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Description
Insurer
Australian Seniors
Australian Seniors
Australian Seniors
Bow Wow Meow
Buddy
Buddy
Buddy
Budget Direct
Budget Direct
Budget Direct
Bupa
Bupa
CBA
CBA
Coles
Coles
Fetch
Guardian
Guardian
Guardian
Guide Dogs
Guide Dogs
Guide Dogs
HCF
Knose
Medibank
Medibank
Medibank
Pet Circle
Pet Insurance Australia
Petcover
Petcover
Petcover
Petcover
Petcover
Petcover
Petcover
Petcover
Petcover
Petinsurance.com.au
Petinsurance.com.au
PetsOnMe
PetsOnMe
PetsOnMe
Petsy
Petsy
Petsy
RAC
RACQ
Real Insurance
Real Insurance
Real Insurance
Trupanion
Policy
Basic Cover
Essential Cover
Top Cover
Nose-To-Tail Cover
Bronze
Gold
Silver
Comprehensive
Essential
Plus
Standard
Ultimate
Classic Cover
Plus Cover
Essential
Ultimate
Pet Insurance
Bronze
Gold
Platinum
Basic Care
Comprehensive Care
Premium Care
Pet Premium
Pet Insurance
Pet Max
Pet Plus
Pet Protect
Pet Insurance
Select and Protect Cover
Catastrophe 1
Catastrophe 2
Core
Economy
Entry
Key
Mid-point
Superior
Vital
Gold Cover
Platinum Cover
Accident Plan
Classic Plan
Deluxe Plan
Kitten Protection Plus
Pet Protection Plus
Puppy Protection Plus
Pet Insurance
Pet Insurance
Classic
Premium
Standard
Pet Insurance
Insurance provider
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
Auto & General Insurance Company Limited
Auto & General Insurance Company Limited
Auto & General Insurance Company Limited
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
Guild Insurance Limited
Guild Insurance Limited
Pacific International Insurance Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
Pacific International Insurance Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
Pacific International Insurance Pty Ltd
PetSure (Australia) Pty Ltd
Sovereign Insurance Australia Pty Ltd
Sovereign Insurance Australia Pty Ltd
Sovereign Insurance Australia Pty Ltd
Sovereign Insurance Australia Pty Ltd
Sovereign Insurance Australia Pty Ltd
Sovereign Insurance Australia Pty Ltd
Sovereign Insurance Australia Pty Ltd
Sovereign Insurance Australia Pty Ltd
Sovereign Insurance Australia Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
Pacific International Insurance Pty Ltd
Pacific International Insurance Pty Ltd
Pacific International Insurance Pty Ltd
Pacific International Insurance Pty Ltd
Pacific International Insurance Pty Ltd
Pacific International Insurance Pty Ltd
RACQ Insurance Limited
RACQ Insurance Limited
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
PetSure (Australia) Pty Ltd
The Hollard Insurance Company Pty Ltd
Policy type
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Comprehensive injury cover
• Limited illness cover
• Limited illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
Comprehensive injury and illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
Comprehensive injury cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
Comprehensive injury and illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
• Limited injury cover
• Comprehensive illness cover
• Comprehensive illness cover
Comprehensive injury and illness cover
Animals covered
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats
Cats and dogs
Dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Cats and dogs
Scores
ÌÇÐÄVlog Expert Rating
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Cover score
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Out of pocket score
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Member only
Cover summary
Minimum age for new cover
8 weeks
8 weeks
8 weeks
No minimum age
No minimum age
No minimum age
No minimum age
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
9 years
8 weeks
8 weeks
8 weeks
6 weeks
8 weeks
8 weeks
8 weeks
6 weeks
No minimum age
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
6 weeks
6 weeks
6 weeks
6 weeks
1 week
6 weeks
8 weeks
8 weeks
8 weeks
8 weeks
8 weeks
No minimum age
Maximum age for new cover
15 years
8 years
8 years
• 8 years (dogs)
• 10 years (cats)
• 10 years (cats)
• 8 years (dogs)
• 10 years (cats)
• 10 years (cats)
• 8 years (dogs)
• 10 years (cats)
• 10 years (cats)
• 8 years (dogs)
• 10 years (cats)
• 10 years (cats)
8 years
8 years
8 years
8 years
8 years
8 years
8 years
8 years
8 years
9 years
15 years
8 years
8 years
No maximum age
8 years
8 years
8 years
8 years
8 years
8 years
8 years
8 years
No maximum age
7 years
7 years
7 years
No maximum age
7 years
7 years
7 years
7 years
7 years
8 years
8 years
11 years
8 years
8 years
1 year
8 years
1 year
8 years
8 years
15 years
8 years
8 years
13 years
Maximum benefit per year
• $12000
• Up to $2000 per condition
• Up to $2000 per condition
$12000
$12000
Choose from $10000, $20000 or $30000
$11000
$35000
$20000
$15000
$12000
$25000
$12000
$20000
$15000
$30000
$10000
Choose from $10000, $15000, $25000 or $40000
$30000
• $12000
• Up to $2000 per condition
• Up to $2000 per condition
$12000
$12000
$15000
$15000
$20000
$12000
Choose from $7500, $12500 or $25000
$30000
$25000
$10000
• Cats: choose from $2500, $5000 or $10000
• Dogs: choose from $10000, $17500 or $30000
• Dogs: choose from $10000, $17500 or $30000
Choose from $15000, $25000 or $35000
$5000
$10000
$5000
$7000
• Cats: $9000
• Dogs: $10000
• Dogs: $10000
$15000
• Cats: $10000
• Dogs: $15000
• Dogs: $15000
• Cats: $15000
• Dogs: $20000
• Dogs: $20000
$10000
$20000
$30000
$5000
$10000
$15000
• Choose from $6000, $12000 or $30000 if pet insured before 6 months old
• Choose from $5500, $11000 or $27500 if pet insured before 1 year old
• Choose from $5500, $11000 or $27500 if pet insured before 1 year old
Choose from $5000, $10000 or $25000
• Choose from $6000, $12000 or $30000 if pet insured before 6 months old
• Choose from $5500, $11000 or $27500 if pet insured before 1 year old
• Choose from $5500, $11000 or $27500 if pet insured before 1 year old
$12000
$12000
• $12000
• Up to $2000 per condition
• Up to $2000 per condition
$12000
$12000
No annual limit
Benefit paid per claim
60% vet bill covered
75% vet bill covered
80% vet bill covered
Choose from 70%, 80% or 90% vet bill covered
70% vet bill covered
90% vet bill covered
80% vet bill covered
80% vet bill covered
80% vet bill covered
80% vet bill covered
80% vet bill covered
80% vet bill covered
Choose from 70% or 80% vet bill covered
Choose from 80% or 90% vet bill covered
Choose from 80% or 100% vet bill covered
Choose from 80% or 100% vet bill covered
Choose from 80%, 90% or 100% vet bill covered
60% vet bill covered
75% vet bill covered
80% vet bill covered
75% vet bill covered
80% vet bill covered
85% vet bill covered
80% vet bill covered
Choose from 70%, 80% or 90% vet bill covered
90% vet bill covered
80% vet bill covered
70% vet bill covered
Choose from 70%, 80% or 90% vet bill covered
Choose from 70%, 80% or 90% vet bill covered
• Up to 8 years: 100% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
• Up to 8 years: 100% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
Choose from 70%, 80% or 90% vet bill covered
• Up to 8 years: 100% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
• Up to 8 years: 100% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
Choose from 70%, 80% or 90% vet bill covered
• Up to 8 years: 100% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
• Up to 8 years: 100% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered
Choose from 70%, 80% or 90% vet bill covered
80% vet bill covered
80% vet bill covered
80% vet bill covered
80% vet bill covered
80% vet bill covered
Choose from 80% or 90% vet bill covered
Choose from 80% or 90% vet bill covered
Choose from 80% or 90% vet bill covered
80% vet bill covered
80% vet bill covered
60% vet bill covered
80% vet bill covered
75% vet bill covered
90% vet bill covered
Covered events
Injury
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
Comprehensive cover
Comprehensive cover
Comprehensive cover
Comprehensive cover
• Comprehensive cover
• 2 day waiting period
• 2 day waiting period
• Comprehensive cover
• 2 day waiting period
• 2 day waiting period
• Comprehensive cover
• 2 day waiting period
• 2 day waiting period
• Limited cover
• No waiting period
Covers these specified injuries only:
• 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 trauma
• cruciate ligament condition
• No waiting period
Covers these specified injuries only:
• 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 trauma
• cruciate ligament condition
• Limited cover
• No waiting period
Covers these specified injuries only:
• 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 trauma
• cruciate ligament condition
• No waiting period
Covers these specified injuries only:
• 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 trauma
• cruciate ligament condition
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• Burn
• electrocution
• reaction to bite from an insect, spider or scorpion
• bone fracture
• traumatic tooth fracture
• snake bite toxicity
• ingestion of foreign object
• poisoning
• traumatic ligament or tendon injury
• bite/fight wound abscesses
• lacerations/abrasion of tissue/skin/mucous membrane due to external trauma
