Comprehensive injury and illness cover for cats and dogs
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Description
- Insurer
- Fetch
- Policy
- Pet Insurance
- Underwriter
- Pacific International Insurance 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
- 9 years
- Maximum benefit per year
- $30,000
- Benefit paid per claim
- Choose from 80%, 90% or 100% vet bill covered
Excesses
- Excess
- Choose excess from $0, $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
- Not covered
Conditions
- Allergic reaction
- Covered
- Brachycephalic Airway Obstruction Syndrome
-
- Covered
- 90 day waiting period
- Behavioural conditions
-
- Covered
- Insurer requires you to fulfil basic needs for training, socialisation, exercise, housing, nutrition and care; and that pet has no history of behavioural issues (e.g. aggression) before cover
- No cover for conditions caused by leaving pet alone for extended periods
- Cancer
- Covered
- Cruciate ligament conditions
-
- Covered
- 90 day waiting period
- Ear conditions
- Covered
- Eye conditions
-
- Covered
- 90 day waiting period for cherry eye
- Dental and oral health conditions
-
- Covered
- No cover for pre-existing issues with baby teeth
- Covered treatments for misaligned baby teeth and retained permanent teeth includes removal
- Does not cover dental health checks, routine dental care, descale and polish, prophylaxis, x-rays to assess dental health, toothbrushes, toothpaste or mouthwash
- Insurer requires no history of periodontal disease before joining and for pet to have annual dental checkups
- Ingestion of a foreign object
- Covered
- Heart conditions
- Covered
- Orthopaedic conditions
-
- Covered
- Covered treatments for osteoarthritis include stem cell therapy
- Patella luxation
-
- Covered
- 90 day waiting period
- Joint conditions
-
- Covered
- Covered treatments include hip/elbow/knee replacements
- Intervertebral disc disease
- Covered
- Hereditary conditions
- Covered
- Pregnancy and obstetrics
- Not covered
- Illness caused by parasites
-
- Covered
- Insurer requires you to use parasite prevention products, in line with manufacturer's instructions
- Skin conditions
- Covered
- Snakebite
- Covered
- Vaccinatable Conditions
-
- Covered
- Insurer requires up to date vet-recommended vaccinations or valid anitbody test for the disease
- Does not cover vaccinations
Additional benefits
- Routine care
- Not covered
- Alternative therapies
- Covered
- Lost animal
- Covers social media campaign run by insurer and targeting people in your postcode
- Necessary euthanasia
- Covered
- Telehealth vet service
-
- In-app chat with a vet
- Available 24/7
- Legal liability
- Not covered
Claims
- Howtoclaim
-
- App
- Fast Claims in app (if customer and vet opt in)
- Quickeasyclaims
-
- Fast Claims (customer must opt in on app)
- Participating vet practices only
- Available weekdays 9am—5pm, Saturday 9am—3pm, Sunday 9am—1pm
- Directpayments
- Fast Claims claims
