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CoverMy Pet Light review

Comprehensive injury and illness cover for cats and dogs

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Description

Insurer
CoverMy Pet
Policy
Light
Underwriter
Sovereign Insurance Australia Pty Ltd
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
7 years
Maximum benefit per year
$2,000
Benefit paid per claim
85% vet bill covered

Excesses

Excess
$100

Covered events

Injury
  • Comprehensive cover
  • No waiting period
Illness
  • Comprehensive cover
  • 28 day waiting period
Vet consults
Up to $300
Emergency treatment
Covered
Pre-existing conditions
Not covered

Conditions

Allergic reaction
Covered
Brachycephalic Airway Obstruction Syndrome
  • Covered
  • 365 day waiting period
Behavioural conditions
Not covered
Cancer
  • Covered
  • Up to $1500
Cruciate ligament conditions
  • Covered
  • Up to $1500
  • 6 month waiting period
Ear conditions
Covered
Eye conditions
Covered
Dental and oral health conditions
  • Covered
  • No cover for luxation, horizontal bone loss, impacted teeth or embedded teeth, gingival hyperplasia, malocclusion, linguoversion, wry bite, supernumerary teeth, reverse scissor bite, posterior cross bite, anterior crossbite, overbite, brachygnathia, open bite or level bite
  • Does not cover periodontics, dental check-ups, comprehensive oral health assessment and treatment (COHAT), dental x-rays, dental prophylaxis, dental scale/polish, teeth cleaning, gingival curettes, removal of plaque/calculus, periodontal surgery, dental sealants, dental vaccines, prosthodontics, removal/repair of misaligned/retained deciduous teeth, orthodontic appliances, crowns, caps/splints, root canal or orthodontics
  • Covers conditions caused by complications from routine dental treatment
  • Insurer requires annual dental examination/treatment
Ingestion of a foreign object
  • Covered
  • Up to 1 incident per year
Heart conditions
Covered
Orthopaedic conditions
  • Covered
  • Does not cover orthopaedic supports/braces
Patella luxation
Covered
Joint conditions
  • Covered
  • Up to $1500 for hip dysplasia
Intervertebral disc disease
Covered
Hereditary conditions
Covered
Pregnancy and obstetrics
Not covered
Illness caused by parasites
  • Covered
  • Cover includes tick paralysis
  • Insurer requires dogs to be vaccinated against ticks
  • Up to $1000 for tick paralysis (first claim)
  • Up to $750 for tick paralysis (subsequent claim)
Skin conditions
  • Covered
  • Up to $500
Snakebite
Covered
Vaccinatable Conditions
  • Covered
  • Insurer requires vaccination for distemper, hepatitis, parvovirus, kennel cough, leptospirosis, ticks, Feline infectious enteritis, feline leukaemia and cat flu and any other vaccination recommended by vet

Additional benefits

Routine care
Not covered
Alternative therapies
Not covered
Lost animal
Not covered
Necessary euthanasia
Not covered
Telehealth vet service
Not covered
Legal liability
Not covered

Claims

Howtoclaim
  • Email claim form
  • Mail claim form
Quickeasyclaims
Directpayments
1

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Jodi Bird

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE's Australian Financial Services License.

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE's Australian Financial Services License.