• cruciate ligament condition
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• Burn
• electrocution
• reaction to bite from an insect, spider or scorpion
• bone fracture
• traumatic tooth fracture
• snake bite toxicity
• ingestion of foreign object
• poisoning
• traumatic ligament or tendon injury
• bite/fight wound abscesses
• lacerations/abrasion of tissue/skin/mucous membrane due to external trauma
• cruciate ligament condition
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• Burn
• electrocution
• reaction to bite from an insect, spider or scorpion
• bone fracture
• traumatic tooth fracture
• snake bite toxicity
• ingestion of foreign object
• poisoning
• traumatic ligament or tendon injury
• bite/fight wound abscesses
• lacerations/abrasion of tissue/skin/mucous membrane due to external trauma
• cruciate ligament condition
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• Burn
• electrocution
• reaction to bite from an insect, spider or scorpion
• bone fracture
• traumatic tooth fracture
• snake bite toxicity
• ingestion of foreign object
• poisoning
• traumatic ligament or tendon injury
• bite/fight wound abscesses
• lacerations/abrasion of tissue/skin/mucous membrane due to external trauma
• cruciate ligament condition
• Comprehensive cover
• 2 day waiting period
• 2 day waiting period
• Comprehensive cover
• 2 day waiting period
• 2 day waiting period
• Comprehensive cover
• 2 day waiting period
• 2 day waiting period
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• 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 trauma
• cruciate ligament condition
• No waiting period
Covers these specified injuries only:
• 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 trauma
• cruciate ligament condition
• Comprehensive cover
• 1 day waiting period
• 1 day waiting period
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to bite from an insect, spider or scorpion
• near drowning incident
• bone fracture
• traumatic tooth 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 trauma
• cruciate ligament condition
• ingestion of foreign object
• poisioning
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to bite from an insect, spider or scorpion
• near drowning incident
• bone fracture
• traumatic tooth 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 trauma
• cruciate ligament condition
• ingestion of foreign object
• poisioning
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to bite from an insect, spider or scorpion
• near drowning incident
• bone fracture
• traumatic tooth 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 trauma
• cruciate ligament condition
• ingestion of foreign object
• poisioning
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to bite from an insect, spider or scorpion
• near drowning incident
• bone fracture
• traumatic tooth 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 trauma
• cruciate ligament condition
• ingestion of foreign object
• poisioning
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to bite from an insect, spider or scorpion
• near drowning incident
• bone fracture
• traumatic tooth 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 trauma
• cruciate ligament condition
• ingestion of foreign object
• poisioning
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to bite from an insect, spider or scorpion
• near drowning incident
• bone fracture
• traumatic tooth 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 trauma
• cruciate ligament condition
• ingestion of foreign object
• poisioning
• Comprehensive cover
• 1 day waiting period
• 1 day waiting period
Comprehensive cover
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to a bite from an insect, spider or scorpion
• 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
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to a bite from an insect, spider or scorpion
• 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
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to a bite from an insect, spider or scorpion
• 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
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to a bite from an insect, spider or scorpion
• 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
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• 1 day waiting period
• 1 day waiting period
• Comprehensive cover
• 1 day waiting period
• 1 day waiting period
• Comprehensive cover
• 1 day waiting period
• 1 day waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Comprehensive cover
• No waiting period
• No waiting period
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident
• Comprehensive cover
• 5 day waiting period
• 5 day waiting period
Illness
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Limited cover
• 21 day waiting period
Covers these specified illnesses only:
• cancer
• cruciate ligament condition
• joint dysplasia
• joint luxation
• 21 day waiting period
Covers these specified illnesses only:
• cancer
• cruciate ligament condition
• joint dysplasia
• joint luxation
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 14 day waiting period
• 14 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 14 day waiting period
• 14 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 28 day waiting period
• 28 day waiting period
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 28 day waiting period
• 28 day waiting period
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 28 day waiting period
• 28 day waiting period
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
Not covered
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 14 day waiting period
• 14 day waiting period
• Comprehensive cover
• 14 day waiting period
• 14 day waiting period
• Comprehensive cover
• 14 day waiting period
• 14 day waiting period
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 21 day waiting period
• 21 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
• Comprehensive cover
• 30 day waiting period
• 30 day waiting period
Vet consults
Up to $300
Up to $300
Up to $300
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Up to $300
Up to $300
Up to $400
Covered
Covered
Covered
Covered
Up to $300
Up to $300
Up to $300
Up to $300
Up to $300
Up to $300
Up to $300
Optional
Covered
Covered
Up to $400
Optional
Covered
Up to $400
Up to $400
Up to $400
Not covered
Covered
Up to $400
Covered
Covered
Up to $400
Up to $500
Covered
• Up to $80 per consult
• Up to $200 per specialist consult or house call
• Up to $200 per specialist consult or house call
• Up to $80 per consult
• Up to $200 per specialist consult or house call
• Up to $200 per specialist consult or house call
• Up to $80 per consult
• Up to $200 per specialist consult or house call
• Up to $200 per specialist consult or house call
Optional
Optional
Optional
Covered
Covered
Up to $300
Up to $300
Up to $300
Not covered
Emergency treatment
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Up to $200 per consult
Up to $200 per consult
Up to $200 per consult
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is cured and pet is symptom-free for 12 months
Can be covered if condition is cured and pet is symptom-free for 12 months
Can be covered if condition is cured and pet is symptom-free for 12 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is fully cured
Can be covered if condition is fully cured
Not covered
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 3–24 months (depending on condition)
Can be covered if condition is temporary and pet is symptom-free for 18 months
Can be covered if condition is temporary and pet is symptom-free for 18 months
Can be covered if condition is temporary and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 3–24 months (depending on condition)
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Not covered
Can be covered if condition is fully cured and considered temporary and have no relation to an underlying condition
Can be covered if condition is fully cured and considered temporary and have no relation to an underlying condition
Can be covered if condition is on insurer's list of reviewable conditions and approved by insurer review
Can be covered if condition is on insurer's list of reviewable conditions and approved by insurer review
Can be covered if condition is on insurer's list of reviewable conditions and approved by insurer review
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is certified by your vet as not lifelong with no cure and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Can be covered if condition is cured, approved by insurer review, temporary and pet is symptom-free for 18 months
Not covered
Conditions
Allergic reaction
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp
• Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp
• Covered
• Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp
• Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp
Covered
Covered
• Covered
• Covers allergic reaction to insect bite
• No cover for allergic reaction to tick/flea bite
