Comprehensive injury and illness cover for cats and dogs
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Description
- Insurer
- PetsOnMe
- Policy
- Classic Plan
- Underwriter
- Pacific International Insurance Pty Ltd
- Policy type
- Comprehensive injury and illness cover
- Animals covered
- Cats and dogs
Cover summary
- Minimum age for new cover
- 6 weeks
- Maximum age for new cover
- 8 years
- Maximum benefit per year
- $10,000
- Benefit paid per claim
- 80% vet bill covered
Excesses
- Excess
- Choose excess from $100, $200 or $300
Covered events
- Injury
-
- Comprehensive cover
- No waiting period
- Illness
-
- Comprehensive cover
- 21 day waiting period
- Vet consults
-
- Up to $80 per consult
- Up to $200 per specialist consult or house call
- Emergency treatment
- Up to $200 per consult
- Pre-existing conditions
- Can be covered if condition is fully cured and considered temporary and have no relation to an underlying condition
Conditions
- Allergic reaction
-
- Covered
- No cover for allergic reaction to products used to maintain the cleanliness of pet or products for treatment of ectoparasites
- Brachycephalic Airway Obstruction Syndrome
- Not covered
- Behavioural conditions
- Not covered
- Cancer
- Covered
- Cruciate ligament conditions
-
- Covered
- 180 day waiting period
- Ear conditions
-
- Covered
- No cover for presbycusis
- Eye conditions
-
- Covered
- Cover includes cherry eye caused by accidental injury
- No cover for glaucoma
- Dental and oral health conditions
-
- Not covered
- Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face
- Ingestion of a foreign object
-
- Covered
- Up to 1 incident per year
- 21 day waiting period
- Heart conditions
- Covered
- Orthopaedic conditions
- Covered
- Patella luxation
-
- Covered
- 180 day waiting period
- Joint conditions
-
- Covered
- No cover for arthritis
- Does not cover joint replacement
- Intervertebral disc disease
-
- Covered
- 21 day waiting period
- Hereditary conditions
-
- Covered
- Up to $2300
- 180 day waiting period
- Pregnancy and obstetrics
- Not covered
- Illness caused by parasites
-
- Covered
- Cover limited to tick paralysis
- Insurer requires up to date preventative treatments
- No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used
- Skin conditions
-
- Covered
- No cover for mange
- No cover for conditions caused by products used to maintain the cleanliness of pet or products for treatment of ectoparasites
- Snakebite
- Covered
- Vaccinatable Conditions
-
- Covered
- Insurer requires current vaccination for parvovirus, canine distemper, Canine infectious hepatitis, kennel cough, leptospirosis, Feline Viral rhinotracheitis, feline calicivirus, feline panleukopenia and cat flu, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), feline chlamydiosis and Feline peritonitis (FIP) and disease for which vaccination is recommended by vet/Australian government
Additional benefits
- Routine care
- Not covered
- Alternative therapies
- Covered
- Lost animal
- Not covered
- Necessary euthanasia
- Covered
- Telehealth vet service
- Not covered
- Legal liability
- Up to $10000
Claims
- Howtoclaim
- Customer portal
- Quickeasyclaims
- Directpayments
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