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Petcover Mid-point

Comprehensive injury and illness cover for cats and dogs

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Description

Insurer
Petcover
Policy
Mid-point
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
  • Cats: $10000
  • Dogs: $15000
Benefit paid per claim
  • Up to 8 years: 100% vet bill covered
  • From 8 years: 80% vet bill covered
  • From 10 years: 65% vet bill covered

Excesses

Excess
  • Cats: $125
  • Dogs: $150

Covered events

Injury
  • Comprehensive cover
  • No waiting period
Illness
  • Comprehensive cover
  • 21 day waiting period
Vet consults
1
Emergency treatment
1
Pre-existing conditions

Additional benefits

Routine care
Alternative therapies
u0026#149; Coveredu003cbru003eu0026#149; Up to $2000
Lost animal
u0026#149; Up to $1000 for advertising and rewardsu003cbru003eu0026#149; Up to purchase price of animal or $1500 for theft/straying (optional)
Necessary euthanasia
Telehealth vet service
Legal liability
u0026#149; Covered for dogs onlyu003cbru003eu0026#149; Up to $3000000

Conditions

Allergic reaction
Brachycephalic Airway Obstruction Syndrome
  • Covered
  • 365 day waiting period
Behavioural conditions
u0026#149; Coveredu003cbru003eu0026#149; No cover for conditions caused by failure to provide trainingu003cbru003eu0026#149; Standard waiting periods
Cancer
  • Covered
  • Standard waiting periods
Cruciate ligament conditions
  • Covered
  • Standard waiting periods
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
Ingestion of a foreign object
  • Covered
  • Standard waiting periods
Heart conditions
  • Covered
  • Standard waiting periods
Orthopaedic conditions
  • Covered
  • Standard waiting periods
Patella luxation
  • Covered
  • Standard waiting periods
Joint conditions
  • Covered
  • Standard waiting periods
Intervertebral disc disease
  • Covered
  • Standard waiting periods
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • 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
  • Covered
  • 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 vet

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