Petcover Entry pet policy
Comprehensive injury and illness cover for cats and dogs.

- Insurer
- Petcover
- Policy
- Entry
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Underwriter
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This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a dispute to AFCA about them.
- Sovereign Insurance Australia Pty Ltd
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Policy type
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- Comprehensive policies are covered for most conditions, with a few exclusions.
- Limited policies are only covered for the conditions specified by the insurer.
- Comprehensive injury and illness cover
- Animals covered
- Cats and dogs
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Minimum age for new cover
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Insurer won't cover animals younger than this.
- 8 weeks
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Maximum age for new cover
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The insurer won't sell a new policy for animals older than this.
- 7 years
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Maximum benefit per year
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The total amount the insurer will pay per year. Some policies also have a limit per condition. Some benefits, such as routine care, are paid on top of this amount.
- Cats: $9000
Dogs: $10000 -
Benefit paid per claim
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Percentage of the claim the insurer pays. For example, if your policy has an 80% benefit and you have a $1000 vet bill, you pay $200 (plus excess) and the insurer pays the rest. Choosing a lower benefit percentage will typically reduce your premium, but leave you more out of pocket when you make a claim.
- Up to 8 years: 100% vet bill covered
From 8 years: 80% vet bill covered
From 10 years: 65% vet bill covered
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Excess
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The cost to make a claim. Typically choosing a higher excess will reduce your premium.
- Cats: $125
Dogs: $150
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Injury
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Vet costs to treat accidental injuries.
- Comprehensive cover
No waiting period -
Illness
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Vet costs to treat illnesses.
- Comprehensive cover
21 day waiting period -
Vet consults
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Cover for vet consultation costs.
- Yes
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Emergency treatment
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Cover for out-of-hours consults, when recommended by a vet.
- Yes
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Pre-existing conditions
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Pet insurance doesn't cover pre-existing conditions by default, but you can sometimes get cover by serving a waiting period and making an application to the insurer.
- No
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Routine care
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Additional non-insurance cover for preventative care items like health checks, vaccinations and microchipping.
- No
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Alternative therapies
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Cover for specialised treatments such as physiotherapy, hydrotherapy or chiropractic manipulation.
- Covered
Up to $2000 -
Lost animal
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Benefit if your pet is lost, stolen or runs away.
- Up to $1000 for advertising and rewards
Up to purchase price of animal or $1500 for theft/straying (optional) -
Necessary euthanasia
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The cost of putting your pet down, where necessary.
- No
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Legal liability
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Cover when you are responsible for injury, damage or death caused by your pet
- Covered for dogs only
Up to $3000000 -
Telehealth vet service
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Some insurers offer telehealth vet services as an added benefit.
- No
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Cancer
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Vet costs to treat cancer.
- Covered
Standard waiting periods -
Behavioural conditions
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Vet costs to treat behavioural conditions.
- Covered
No cover for conditions caused by failure to provide training
Standard waiting periods -
Brachycephalic Airway Obstruction Syndrome
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Vet costs to treat BOAS and related conditions.
- Covered
365 day waiting period -
Allergic reaction
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Vet costs to treat allergic reactions.
- Yes
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Cruciate ligament conditions
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Vet costs to treat conditions affecting the cruciate ligaments.
- Covered
Standard waiting periods -
Dental and oral health conditions
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Vet cost to treat conditions affecting the teeth, gums and mouth.
- 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 -
Ear conditions
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Vet costs to treat conditions affecting the ears.
- Covered
Standard waiting periods -
Eye conditions
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Vet costs to treat conditions affecting the eye.
- Covered
Standard waiting periods -
Ingestion of a foreign object
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Vet costs to treat your pet after it swallows something it shouldn't.
- Covered
Standard waiting periods -
Heart conditions
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Vet costs to treat heart disease.
- Covered
Standard waiting periods -
Intervertebral disc disease
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Vet costs to treat IVDD, a spinal condition that affects cats and dogs.
- Covered
Standard waiting periods -
Hereditary conditions
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Vet costs to treat inherited conditions, particularly those specific to the pet's breed.
- Covered
Standard waiting periods -
Joint conditions
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Vet costs to treat joint conditions, such as arthritis and dysplasia.
- Covered
Standard waiting periods -
Orthopaedic conditions
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Vet costs to treat orthopaedic conditions, including bone fracture.
- Covered
Standard waiting periods -
Patella luxation
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Vet costs to treat patella luxation, a dislocation of the kneecap.
- Covered
Standard waiting periods -
Pregnancy and obstetrics
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Vet costs to treat pregnant animals, including complications caused by breeding or pregnancy.
- No
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Illness caused by parasites
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Vet costs to treat internal or external parasite infection. Many insurers cover tick paralysis, but may exclude other conditions caused by ticks.
- Covered
Cover includes tick paralysis
Insurer requires dogs to be vaccinated against ticks
Does not cover internal/external parasite prevention/eradication, heart worm prevention medication, tick treatment or flea treatment
Standard waiting periods -
Skin conditions
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Vet costs to treat skin conditions.
- Covered
Standard waiting periods -
Vaccinatable Conditions
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Vet costs to treat conditions that have a commonly available vaccine.
- 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 -
Snakebite
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Vet costs to treat snakebite toxicity.
- Covered
Standard waiting periods