available under routine care option
Additional benefits
- Routine care
-
- Optional
- Choose limit from $75 or $150
- Covers health checks; vaccinations; dental check-ups and scale/polish; flea, tick or worming treatments; blood and urine testing or alternative/complementary therapy
- Alternative therapies
-
- Not covered
- Some cover available under routine care option
- Lost animal
- Not covered
- Necessary euthanasia
- Covered
- Telehealth vet service
- Not covered
- Legal liability
- Not covered
Claims
- Howtoclaim
-
- Email claim form
- Mail claim form
- Web form (customer or vet can submit)
- Quickeasyclaims
- Directpayments