• Covers allergic reaction to insect bite
• No cover for allergic reaction to tick/flea bite
• Covered
• Covers allergic reaction to insect bite
• No cover for allergic reaction to tick/flea bite
• Covers allergic reaction to insect bite
• No cover for allergic reaction to tick/flea bite
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Not covered
• Covered
• No cover for allergic reaction to products used to maintain the cleanliness of pet or products for treatment of ectoparasites
• No cover for allergic reaction to products used to maintain the cleanliness of pet or products for treatment of ectoparasites
• Covered
• No cover for allergic reaction to products used to maintain the cleanliness of pet or products for treatment of ectoparasites
• No cover for allergic reaction to products used to maintain the cleanliness of pet or products for treatment of ectoparasites
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Brachycephalic Airway Obstruction Syndrome
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• No cover for pets under 1 year old
• No cover for pets under 1 year old
• Covered
• No cover for pets under 1 year old
• No cover for pets under 1 year old
• Covered
• No cover for pets under 1 year old
• No cover for pets under 1 year old
Covered
Covered
Covered
Covered
Not covered
Covered
• Covered
• 90 day waiting period
• 90 day waiting period
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Optional
• Insurer requires you to apply for cover
• No waiting period
• Insurer requires you to apply for cover
• No waiting period
Covered
Covered
Covered
• Optional
• Insurer requires you to apply for cover
• Insurer requires you to apply for cover
Covered
• Covered
• Up to $3000
• 365 day waiting period
• Up to $3000
• 365 day waiting period
• Covered
• Up to $6000
• 365 day waiting period
• Up to $6000
• 365 day waiting period
• Covered
• 365 day waiting period
• 365 day waiting period
Not covered
• Covered
• 365 day waiting period
• 365 day waiting period
• Covered
• 365 day waiting period
• 365 day waiting period
• Covered
• 365 day waiting period
• 365 day waiting period
• Covered
• 365 day waiting period
• 365 day waiting period
• Covered
• 365 day waiting period
• 365 day waiting period
Covered
Covered
Not covered
Not covered
Not covered
• Optional
• Insurer requires you to apply for cover
• Insurer requires you to apply for cover
• Optional
• Insurer requires you to apply for cover
• Insurer requires you to apply for cover
• Optional
• Insurer requires you to apply for cover
• Insurer requires you to apply for cover
• Covered
• Up to $2000
• Up to $2000
• Covered
• Up to $2000
• Up to $2000
Covered
Covered
Covered
Covered
Behavioural conditions
Not covered
Not covered
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Optional, bundled with other extras
• Up to $2000
• Some cover available under routine care option
• Up to $2000
• Some cover available under routine care option
• Optional, bundled with other extras
• Up to $2000
• Some cover available under routine care option
• Up to $2000
• Some cover available under routine care option
• Optional, bundled with other extras
• Up to $2000
• Some cover available under routine care option
• Up to $2000
• Some cover available under routine care option
• Optional, bundled with other extras
• Up to $2000
• Some cover available under routine care option
• Up to $2000
• Some cover available under routine care option
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Optional
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
• Optional
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
Not covered
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Covered
• Insurer requires you to fulfil basic needs for training, socialisation, exercise, housing, nutrition and care; and that pet has no history of behavioural issues (e.g. aggression) before cover
• No cover for conditions caused by leaving pet alone for extended periods
• Insurer requires you to fulfil basic needs for training, socialisation, exercise, housing, nutrition and care; and that pet has no history of behavioural issues (e.g. aggression) before cover
• No cover for conditions caused by leaving pet alone for extended periods
Not covered
Not covered
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
Not covered
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Optional
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
• Optional
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
• Optional
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option
• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Pet must be under 3 years when first taking out this option
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Optional, bundled with other extras
• Up to $2000
• Some cover available under routine care option
• Up to $2000
• Some cover available under routine care option
• Covered
• No cover for conditions caused by failure to provide training
• No cover for conditions caused by failure to provide training
• Covered
• No cover for conditions caused by failure to provide training
• No cover for conditions caused by failure to provide training
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Covered
• No cover for conditions caused by failure to provide training
• No cover for conditions caused by failure to provide training
• Covered
• No cover for conditions caused by failure to provide training
• No cover for conditions caused by failure to provide training
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Covered
• No cover for conditions caused by failure to provide training
• No cover for conditions caused by failure to provide training
• Covered
• No cover for conditions caused by failure to provide training
• No cover for conditions caused by failure to provide training
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
Not covered
Not covered
• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Pet must be under 3 years when first taking out this option
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Pet must be under 3 years when first taking out this option
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Pet must be under 3 years when first taking out this option
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
• Optional, bundled with other extras
Cancer
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered as a specified illness
• 21 day waiting period
• Cover includes neoplasia, osteosarcoma and mast cell tumour
• No cover for tumours described as benign, pre-malignant or borderline malignant or of low malignant potential
• 21 day waiting period
• Cover includes neoplasia, osteosarcoma and mast cell tumour
• No cover for tumours described as benign, pre-malignant or borderline malignant or of low malignant potential
• Covered
• 21 day waiting period
• 21 day waiting period
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• Up to $2500
• Up to $2500
• Covered
• Up to $5000
• Up to $5000
• Covered
• Up to $5000
• Up to $5000
Not covered
Covered
• Covered
• Up to $5000
• Up to $5000
Covered
Covered
• Covered
• Up to $5000
• Up to $5000
Covered
Covered
Not covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Cruciate ligament conditions
• Covered
• Up to $2000
• 6 month waiting period
• Up to $2000
• 6 month waiting period
• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Covered
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Covered
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Covered
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Covered
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Covered
• Up to $2600
• Cover includes osteoarthritis in a previously affected knee
• 6 month waiting period
• Up to $2600
• Cover includes osteoarthritis in a previously affected knee
• 6 month waiting period
• Covered
• Up to $2600
• Cover includes osteoarthritis in a previously affected knee
• 6 month waiting period
• Up to $2600
• Cover includes osteoarthritis in a previously affected knee
• 6 month waiting period
• Covered
• Up to $3500
• Cover includes osteoarthritis in a previously affected knee
• 6 month waiting period
• Up to $3500
• Cover includes osteoarthritis in a previously affected knee
• 6 month waiting period
• Covered as a specified injury
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Covered as a specified injury
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Covered as a specified injury
• Up to $4000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Up to $4000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Covered as a specified injury
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Covered as a specified illness
• Up to $5300
• Cover includes any rupture or strain of the cruciate ligament, whether partial or complete and including cartilage tear and loosening of cruciate ligament
• 6 month waiting period
• Up to $5300
• Cover includes any rupture or strain of the cruciate ligament, whether partial or complete and including cartilage tear and loosening of cruciate ligament
