Comprehensive injury and illness cover for cats and dogs
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Description
- Insurer
- Coles
- Policy
- Ultimate
- Underwriter
- Guild Insurance 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
- Choose from $10000, $15000, $25000 or $40000
- Benefit paid per claim
- Choose from 80% or 100% vet bill covered
Excesses
- Excess
- Choose excess from $100, $200 or $500
Covered events
- Injury
-
- Comprehensive cover
- 2 day waiting period
- Illness
-
- Comprehensive cover
- 21 day waiting period
- 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
- Covered
- Behavioural conditions
-
- Not covered
- Some cover available under routine care option
- Cancer
-
- Covered
- 21 day waiting period
- Cruciate ligament conditions
-
- Covered
- Up to $5300
- 6 month waiting period
- Ear conditions
- Covered
- Eye conditions
- Covered
- Dental and oral health conditions
-
- Optional
- Cover limited to gingivitis, abscesses, tooth fracture, cavities, dental disease arising from infection and tooth resorption
- Up to $800
- 6 month waiting period
- Treatment of tooth fracture, cavities, dental disease arising from infection and tooth resorption limited to restoration of canine and carnassial teeth (including orthodontic treatment, crowns and root canals) and tooth removal
- Does not cover corrective treatment or cosmetic surgery
- Insurer requires annual routine dental check-ups/treatment
- Some cover available under routine care option
- Ingestion of a foreign object
-
- Covered
- Up to 1 incident per year
- Heart conditions
- Covered
- Orthopaedic conditions
- Covered
- Patella luxation
- Covered
- Joint conditions
-
- Covered
- Cover includes joint dysplasia, elbow dysplasia, hip dysplasia, hyperextending hocks and degenerative joint disease
- Intervertebral disc disease
- 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
- Covered
- Snakebite
-
- Covered
- No waiting period
- Vaccinatable Conditions
-
- Covered
- Insurer requires regular vaccination for Feline infectious enteritis, feline leukaemia, cat flu, distemper, hepatitis, parvovirus, kennel cough and leptospirosis and any other vaccination recommended to you by a vet
- Vaccine benefit available under routine care option
Additional benefits
- Routine care
-
- <b>Routine Care Lite option:</b>
- Up to $150 per year
- Up to $80 for consultations or vaccinations <b>Routine Care Plus option:</b>
- Up to $250 per year
- Up to $80 for behavioural therapy, consultations, vaccinations, dental check-up or alternative/complementary therapies
- Alternative therapies
-
- Not covered
- Some cover available under routine care option
- 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
