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Pounce Standard review

Accident & Illness policy type.

CHOICE Expert Rating

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CHOICE Expert rating

This is the product's overall performance score, based on key tests conducted by our industry experts in the CHOICE labs.

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CHOICE Expert Rating View more details.

This overall score is a weighted combination of the features score (70% of the total), value for money score (15%) and price rating (15%).

Features score View more details.

This scores maximum limits (30%) and cover, limits and exclusions (70%). For example, limits and conditions for vet consultations and emergency care, policy renewal conditions and exclusions and the availability of routine care cover.

Value for money score View more details.

The better the score, the better value-for-money based on maximum limits and the quotes we collected.

Dog price rating View more details.

The fewer the $ signs, the cheaper the policy premium based on the quotes we collected.

Cat price rating View more details.

The fewer the $ signs, the cheaper the policy premium based on the quotes we collected.

Brand
Pounce
Policy
Standard
Policy type View more details.

There are four types of cover:

Accident cover: for example for broken bones, spider and snake bites. 

Special events: accidental injuries and some major illnesses.

Illness only: cancer and other illnesses.

Accident and illness Most comprehensive includes accidental injuries, cancer and other illnesses.  

Accident & Illness
Animals covered
Cats & Dogs
Comments
Underwriter
The Hollard Insurance Company
Phone number
1300 457 046
Website
Website
Minimum age to get cover
8 weeks
Maximum age for new cover View more details.

Most policies won't offer new cover to animals over the age of 7 or 8. Older animals that first got cover when they were younger will continue to be covered.

8
Benefit stays the same for older pets View more details.

Some insurers lower the benefit percentage for example from 100% of the bill to 80% of the bill and you have to foot the rest. 

Excess options View more details.

If you choose to pay an excess you will pay a lower premium, but you'll pay it if you have a claim.

0
Benefit percentage paid View more details.

Percentage of the claim the insurer pays. For example, if your policy has an 80% benefit and you have a $1000 claim, you pay $200 and the insurer pays $800.

80%
Dogs annual max ($) View more details.

Maximum benefit per year. For accident and illness policies the maximum limit is normally combined for accidents and illnesses.

13000
Cats annual maximum ($) View more details.

Maximum benefit per year. For accident and illness policies the maximum limit is normally combined for accidents and illnesses.

13000
Pre-existing conditions covered View more details.

Policies usually do not cover pre-existing conditions but may allow them on application - check with insurer for details. 

No
Hereditary conditions View more details.

Will the policy cover hereditary or genetic conditions?

Chronic conditions View more details.

Many policies do not cover a condition if it recurs again the next year.

Bilateral conditions View more details.

A bilateral or 'whole of body' condition affects body parts of which the pet has at least two, e.g. the knees. If the policy applies an exclusion, the animal will not be covered for a condition in one knee if it was previously affected in another knee.

Cover for life offered View more details.

Some insurer guarantee to allow you to renew the policy - other could reject renewals, for example, after you had a large claim.

Vet consult sublimit View more details.

Is there an annual sublimit for vet consultation claims?

Tick paralysis View more details.

Paralysis ticks are common on the east coast of Australia and can require intensive emergency treatment.

Tick paralysis sublimit ($) View more details.

Is there an annual sublimit for tick paralysis claims?

Cruciate ligament injury sublimit ($) View more details.

Is there an annual sublimit for cruciate ligament injury claims? (All policies cover this.)

Skin condition sublimit ($) View more details.

Is there an annual sublimit for skin condition claims?

Alternative therapies sublimit ($) View more details.

Is there an annual sublimit for alternative therapy claims?

Public liability cover ($) View more details.

Public liability cover - mainly for damage or injury caused by dogs.

Theft or straying View more details.

Does the policy pay a benefit if your animal is lost due to theft or straying?

Vehicle injury View more details.

Does the policy offer a benefit if you pet is injured by a vehicle such as a car.

Swallowing foreign objects
Swallowing foreign objects (recurring instances) View more details.

How many times a year will the policy cover for swallowing foreign objects?

Burns
Electrocution
Snake bite
Allergies View more details.

Does the policy cover allergic reactions (allergic reactions to flees and insect bites are normally excluded)

Bone fractures covered
Patella luxations and elbow dysplasia View more details.

Common conditions affecting leg joints.

Parasites View more details.

Treatment for illness caused by internal or external parasites.

Routine care available View more details.

Does this policy include or offer for an extra fee routine care (also called wellness care or tender loving care)? This is additional cover that pays for things like vaccinations and teeth cleaning.

No
Essential euthanasia (vet fees) View more details.

The cost of putting your pet down, when necessary.

Essential euthanasia (pet value) View more details.

The value of your pet if it has to be put down.

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