Limited injury and comprehensive illness cover for cats and dogs
CHOICE Expert Rating
Good Points
The product's best features and benefits
Bad Points
Drawbacks or issues you need to know about
Unlock our expert review and more
Reviews you can trust
Easy side-by-side comparison
Recommended products at a glance
Scores
Results for paid members only
Description
- Limited injury cover
- Comprehensive illness cover
Cover summary
- No annual limit
- $Up to $1200 overall combined limit for most conditions
- Over 30 other conditions have specific sublimits
- Up to 8 years: 100% vet bill covered
- From 8 years: 65% vet bill covered
Excesses
Covered events
- Limited cover
- No waiting period <b>Covers these specified injuries only:</b>
- motor vehicle incident
- burn or electrocution
- reaction to bite from an insect or arachnid
- near drowning incident
- bone fracture
- snake bite toxicity
- traumatic ligament or tendon injury
- bite wound or fight wound abscesses
- lacerations or abrasion of tissue, skin or mucous membrane due to external violence
- Comprehensive cover
- 20 day waiting period
Conditions
- Covered
- Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp
- Covered
- Up to $2500
- Standard waiting periods
- Covered
- Up to $400
- Cover includes anxiety, phobias, compulsive disorders and impulse control problems
- No cover for conditions preventable by puppy training/socialisation
- 20 day waiting period
- Covered
- Up to $4000
- Standard waiting periods
- Covered
- Up to $4000
- Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligaments and complications following surgery
- 6 month waiting period
- Covered
- Up to $750 for each condition
- Standard waiting periods
- Covered
- Up to $750 for conjunctivitis and corneal ulcers
- Up to $1500 for cherry eye and entropion
- Up to $6000 for cataracts
- Up to $1200 for other conditions
- Standard waiting periods
- Covered for illness
- Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
- Up to $750 per condition
- 6 month waiting period
- Treatment for dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to removal of teeth
- Insurer requires annual routine dental check-ups
- Covered
- Up to $2500 per claim
- Standard waiting periods
- Covered
- Standard waiting periods
- Covered
- Specifically covered injuries include bone fracture
- Up to $750 for arthritis
- Up to $6000 for bone fracture and spinal disease
- Standard waiting periods
- Covered
- Up to $2500
- Standard waiting periods
- Covered
- Covered treatments for hip dysplasia include total hip replacement
- Up to $4000 for hip dysplasia and elbow dysplasia
- Up to $2500 for joint luxation
- Standard waiting periods
- Covered
- Up to $6000
- Standard waiting periods
- Covered
- Standard waiting periods
- Covered
- No cover for conditions caused by reactions to flea/tick/worm control products
- Up to $1500 for tick paralysis
- Standard waiting periods
- Covered
- Up to $750
- Up to $750 for grass seed foreign body
- Standard waiting periods
- Covered as a specified injury
- Up to $2500
- Standard waiting periods
Additional benefits
- Covered
- Up to $500
Claims
- Customer web portal
- E-claim (vet submits on your behalf)
- GapOnly (vet submits on your behalf)
- Mail claim form (vet must fill out a section)
- GapOnly
- Participating vet practices only
- Available weekdays 8am֪10pm, Saturday 8am֪5pm (excluding NSW public holidays)
Looking for user reviews?
We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.