Comprehensive injury and limited illness cover for cats and dogs
CHOICE Expert Rating
Unlock our expert review and more
Reviews you can trust
Easy side-by-side comparison
Recommended products at a glance
Scores
Results for paid members only
- CHOICE Expert Score
- Members only
- Cover score
- Members only
- Out of pocket score
- Members only
Description
- Insurer
- Coles
- Policy
- Essential
- Underwriter
- Guild Insurance Limited
- Policy type
-
- Comprehensive injury cover
- Limited 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
- $10,000
- Benefit paid per claim
- Choose from 80% or 100% vet bill covered
Excesses
- Excess
- Choose excess from $100 or $200
Covered events
- Injury
-
- Comprehensive cover
- 2 day waiting period
- Illness
-
- Limited cover
- 21 day waiting period <b>Covers these specified illnesses only:</b>
- cancer
- cruciate ligament condition
- joint dysplasia
- joint luxation
- Vet consults
- Covered
- Emergency treatment
- Covered
- Pre-existing conditions
- Can be covered if condition is fully cured
Conditions
- Allergic reaction
-
- Covered
- Covers allergic reaction to insect bite
- No cover for allergic reaction to tick/flea bite
- Brachycephalic Airway Obstruction Syndrome
- Not covered
- Behavioural conditions
- Not covered
- Cancer
-
- Covered as a specified illness
- 21 day waiting period
- Cover includes neoplasia, osteosarcoma and mast cell tumour
- No cover for tumours described as benign, pre-malignant or borderline malignant or of low malignant potential
- Cruciate ligament conditions
-
- Covered as a specified illness
- Up to $5300
- Cover includes any rupture or strain of the cruciate ligament, whether partial or complete and including cartilage tear and loosening of cruciate ligament
- 6 month waiting period
- Ear conditions
- Covered for injury
- Eye conditions
- Covered for injury
- Dental and oral health conditions
- Not covered
- Ingestion of a foreign object
-
- Covered
- Up to 1 incident per year
- Heart conditions
- Not covered
- Orthopaedic conditions
- Covered
- Patella luxation
-
- Covered as a specified illness
- 21 day waiting period
- Joint conditions
-
- Covered
- Cover includes joint dysplasia
- 21 day waiting period
- Intervertebral disc disease
- Not covered
- Hereditary conditions
- Covered
- Pregnancy and obstetrics
- Not covered
- Illness caused by parasites
-
- Covered
- Cover limited to tick paralysis
- No cover for conditions caused by endoparasites, worms, ectoparasites, ticks, fleas or skin mites
- Up to $3500 for tick paralysis
- 21 day waiting period
- Skin conditions
- Not covered
- Snakebite
-
- Covered
- No waiting period
- Vaccinatable Conditions
- Not covered
Additional benefits
- Routine care
- Not covered
- Alternative therapies
- Not covered
- Lost animal
- Not covered
- Necessary euthanasia
- Up to $1000
- Telehealth vet service
- Not covered
- Legal liability
- Not covered
Claims
- Howtoclaim
-
- Phone
- Web form (customer or vet can submit)
- Quickeasyclaims
- Directpayments
- 1