• 6 month waiting period
• Covered
• Up to $5300
• 6 month waiting period
• Up to $5300
• 6 month waiting period
• Covered
• 90 day waiting period
• 90 day waiting period
• Covered
• Up to $2000
• 6 month waiting period
• Up to $2000
• 6 month waiting period
• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Covered
• Up to $3600
• 6 month waiting period
• Up to $3600
• 6 month waiting period
• Covered
• Up to $3600
• 6 month waiting period
• Up to $3600
• 6 month waiting period
• Covered
• Up to $3600
• 6 month waiting period
• Up to $3600
• 6 month waiting period
• Covered as a specified injury
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
• Covered as a specified injury
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• Covered as a specified injury
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• Covered as a specified injury
• Up to $4000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• Up to $4000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• Covered
• 6 month waiting period
• 6 month waiting period
• Covered
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period
• Covered
• Up to $1500
• 6 month waiting period
• Up to $1500
• 6 month waiting period
• Covered
• Up to $3000
• 6 month waiting period
• Up to $3000
• 6 month waiting period
• Covered
• Up to $1500
• 6 month waiting period
• Up to $1500
• 6 month waiting period
Not covered
Covered
• Covered
• Up to $3000
• 6 month waiting period
• Up to $3000
• 6 month waiting period
Covered
Covered
• Covered
• Up to $2500
• 6 month waiting period
• Up to $2500
• 6 month waiting period
• Covered as a specified injury
• Up to $4000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligament and complications from treatment
• 6 month waiting period
• Up to $4000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligament and complications from treatment
• 6 month waiting period
• Covered as a specified injury
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligament and complications from treatment
• 6 month waiting period
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligament and complications from treatment
• 6 month waiting period
Not covered
• Covered
• 180 day waiting period
• 180 day waiting period
• Covered
• 180 day waiting period
• 180 day waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
• Covered
• Up to $2600
• Up to $2600
• Covered
• Up to $2600
• Up to $2600
• Covered
• Up to $2000
• 6 month waiting period
• Up to $2000
• 6 month waiting period
• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
Covered
Ear conditions
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered for injury
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• No cover for presbycusis
• No cover for presbycusis
• Covered
• No cover for presbycusis
• No cover for presbycusis
• Covered
• No cover for presbycusis
• No cover for presbycusis
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Eye conditions
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered for injury
Covered
• Covered
• 90 day waiting period for cherry eye
• 90 day waiting period for cherry eye
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• 6 month waiting period for cherry eye, entropion and ectropion
• 6 month waiting period for cherry eye, entropion and ectropion
Covered
Covered
Covered
• Covered
• 6 month waiting period for cherry eye, entropion and ectropion
• 6 month waiting period for cherry eye, entropion and ectropion
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• Cover includes cherry eye caused by accidental injury
• No cover for glaucoma
• Cover includes cherry eye caused by accidental injury
• No cover for glaucoma
• Covered
• Cover includes cherry eye caused by accidental injury
• No cover for glaucoma
• Cover includes cherry eye caused by accidental injury
• No cover for glaucoma
• Covered
• Cover includes cherry eye caused by accidental injury
• No cover for glaucoma
• Cover includes cherry eye caused by accidental injury
• No cover for glaucoma
• Covered
• 6 month waiting period for cherry eye, entropion and ectropion
• 6 month waiting period for cherry eye, entropion and ectropion
• Covered
• 6 month waiting period for cherry eye, entropion and ectropion
• 6 month waiting period for cherry eye, entropion and ectropion
• Covered
• 6 month waiting period for cherry eye, entropion and ectropion
• 6 month waiting period for cherry eye, entropion and ectropion
Covered
Covered
Covered
Covered
Covered
Covered
Dental and oral health conditions
• Not covered
• Does cover oral tumours
• Up to $2000 per condition
• Does cover oral tumours
• Up to $2000 per condition
• Not covered
• Does cover oral tumours
• Does cover oral tumours
• Not covered
• Does cover oral tumours
• Some cover available under routine care option
• Does cover oral tumours
• Some cover available under routine care option
• Not covered by default
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• Not covered by default
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• Not covered by default
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• Not covered by default
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• Covered for injury
• No cover for dental disease, removal of deciduous teeth, gingivitis, tartar or periodontitis
• Does not cover preventative dental care, cosmetic dentistry, cleaning or scale and polish
• Some cover available under routine care option
• No cover for dental disease, removal of deciduous teeth, gingivitis, tartar or periodontitis
• Does not cover preventative dental care, cosmetic dentistry, cleaning or scale and polish
• Some cover available under routine care option
• Covered for injury
• No cover for dental disease, removal of deciduous teeth, gingivitis, tartar or periodontitis
• Does not cover preventative dental care, cosmetic dentistry, cleaning or scale and polish
• No cover for dental disease, removal of deciduous teeth, gingivitis, tartar or periodontitis
• Does not cover preventative dental care, cosmetic dentistry, cleaning or scale and polish
• Covered for injury
• No cover for dental disease, removal of deciduous teeth, gingivitis, tartar or periodontitis
• Does not cover preventative dental care, cosmetic dentistry, cleaning or scale and polish
• Some cover available under routine care option
• No cover for dental disease, removal of deciduous teeth, gingivitis, tartar or periodontitis
• Does not cover preventative dental care, cosmetic dentistry, cleaning or scale and polish
• Some cover available under routine care option
• Not covered
• Does cover oral tumours
• Some cover available under routine care option
• Does cover oral tumours
• Some cover available under routine care option
• Not covered by default
• Does cover oral tumours
Optional cover:
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• Up to $500
• 6 month waiting period
• Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• Does cover oral tumours
Optional cover:
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• Up to $500
• 6 month waiting period
• Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• Not covered by default
• Does cover traumatic tooth fracture, oral tumours and stomatitis
Optional cover:
• Bundled with other extras
• 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 $2000
• 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
• Does cover traumatic tooth fracture, oral tumours and stomatitis
Optional cover:
• Bundled with other extras
• 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 $2000
• 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
• Not covered by default
• Does cover traumatic tooth fracture, oral tumours and stomatitis
Optional cover:
• Bundled with other extras
• 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 $2000
• 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
• Does cover traumatic tooth fracture, oral tumours and stomatitis
Optional cover:
• Bundled with other extras
• 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 $2000
• 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
Not covered
• Optional
• Cover limited to gingivitis, abscesses, tooth fracture, cavities, dental disease arising from infection and tooth resorption
• Up to $800
• 6 month waiting period
• Treatment of tooth fracture, cavities, dental disease arising from infection and tooth resorption limited to restoration of canine and carnassial teeth (including orthodontic treatment, crowns and root canals) and tooth removal
• Does not cover corrective treatment or cosmetic surgery
• Insurer requires annual routine dental check-ups/treatment
• Some cover available under routine care option
• Cover limited to gingivitis, abscesses, tooth fracture, cavities, dental disease arising from infection and tooth resorption
• Up to $800
• 6 month waiting period
• Treatment of tooth fracture, cavities, dental disease arising from infection and tooth resorption limited to restoration of canine and carnassial teeth (including orthodontic treatment, crowns and root canals) and tooth removal
