Comprehensive injury and illness cover for cats and dogs
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Description
- Insurer
- Petcover
- Policy
- Core
- 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
- Choose from 70%, 80% or 90% vet bill covered
Excesses
- Excess
- Choose excess from $0, $100 or $200
Covered events
- Injury
-
- Comprehensive cover
- No waiting period
- Illness
-
- Comprehensive cover
- 28 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
- 365 day waiting period
- Behavioural conditions
-
- Not covered
- Some cover available under routine care option
- Cancer
-
- Covered
- Up to $5000
- 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
- Some cover available under routine care option
- 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 $4000 for hip dysplasia
- Intervertebral disc disease
- Covered
- Hereditary conditions
- Covered
- Pregnancy and obstetrics
- Not covered
- Illness caused by parasites
-
- Covered
- Cover includes tick paralysis
- Up to $2000 for tick paralysis (first claim)
- Up to $1000 for tick paralysis (subsequent claim)
- Some cover for parasite testing and control available under routine care option
- 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
- Vaccine benefit available under routine care option
Additional benefits
- Routine care
-
- Optional
- Up to $50 for one of: desexing, microchipping, heartworm, behavioural therapy, teeth cleaning, council registration fees, alternative therapies, prescription diets, dew claw removal or dog training at a recognised training centre
- Up to $45 for flea or worm control
- Up to $30 for vaccinations or health check
- Up to $10 for heartworm test or blood screen
- Up to $10 for FeLv/Fiv Test or urinalysis
- Alternative therapies
-
- Not covered
- Some cover available under routine care option
- Lost animal
- Not covered
- Necessary euthanasia
- Not covered
- Telehealth vet service
- Not covered
- Legal liability
-
- Covered for dogs only
- Up to $1000000
Claims
- Howtoclaim
-
- Email claim form
- Mail claim form
- Quickeasyclaims
- Directpayments
- 1
