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Petinsurance.com.au Silver Cover

Limited injury and illness cover for dogs

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Description

Insurer
Petinsurance.com.au
Policy
Silver Cover
Underwriter
PetSure (Australia) Pty Ltd
Policy type
Limited injury and illness cover
Animals covered
Dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
14 years
Maximum benefit per year
$20,000
Benefit paid per claim
80% vet bill covered

Excesses

Excess
Choose excess from $0, $250 or $500

Covered events

Injury
  • Limited cover
  • No waiting period <b>Covers these specified injuries only:</b>
  • motor vehicle incident
  • burn or electrocution
  • reaction to a bite from an insect, spider or scorpion (excluding fleas)
  • near drowning incident
  • bone fracture
  • traumatic tooth fracture
  • snake bite toxicity
  • ingestion of a foreign object
  • poisoning
  • traumatic ligament or tendon injury
  • bite wound or fight wound abscesses
  • lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
  • cruciate ligament condition
Illness
  • Limited cover
  • 21 day waiting period <b>Covers these specified illnesses only:</b>
  • tick paralysis
  • heat stroke
  • gastric dilatation-volvulus (GDV)
  • trauma induced respiratory impairment
  • intervertebral disc disease (IVDD) or a traumatic spinal disc rupture
  • torn nail
  • embedded grass seed
  • soft tissue injury
  • eye trauma
Vet consults
Up to $500
Emergency treatment
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Conditions

Allergic reaction
Covered
Brachycephalic Airway Obstruction Syndrome
Not covered
Behavioural conditions
  • Not covered
  • Some cover available under routine care option
Cancer
Not covered
Cruciate ligament conditions
  • Covered as a specified injury
  • Up to $3000 per leg
  • Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligament and complications from treatment
  • 6 month waiting period
Ear conditions
Not covered
Eye conditions
  • Covered
  • Specifically covered illnesses include eye trauma
  • Standard waiting periods
Dental and oral health conditions
  • Not covered by default
  • Does cover traumatic tooth fracture and oral tumours <b>Optional cover:</b>
  • Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
  • No cover for odontoclastic resorptive lesions
  • Up to $1000
  • 6 month waiting period
  • Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
  • Does not cover corrective treatment, cosmetic dental surgery, crowns, orthodontic treatment or root canal
  • Insurer requires annual routine dental check-ups
  • Some cover available under routine care option
Ingestion of a foreign object
  • Covered as a specified injury
  • Standard waiting periods
Heart conditions
Not covered
Orthopaedic conditions
  • Covered
  • Specifically covered injuries include bone fracture
  • Standard waiting periods
Patella luxation
Not covered
Joint conditions
  • Covered
  • Cover limited to traumatic ligament/tendon injury
  • Covered treatments for traumatic ligament/tendon injury include total hip replacement
  • Up to $6000 for hip joint surgery (per hip)
  • Standard waiting periods
Intervertebral disc disease
  • Covered as a specified illness
  • Standard waiting periods
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Specifically covered illnesses include tick paralysis
  • Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and reaction to flea/tick/worm control
  • Up to $2000 for tick paralysis
  • Standard waiting periods
  • Some cover available under routine care option
Skin conditions
  • Covered
  • Standard waiting periods
Snakebite
  • Covered as a specified injury
  • Standard waiting periods
Vaccinatable Conditions
  • Not covered
  • Vaccine benefit available under routine care option

Additional benefits

Routine care
  • Optional
  • Up to $100 for one of: desexing, microchipping, heartworm control, teeth cleaning, prescription diets, cremation or burial, dental illness treatment, council registration fees, obedience training, behavioural therapy or alternative therapies
  • Up to $50 for one of: vaccination or health check, flea/tick/worm control or blood screen
Alternative therapies
  • Optional
  • Some cover available under routine care option
Lost animal
Not covered
Necessary euthanasia
Telehealth vet service
  • Text or video call with vet
  • Available 24/7
Legal liability
Not covered

Claims

Howtoclaim
  • 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)
Quickeasyclaims
  • GapOnly
  • Participating vet practices only
  • Available weekdays 8am֪10pm, Saturday 8am֪5pm (excluding NSW public holidays)
Directpayments
GapOnly claims only

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