• Does not cover corrective treatment or cosmetic surgery
• Insurer requires annual routine dental check-ups/treatment
• Some cover available under routine care option
• Covered
• No cover for pre-existing issues with baby teeth
• Covered treatments for misaligned baby teeth and retained permanent teeth includes removal
• Does not cover dental health checks, routine dental care, descale and polish, prophylaxis, x-rays to assess dental health, toothbrushes, toothpaste or mouthwash
• Insurer requires no history of periodontal disease before joining and for pet to have annual dental checkups
• No cover for pre-existing issues with baby teeth
• Covered treatments for misaligned baby teeth and retained permanent teeth includes removal
• Does not cover dental health checks, routine dental care, descale and polish, prophylaxis, x-rays to assess dental health, toothbrushes, toothpaste or mouthwash
• Insurer requires no history of periodontal disease before joining and for pet to have annual dental checkups
• Not covered
• Does cover oral tumours
• Up to $2000 per condition
• Does cover oral tumours
• Up to $2000 per condition
• Not covered
• Does cover oral tumours
• Does cover oral tumours
• Not covered
• Does cover oral tumours
• Some cover available under routine care option
• Does cover oral tumours
• Some cover available under routine care option
• Not covered
• Does cover oral tumours
• Does cover oral tumours
• Not covered
• Does cover oral tumours
• Does cover oral tumours
• Not covered
• Does cover oral tumours
• Some cover available under routine care option
• Does cover oral tumours
• Some cover available under routine care option
• Not covered by default
• Does cover oral tumours
Optional cover:
• 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 $2000
• 2 year 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
• Does cover oral tumours
Optional cover:
• 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 $2000
• 2 year 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
• Optional
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• 14 day waiting period (pets under 1 year)
• 6 month waiting period (pets over 1 year)
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• 14 day waiting period (pets under 1 year)
• 6 month waiting period (pets over 1 year)
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Covered
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities, fractured teeth due to dental disease, immune-mediated stomatitis and oral tumours
• Up to $2000
• 6 month waiting period
• Treatment for gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease limited to scaling, polishing, dental x-rays and tooth removal
• Treatment for traumatic tooth fracture and immune-mediated stomatitis limited to tooth removal
• Does not cover orthodontics, root canal therapy, crowns, teeth, cosmetic surgery or corrective treatment
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities, fractured teeth due to dental disease, immune-mediated stomatitis and oral tumours
• Up to $2000
• 6 month waiting period
• Treatment for gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease limited to scaling, polishing, dental x-rays and tooth removal
• Treatment for traumatic tooth fracture and immune-mediated stomatitis limited to tooth removal
• Does not cover orthodontics, root canal therapy, crowns, teeth, cosmetic surgery or corrective treatment
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• Not covered by default
• Does cover traumatic tooth fracture, oral tumours and immune-mediated stomatitis
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to dental x-rays, polishing, scaling and tooth removal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• Does cover traumatic tooth fracture, oral tumours and immune-mediated stomatitis
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to dental x-rays, polishing, scaling and tooth removal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• Not covered by default
• Does cover traumatic tooth fracture, oral tumours and immune-mediated stomatitis
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to dental x-rays, polishing, scaling and tooth removal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• Does cover traumatic tooth fracture, oral tumours and immune-mediated stomatitis
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to dental x-rays, polishing, scaling and tooth removal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• Not covered by default
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period (pets under 1 year)
• 6 month waiting period (pets over 1 year)
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period (pets under 1 year)
• 6 month waiting period (pets over 1 year)
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Not covered by default
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• 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
• Not covered by default
• Does cover traumatic tooth fracture and oral tumours
Optional cover:
• 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
• Does cover traumatic tooth fracture and oral tumours
Optional cover:
• 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
• Covered
• 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 for dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Does not cover teeth cleaning/scaling, orthodontics, orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• 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 for dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Does not cover teeth cleaning/scaling, orthodontics, orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option
• Not covered
• Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face
• Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face
• Not covered
• Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face
• Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face
• Covered for illness
• Cover limited to abscesses, gingivitis, cavities, tooth fracture, dental disease as a result of infection and retained deciduous teeth
• Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face
• 180 day waiting period
• Treatment for retained deciduous teeth, dental disease as a result of infection and tooth fracture limited to tooth extraction
• Does not cover teeth cleaning/scaling, elective treatment, odontoclastic resorptive lesions, corrective treatment, cosmetic dental surgery, root canal, crowns or orthodontic treatment
• Cover limited to abscesses, gingivitis, cavities, tooth fracture, dental disease as a result of infection and retained deciduous teeth
• Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face
• 180 day waiting period
• Treatment for retained deciduous teeth, dental disease as a result of infection and tooth fracture limited to tooth extraction
• Does not cover teeth cleaning/scaling, elective treatment, odontoclastic resorptive lesions, corrective treatment, cosmetic dental surgery, root canal, crowns or orthodontic treatment
• Not covered by default
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Not covered by default
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Not covered by default
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
• Covered for injury
• Cover includes fractured tooth due to trauma
• Insurer requires annual dental examination/treatment
• Some cover available under routine care option
• Cover includes fractured tooth due to trauma
• Insurer requires annual dental examination/treatment
• Some cover available under routine care option
• Covered for injury
• Cover includes fractured tooth due to trauma
• Insurer requires annual dental examination/treatment
• Some cover available under routine care option
• Cover includes fractured tooth due to trauma
• Insurer requires annual dental examination/treatment
• Some cover available under routine care option
• Not covered
• Does cover oral tumours
• Up to $2000 per condition
• Does cover oral tumours
• Up to $2000 per condition
• Not covered
• Does cover oral tumours
• Some cover available under routine care option
• Does cover oral tumours
• Some cover available under routine care option
• Not covered
• Does cover oral tumours
• Does cover oral tumours
• Covered
• Cover limited to periodontal disease, periodontitis, gingivitis, tartar, resorptive lesions and stomatitis
• Does not cover preventative dental care, scale/polish, toothbrushes, toothpastes, dental foods, chews, rinse or open/closed roof planing
• Covers conditions caused by complications from dental prophy
• Insurer requires annual dental exam/treatment
• Cover limited to periodontal disease, periodontitis, gingivitis, tartar, resorptive lesions and stomatitis
• Does not cover preventative dental care, scale/polish, toothbrushes, toothpastes, dental foods, chews, rinse or open/closed roof planing
• Covers conditions caused by complications from dental prophy
• Insurer requires annual dental exam/treatment
Ingestion of a foreign object
