Comprehensive injury and illness cover for cats and dogs
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Description
- Insurer
- Petcover
- Policy
- Catastrophe 1
- 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
- $5,000
- Benefit paid per claim
-
- Up to 8 years: 100% vet bill covered
- From 8 years: 80% vet bill covered
- From 10 years: 65% vet bill covered
Excesses
- Excess
- Choose excess from $450 or $900
Covered events
- Injury
-
- Comprehensive cover
- No waiting period
- Illness
-
- Comprehensive cover
- 30 day waiting period
- Vet consults
- Up to $400
- Emergency treatment
- Covered
- Pre-existing conditions
- Not covered
Conditions
- Allergic reaction
- Covered
- Brachycephalic Airway Obstruction Syndrome
-
- Covered
- Up to $3000
- 365 day waiting period
- Behavioural conditions
-
- Covered
- No cover for conditions caused by failure to provide training
- Cancer
-
- Covered
- Up to $2500
- 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
- Heart conditions
- Covered
- Orthopaedic conditions
-
- Covered
- Up to $1500 for osteochondritis dissecans (OCD)
- Patella luxation
-
- Covered
- Up to $1500
- Joint conditions
-
- Covered
- Covered treatments include hip/knee/elbow replacement
- Up to $1500 for hip dysplasia and osteochondritis dissecans (OCD)
- 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 internal/external parasite prevention or treatment
- Insurer requires pet to be vaccinated against ticks
- 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
-
- Optional for dogs only
- Up to $1000000
Claims
- Howtoclaim
-
- Email claim form
- Mail claim form
- Quickeasyclaims
- Directpayments
- 1
