Comprehensive injury and illness cover for cats and dogs
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Description
- Insurer
- Knose
- 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
- 6 weeks
- Maximum age for new cover
- 8 years
- Maximum benefit per year
- Choose from $7500, $12500 or $25000
- Benefit paid per claim
- Choose from 70%, 80% or 90% vet bill covered
Excesses
- Excess
- Choose excess from $0, $100 or $200
Covered events
- Injury
-
- Comprehensive cover
- 1 day waiting period
- Illness
-
- Comprehensive cover
- 14 day waiting period
- Vet consults
- Optional
- Emergency treatment
- Covered
- Pre-existing conditions
- Can be covered if condition is temporary, fully cured and pet is symptom-free for 3–24 months (depending on condition)
Conditions
- Allergic reaction
- Covered
- Brachycephalic Airway Obstruction Syndrome
-
- Optional
- Insurer requires you to apply for cover
- No waiting period
- Behavioural conditions
-
- Optional
- Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
- 6 month waiting period
- Cancer
- Covered
- Cruciate ligament conditions
-
- Covered
- 6 month waiting period
- Ear conditions
- Covered
- Eye conditions
-
- Covered
- 6 month waiting period for cherry eye, entropion and ectropion
- Dental and oral health conditions
-
- Optional
- Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
- 14 day waiting period (pets under 1 year)
- 6 month waiting period (pets over 1 year)
- Treatment includes dental cleaning/scaling
- Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
- Ingestion of a foreign object
- Covered
- Heart conditions
- Covered
- Orthopaedic conditions
- Covered
- Patella luxation
-
- Covered
- 6 month waiting period
- Joint conditions
-
- Covered
- 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
- Intervertebral disc disease
-
- Covered
- 6 month waiting period
- Hereditary conditions
- Covered
- Pregnancy and obstetrics
- Not covered
- Illness caused by parasites
- Covered
- Skin conditions
- Covered
- Snakebite
- Covered
- Vaccinatable Conditions
-
- Covered
- Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
Additional benefits
- Routine care
- Pet care plans sold separately
- Alternative therapies
- Optional
- Lost animal
- Not covered
- Necessary euthanasia
- Covered
- Telehealth vet service
-
- Call or online chat with a registered vet nurse
- Available 24/7
- Legal liability
- Not covered
Claims
- Howtoclaim
-
- Customer portal
- Vet can email on your behalf
- Quickeasyclaims
- Directpayments
- 1