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• Up to two incidents per year
• Up to two incidents per year
• Covered
• Up to two incidents per year
• Up to two incidents per year
• Covered
• Up to two incidents per year
• Up to two incidents per year
Covered
Covered
• Covered as a specified injury
• Covered as a specified injury
• Covered
• One incident per year
• One incident per year
• Covered
• One incident per year
• One incident per year
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
Covered
Covered
Covered
Covered
• Covered
• One incident per year
• One incident per year
Covered
Covered
• Covered
• One incident per year
• One incident per year
Covered
Covered
• Covered
• One incident per year
• One incident per year
• Covered as a specified injury
• Covered as a specified injury
• Covered
• One incident per year
• 21 day waiting period
• One incident per year
• 21 day waiting period
• Covered
• One incident per year
• 21 day waiting period
• One incident per year
• 21 day waiting period
• Covered
• One incident per year
• 21 day waiting period
• One incident per year
• 21 day waiting period
Covered
Covered
Covered
• Covered
• One incident per year
• One incident per year
• Covered
• One incident per year
• One incident per year
Covered
Covered
Covered
Covered
Heart conditions
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Not covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Not covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Orthopaedic conditions
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
Covered
Covered
Covered
Covered
• Covered
• Up to $8000
• Up to $8000
• Covered
• Up to $4000
• Up to $4000
Covered
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
Covered
Covered
• Covered
• Covered treatments for osteoarthritis include stem cell therapy
• Covered treatments for osteoarthritis include stem cell therapy
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
Covered
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
Covered
Covered
• Covered
• Up to $1500 for osteochondritis dissecans (OCD)
• Up to $1500 for osteochondritis dissecans (OCD)
• Covered
• Up to $3000 for osteochondritis dissecans (OCD)
• Up to $3000 for osteochondritis dissecans (OCD)
• Covered
• Does not cover orthopaedic supports/braces
• Does not cover orthopaedic supports/braces
• Covered
• No cover for osteochondritis dissecans (OCD)
• No cover for osteochondritis dissecans (OCD)
• Covered
• Does not cover orthopaedic supports/braces
• Does not cover orthopaedic supports/braces
• Covered
• Does not cover orthopaedic supports/braces
• Does not cover orthopaedic supports/braces
• Covered
• Does not cover orthopaedic supports/braces
• Does not cover orthopaedic supports/braces
• Covered
• Does not cover orthopaedic supports/braces
• Does not cover orthopaedic supports/braces
• Covered
• Does not cover orthopaedic supports/braces
• Does not cover orthopaedic supports/braces
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• Specifically covered injuries include bone fracture
• Specifically covered injuries include bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
• Covered
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
Covered
Patella luxation
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered as a specified illness
• 21 day waiting period
• 21 day waiting period
Covered
• Covered
• 90 day waiting period
• 90 day waiting period
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• 6 month waiting period
• 6 month waiting period
Covered
Covered
Covered
• Covered
• 6 month waiting period
• 6 month waiting period
Covered
• Covered
• Up to $1500
• Up to $1500
• Covered
• Up to $3000
• Up to $3000
Covered
Not covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Not covered
• Covered
• 180 day waiting period
• 180 day waiting period
• Covered
• 180 day waiting period
• 180 day waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
Not covered
Not covered
Covered
Covered
Covered
Covered
Joint conditions
Covered
Covered
Covered
• Covered
• Covered treatments for joint condition include total hip replacement
• Covered treatments for joint condition include total hip replacement
• Covered
• Covered treatments for joint condition include total hip replacement
• Covered treatments for joint condition include total hip replacement
• Covered
• Covered treatments for joint condition include total hip replacement
• Covered treatments for joint condition include total hip replacement
• Covered
• Covered treatments for joint condition include total hip replacement
• Covered treatments for joint condition include total hip replacement
Covered
Covered
Covered
Covered
Covered
• Covered
• Up to $4000 for hip joint surgery/replacement (per hip)
• Up to $4000 for hip joint surgery/replacement (per hip)
Covered
• Covered
• Cover includes joint dysplasia
• 21 day waiting period
• Cover includes joint dysplasia
• 21 day waiting period
• Covered
• Cover includes joint dysplasia, elbow dysplasia, hip dysplasia, hyperextending hocks and degenerative joint disease
• Cover includes joint dysplasia, elbow dysplasia, hip dysplasia, hyperextending hocks and degenerative joint disease
• Covered
• Covered treatments include hip/elbow/knee replacements
• Covered treatments include hip/elbow/knee replacements
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
Covered
Covered
• Covered
• Up to $4000 for hip joint surgery (per hip)
• Up to $4000 for hip joint surgery (per hip)
• Covered
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• Covered
• Covered treatments for joint condition include total hip replacement
• Covered treatments for joint condition include total hip replacement
• Covered
• Covered treatments include hip/knee/elbow replacement
• Up to $1500 for hip dysplasia and osteochondritis dissecans (OCD)
• Covered treatments include hip/knee/elbow replacement
• Up to $1500 for hip dysplasia and osteochondritis dissecans (OCD)
• Covered
• Covered treatments include hip/knee/elbow replacement
• Up to $3000 for hip dysplasia and osteochondritis dissecans (OCD)
• Covered treatments include hip/knee/elbow replacement
• Up to $3000 for hip dysplasia and osteochondritis dissecans (OCD)
• Covered
• Up to $4000 for hip dysplasia
• Up to $4000 for hip dysplasia
• Covered
• No cover for hip dysplasia
• No cover for hip dysplasia
Covered
• Covered
• Up to $4000 for hip dysplasia
• Up to $4000 for hip dysplasia
Covered
Covered
• Covered
• Up to $4000 for hip dysplasia
• Up to $4000 for hip dysplasia
• Covered
• Covered treatments include total hip replacement
• Up to $6000 for hip joint surgery (per hip)
• Covered treatments include total hip replacement
• Up to $6000 for hip joint surgery (per hip)
• Covered
• Covered treatments include total hip replacement
• Covered treatments include total hip replacement
Not covered
• Covered
• No cover for arthritis
• Does not cover joint replacement
• No cover for arthritis
• Does not cover joint replacement
• Covered
• No cover for arthritis
• Does not cover joint replacement
• No cover for arthritis
• Does not cover joint replacement
• Covered
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• Covered
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• Covered
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• Covered
• No cover for elbow dysplasia
• No cover for elbow dysplasia
• Covered
• No cover for elbow dysplasia
• No cover for elbow dysplasia
Covered
Covered
Covered
Covered
Intervertebral disc disease
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• 30 day waiting period
• 30 day waiting period
• Covered
• 30 day waiting period
• 30 day waiting period
• Covered
• 30 day waiting period
• 30 day waiting period
Covered
Covered
Covered
Covered
Not covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• 6 month waiting period
• 6 month waiting period
Covered
Covered
Covered
• Covered
• 6 month waiting period
• 6 month waiting period
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Not covered
• Covered
• 21 day waiting period
• 21 day waiting period
• Covered
• 21 day waiting period
• 21 day waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
• Covered
• 6 month waiting period
• 6 month waiting period
Not covered
Not covered
Covered
Covered
Covered
Covered
Hereditary conditions
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Not covered
• Covered
• Up to $2300
• 180 day waiting period
• Up to $2300
• 180 day waiting period
• Covered
• Up to $3800
• 180 day waiting period
• Up to $3800
• 180 day waiting period
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Pregnancy and obstetrics
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Illness caused by parasites
• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and allergic reaction to flea/tick/worm control
• Up to $2000 for condition
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and allergic reaction to flea/tick/worm control
• Up to $2000 for condition
• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and allergic reaction to flea/tick/worm control
• Up to $1000 for tick paralysis
