Limited injury and comprehensive illness cover for cats and dogs
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Description
- Insurer
- Medibank
- Policy
- Pet Max
- Underwriter
- PetSure (Australia) Pty Ltd
- Policy type
-
- Limited injury cover
- Comprehensive 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
- $30,000
- Benefit paid per claim
- 90% vet bill covered
Excesses
- Excess
-
- Choose excess from $0, $100, $250 or $500
- Higher excess not available with lower benefit limits
Covered events
- Injury
-
- Limited cover
- No waiting period <b>Covers these specified injuries only:</b>
- motor vehicle incident
- burn or electrocution
- reaction to bite from an insect, spider or scorpion
- near drowning incident
- bone fracture
- traumatic tooth fracture
- snake bite toxicity
- traumatic ligament or tendon injury
- bite wound or fight wound abscesses
- lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
- cruciate ligament condition
- ingestion of foreign object
- poisioning
- Illness
-
- Comprehensive cover
- 30 day waiting period
- Vet consults
- Covered
- Emergency treatment
- Covered
- Pre-existing conditions
- Can be covered if condition is temporary and pet is symptom-free for 18 months
Conditions
- Allergic reaction
- Covered
- Brachycephalic Airway Obstruction Syndrome
- Covered
- Behavioural conditions
-
- Up to $2000
- Limit combined with cover for dental and alternative therapies
- Some cover available under routine care option
- Cancer
- Covered
- Cruciate ligament conditions
-
- Covered as a specified injury
- Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
- Ear conditions
- Covered
- Eye conditions
- Covered
- Dental and oral health conditions
-
- Covered
- Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities, fractured teeth due to dental disease, immune-mediated stomatitis and oral tumours
- Up to $2000
- 6 month waiting period
- Treatment for gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease limited to scaling, polishing, dental x-rays and tooth removal
- Treatment for traumatic tooth fracture and immune-mediated stomatitis limited to tooth removal
- Does not cover orthodontics, root canal therapy, crowns, teeth, cosmetic surgery or corrective treatment
- Insurer requires annual routine dental check-ups
- Some cover available under routine care option
- Ingestion of a foreign object
- Covered as a specified injury
- Heart conditions
- Covered
- Orthopaedic conditions
-
- Covered
- Specifically covered injuries include bone fracture
- Patella luxation
- Covered
- Joint conditions
- Covered
- Intervertebral disc disease
- Covered
- Hereditary conditions
- Covered
- Pregnancy and obstetrics
- Not covered
- Illness caused by parasites
-
- Covered
- Cover includes tick paralysis
- Some cover for parasite prevention, testing and control available under routine care option
- Skin conditions
- Covered
- Snakebite
- Covered as a specified injury
- Vaccinatable Conditions
-
- Covered
- Vaccine benefit available under routine care option
Additional benefits
- Routine care
-
- Optional
- Up to $50 for two of: desexing, vaccinations or health checks, microchipping, heartworm preventative medication, dew claw removal, prescription diets, teeth cleaning, cremation or burial, council registration fees, alternative medication or obedience training
- Up to $45 for flea, tick or worm control
- Up to $10 for heartworm tests or blood screen
- Up to $10 for FeLV/FIV tests or urinalysis
- Alternative therapies
-
- Up to $2000
- Limit combined with cover for dental and behavioural conditions
- Some cover available under routine care option
- Lost animal
- Not covered
- Necessary euthanasia
- Covered
- Telehealth vet service
-
- Text or video call with vet
- Available 24/7
- Legal liability
- Not covered
Claims
- Howtoclaim
-
- Customer web portal
- E-claim (vet submits on your behalf)
- GapOnly (vet must opt in)
- Mail claim form (vet must fill out a section)
- Quickeasyclaims
-
- GapOnly
- Participating vet practices only
- Available Monday—Saturday 8am—10pm AET (excluding NSW public holidays)
- Directpayments
- GapOnly claims
