Very restrictive injury and illness cover for cats and dogs
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Description
- Insurer
- Petcover
- Policy
- Economy
- Underwriter
- Sovereign Insurance Australia Pty Ltd
- Policy type
- Very restrictive injury and 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
- $7,000
- 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
- $175
Covered events
- Injury
-
- Very restrictive cover<b>
- No waiting period
- Treatment only covered for up to 12 months after accident
- If you renew, any previously treated injury or clinical sign becomes an excluded pre-existing condition
- Illness
-
- Very restrictive cover<b>
- 21 day waiting period
- Treatment only covered for up to 12 months after clinical sign first occurs
- If you renew, any previously treated illness or clinical sign becomes an excluded pre-existing condition
- Vet consults
- Covered
- Emergency treatment
- Covered
- Pre-existing conditions
-
- No
- Conditions treated in previous years are considered pre-existing conditions if you renew
Conditions
- Allergic reaction
- Covered
- Brachycephalic Airway Obstruction Syndrome
-
- Covered
- 12 month waiting period
- Behavioural conditions
-
- Covered
- No cover for conditions caused by failure to provide training
- Cancer
- Covered
- Cruciate ligament conditions
- Not covered
- 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
- Patella luxation
- Not covered
- Joint conditions
-
- Covered
- No cover for hip dysplasia
- Intervertebral disc disease
- Covered
- Hereditary conditions
- Covered
- Pregnancy and obstetrics
- Not covered
- Illness caused by parasites
-
- Covered
- Cover includes tick paralysis
- Insurer requires dogs to be vaccinated against ticks
- Skin conditions
- Covered
- 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
-
- Covered
- Up to $1000
- Lost animal
-
- Up to $1000 for advertising and rewards
- Up to purchase price of animal or $1500 for theft/straying (optional)
- 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