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and allergic reaction to flea/tick/worm control
• Up to $1000 for tick paralysis
• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and allergic reaction to flea/tick/worm control
• Up to $1200 for tick paralysis
• Some cover available under routine care option
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and allergic reaction to flea/tick/worm control
• Up to $1200 for tick paralysis
• Some cover available under routine care option
• Covered
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covered
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covered
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covered
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by reasonably preventable parasites, internal parasites, worms, heartworm, external parasites, fleas or ticks
• Up to $1500 for tick paralysis
• 30 day waiting period
• Some cover available under routine care option
• Cover limited to tick paralysis
• No cover for conditions caused by reasonably preventable parasites, internal parasites, worms, heartworm, external parasites, fleas or ticks
• Up to $1500 for tick paralysis
• 30 day waiting period
• Some cover available under routine care option
• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by reasonably preventable parasites, internal parasites, worms, heartworm, external parasites, fleas or ticks
• Up to $1000 for tick paralysis
• 30 day waiting period
• Cover limited to tick paralysis
• No cover for conditions caused by reasonably preventable parasites, internal parasites, worms, heartworm, external parasites, fleas or ticks
• Up to $1000 for tick paralysis
• 30 day waiting period
• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by reasonably preventable parasites, internal parasites, worms, heartworm, external parasites, fleas or ticks
• Up to $3000 for tick paralysis
• 30 day waiting period
• Some cover available under routine care option
• Cover limited to tick paralysis
• No cover for conditions caused by reasonably preventable parasites, internal parasites, worms, heartworm, external parasites, fleas or ticks
• Up to $3000 for tick paralysis
• 30 day waiting period
• Some cover available under routine care option
• Covered
• Cover includes tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1000 for tick paralysis
• Some cover available under routine care option
• Cover includes tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1000 for tick paralysis
• Some cover available under routine care option
• Covered
• Cover includes tick paralysis
• No cover for external parasites, ticks, fleas, skin mites or ear mites
• Up to $1500 for tick paralysis
• Some cover available under routine care option
• Cover includes tick paralysis
• No cover for external parasites, ticks, fleas, skin mites or ear mites
• Up to $1500 for tick paralysis
• Some cover available under routine care option
• Covered
• Up to $4000 for tick paralysis
• Some cover available under routine care option
• Up to $4000 for tick paralysis
• Some cover available under routine care option
• Covered
• Cover includes tick paralysis
• Some cover available under routine care option
• Cover includes tick paralysis
• Some cover available under routine care option
• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, ectoparasites, ticks, fleas or skin mites
• Up to $3500 for tick paralysis
• 21 day waiting period
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, ectoparasites, ticks, fleas or skin mites
• Up to $3500 for tick paralysis
• 21 day waiting period
• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, ectoparasites, ticks, fleas or skin mites
• Up to $3500 for tick paralysis
• 21 day waiting period
• Some cover available under routine care option
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, ectoparasites, ticks, fleas or skin mites
• Up to $3500 for tick paralysis
• 21 day waiting period
• Some cover available under routine care option
• Covered
• Insurer requires you to use parasite prevention products, in line with manufacturer's instructions
• Insurer requires you to use parasite prevention products, in line with manufacturer's instructions
• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $2000 for tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $2000 for tick paralysis
• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1000 for tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1000 for tick paralysis
• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1200 for tick paralysis
• Some cover available under routine care option
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1200 for tick paralysis
• Some cover available under routine care option
• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1500 for tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1500 for tick paralysis
• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $2000 for tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $2000 for tick paralysis
• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $2000 for tick paralysis
• Some cover available under routine care option
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $2000 for tick paralysis
• Some cover available under routine care option
• Covered
• Covers conditions caused by reaction to flea/tick/worm control
• Up to $1000 for tick paralysis
• Some cover available under routine care option
• Covers conditions caused by reaction to flea/tick/worm control
• Up to $1000 for tick paralysis
• Some cover available under routine care option
Covered
• Covered
• Cover includes tick paralysis
• Some cover available under routine care option
• Cover includes tick paralysis
• Some cover available under routine care option
• Covered
• Cover includes tick paralysis
• Some cover available under routine care option
• Cover includes tick paralysis
• Some cover available under routine care option
• Covered
• Up to $4000 for tick paralysis
• Some cover available under routine care option
• Up to $4000 for tick paralysis
• Some cover available under routine care option
Covered
• Covered
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Some cover available under routine care option
• Covered
• Cover limited to tick paralysis
• No cover for internal/external parasite prevention or treatment
• Insurer requires pet to be vaccinated against ticks
• Cover limited to tick paralysis
• No cover for internal/external parasite prevention or treatment
• Insurer requires pet to be vaccinated against ticks
• Covered
• Cover limited to tick paralysis
• No cover for internal/external parasite prevention or treatment
• Insurer requires pet to be vaccinated against ticks
• Cover limited to tick paralysis
• No cover for internal/external parasite prevention or treatment
• Insurer requires pet to be vaccinated against ticks
• Covered
• Cover includes tick paralysis
• Up to $2000 for tick paralysis (first claim)
• Up to $1000 for tick paralysis (subsequent claim)
• Some cover available under routine care option
• Cover includes tick paralysis
• Up to $2000 for tick paralysis (first claim)
• Up to $1000 for tick paralysis (subsequent claim)
• Some cover available under routine care option
• Covered
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Covered
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Covered
• Up to $2000 for tick paralysis (first claim)
• Up to $1000 for tick paralysis (subsequent claim)
• Some cover available under routine care option
• Up to $2000 for tick paralysis (first claim)
• Up to $1000 for tick paralysis (subsequent claim)
• Some cover available under routine care option
• Covered
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Covered
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Covered
• Up to $2000 for tick paralysis (first claim)
• Up to $1000 for tick paralysis (subsequent claim)
• Some cover available under routine care option
• Up to $2000 for tick paralysis (first claim)
• Up to $1000 for tick paralysis (subsequent claim)
• Some cover available under routine care option
• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and reaction to flea/tick/worm control
• Up to $3000 for tick paralysis
• Some cover available under routine care option
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and reaction to flea/tick/worm control
• Up to $3000 for tick paralysis
• Some cover available under routine care option
• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and reaction to flea/tick/worm control
• Some cover available under routine care option
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and reaction to flea/tick/worm control
• Some cover available under routine care option
• Covered
• Cover limited to tick paralysis
• Insurer requires up to date preventative treatments
• No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used
• Cover limited to tick paralysis
• Insurer requires up to date preventative treatments
• No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used
• Covered
• Cover limited to tick paralysis
