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Petcover Key

Comprehensive injury and illness cover for cats and dogs

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Description

Insurer
Petcover
Policy
Key
Underwriter
Sovereign Insurance Australia Pty Ltd
Policy type
Comprehensive injury and illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
7 years
Maximum benefit per year
$15,000
Benefit paid per claim
Choose from 70%, 80% or 90% vet bill covered

Excesses

Excess
Choose excess from $0, $100 or $200

Covered events

Injury
  • Comprehensive cover
  • No waiting period
Illness
  • Comprehensive cover
  • 28 day waiting period
Vet consults
Up to $400
Emergency treatment
1
Pre-existing conditions

Additional benefits

Routine care
u0026#149; Optionalu003cbru003eu0026#149; Up to $50 for 1 of: de-sexing, microchipping, heartworm, behavioural therapy, teeth cleaning, council registration fees, alternative therapies, prescription diets, dewclaw removal or dog training at a recognised training centreu003cbru003eu0026#149; Up to $45 for flea/worm controlu003cbru003eu0026#149; Up to $30 for vaccinations or health checku003cbru003eu0026#149; Up to $10 for heartworm test or blood screenu003cbru003eu0026#149; Up to $10 for FeLv/ Fiv test or urinalysis
Alternative therapies
u0026#149; Not coveredu003cbru003eu0026#149; Some cover available under routine care option
Lost animal
Necessary euthanasia
Up to $300
Telehealth vet service
Legal liability
u0026#149; Covered for dogs onlyu003cbru003eu0026#149; Up to $1000000

Conditions

Allergic reaction
Brachycephalic Airway Obstruction Syndrome
  • Covered
  • 365 day waiting period
Behavioural conditions
u0026#149; Not coveredu003cbru003eu0026#149; Some cover available under routine care option
Cancer
  • Covered
  • Up to $5000
  • Standard waiting periods
Cruciate ligament conditions
  • Covered
  • Up to $3000
  • 6 month waiting period
Ear conditions
  • Covered
  • Standard waiting periods
Eye conditions
  • Covered
  • Standard waiting periods
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
  • Some cover available under routine care option
Ingestion of a foreign object
  • Covered
  • Up to 1 incident per year
  • Standard waiting periods
Heart conditions
  • Covered
  • Standard waiting periods
Orthopaedic conditions
  • Covered
  • Standard waiting periods
Patella luxation
  • Covered
  • Standard waiting periods
Joint conditions
  • Covered
  • Up to $4000 for hip dysplasia
  • Standard waiting periods
Intervertebral disc disease
  • Covered
  • Standard waiting periods
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Does not cover internal/external parasite prevention/eradication, heart worm prevention medication, tick treatment or flea treatment
  • Insurer requires vaccination for ticks
  • Up to $2000 for tick paralysis (first claim)
  • Up to $1000 for tick paralysis (subsequent claim)
  • Standard waiting periods
  • Some cover available under routine care option
Skin conditions
  • Covered
  • Up to $500
  • Standard waiting periods
Snakebite
  • Covered
  • Standard waiting periods
Vaccinatable Conditions
u0026#149; Coveredu003cbru003eu0026#149; 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 vetu003cbru003eu0026#149; Vaccine benefit available under routine care option

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