• Insurer requires up to date preventative treatments
• No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used
• Cover limited to tick paralysis
• Insurer requires up to date preventative treatments
• No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used
• Covered
• Cover limited to tick paralysis
• Insurer requires up to date preventative treatments
• No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used
• Cover limited to tick paralysis
• Insurer requires up to date preventative treatments
• No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used
Covered
Covered
Covered
• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, heartworm, lungworm, toxoplasma, giardia, coccidia, ectoparasites, fleas, ticks or mites
• Some cover available under routine care option
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, heartworm, lungworm, toxoplasma, giardia, coccidia, ectoparasites, fleas, ticks or mites
• Some cover available under routine care option
• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, heartworm, lungworm, toxoplasma, giardia, coccidia, ectoparasites, fleas, ticks or mites
• Some cover available under routine care option
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, heartworm, lungworm, toxoplasma, giardia, coccidia, ectoparasites, fleas, ticks or mites
• Some cover available under routine care option
• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
• Up to $2000 for condition
• Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
• Up to $2000 for condition
• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
• Up to $1200 for tick paralysis
• Some cover available under routine care option
• Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
• Up to $1200 for tick paralysis
• Some cover available under routine care option
• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
• Up to $1000 for tick paralysis
• Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
• Up to $1000 for tick paralysis
• Covered
• Cover includes tick paralysis
• Cover includes tick paralysis
Skin conditions
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• Up to $500
• Up to $500
• Covered
• Up to $500
• Up to $500
Covered
Covered
Not covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered
• Up to $500
• Up to $500
• Covered
• Up to $500
• Up to $500
• Covered
• Up to $500
• Up to $500
Covered
Covered
• Covered
• Up to $500
• Up to $500
Covered
Covered
• Covered
• Up to $500
• Up to $500
Covered
Covered
Not covered
• Covered
• No cover for mange
• No cover for conditions caused by products used to maintain the cleanliness of pet or products for treatment of ectoparasites
• No cover for mange
• No cover for conditions caused by products used to maintain the cleanliness of pet or products for treatment of ectoparasites
• Covered
• No cover for mange
• No cover for conditions caused by products used to maintain the cleanliness of pet or products for treatment of ectoparasites
• No cover for mange
• No cover for conditions caused by products used to maintain the cleanliness of pet or products for treatment of ectoparasites
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Snakebite
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
Covered
Covered
Covered
Covered
• Covered
• Up to $1500
• Covers snake bite and strangling by snake
• 2 day waiting period
• Up to $1500
• Covers snake bite and strangling by snake
• 2 day waiting period
• Covered
• Up to $1000
• Covers snake bite and strangling by snake
• 2 day waiting period
• Up to $1000
• Covers snake bite and strangling by snake
• 2 day waiting period
• Covered
• Up to $3000
• Covers snake bite and strangling by snake
• 2 day waiting period
• Up to $3000
• Covers snake bite and strangling by snake
• 2 day waiting period
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
• Covers snake bite toxicity
• Covers snake bite toxicity
• Covered as a specified injury
• Covers snake bite toxicity
• Covers snake bite toxicity
• Covered
• No waiting period
• No waiting period
• Covered
• No waiting period
• No waiting period
Covered
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
Covered
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered as a specified injury
• Covered as a specified injury
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
• Covered as a specified injury
• Covered as a specified injury
• Covered as a specified injury
Covered
Vaccinatable Conditions
Covered
Covered
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Insurer requires up to date vaccination for canine distemper, canine parvovirus, canine kennel cough, canine hepatitis, canine adenovirus, feline herpes virus, feline calicivirus, feline enteritis and feline parvovirus and infections vet has recommended vaccination for
• Vaccine benefit available under routine care option
• Insurer requires up to date vaccination for canine distemper, canine parvovirus, canine kennel cough, canine hepatitis, canine adenovirus, feline herpes virus, feline calicivirus, feline enteritis and feline parvovirus and infections vet has recommended vaccination for
• Vaccine benefit available under routine care option
• Covered
• Insurer requires up to date vaccination for canine distemper, canine parvovirus, canine kennel cough, canine hepatitis, canine adenovirus, feline herpes virus, feline calicivirus, feline enteritis and feline parvovirus and infections vet has recommended vaccination for
• Insurer requires up to date vaccination for canine distemper, canine parvovirus, canine kennel cough, canine hepatitis, canine adenovirus, feline herpes virus, feline calicivirus, feline enteritis and feline parvovirus and infections vet has recommended vaccination for
• Covered
• Insurer requires up to date vaccination for canine distemper, canine parvovirus, canine kennel cough, canine hepatitis, canine adenovirus, feline herpes virus, feline calicivirus, feline enteritis and feline parvovirus and infections vet has recommended vaccination for
• Vaccine benefit available under routine care option
• Insurer requires up to date vaccination for canine distemper, canine parvovirus, canine kennel cough, canine hepatitis, canine adenovirus, feline herpes virus, feline calicivirus, feline enteritis and feline parvovirus and infections vet has recommended vaccination for
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
Not covered
• Covered
• Insurer requires regular vaccination for Feline infectious enteritis, feline leukaemia, cat flu, distemper, hepatitis, parvovirus, kennel cough and leptospirosis and any other vaccination recommended to you by a vet
• Vaccine benefit available under routine care option
• Insurer requires regular vaccination for Feline infectious enteritis, feline leukaemia, cat flu, distemper, hepatitis, parvovirus, kennel cough and leptospirosis and any other vaccination recommended to you by a vet
• Vaccine benefit available under routine care option
• Covered
• Insurer requires up to date vet-recommended vaccinations or valid anitbody test for the disease
• Does not cover vaccinations
• Insurer requires up to date vet-recommended vaccinations or valid anitbody test for the disease
• Does not cover vaccinations
Covered
Covered
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
Covered
Covered
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• 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
• 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
• Covered
• 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
• 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
• Covered
• 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
• Vaccine benefit available under routine care option
• 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
• Vaccine benefit available under routine care option
• Covered
• 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
• 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
• Covered
• 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
• 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
• Covered
• 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
• Vaccine benefit available under routine care option
• 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
• Vaccine benefit available under routine care option
• Covered
• 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
• 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
• Covered
• 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
• 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
• Covered
• 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
• Vaccine benefit available under routine care option
• 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
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
Not covered
• Covered
• Insurer requires current vaccination for parvovirus, canine distemper, Canine infectious hepatitis, kennel cough, leptospirosis, Feline Viral rhinotracheitis, feline calicivirus, feline panleukopenia and cat flu, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), feline chlamydiosis and Feline peritonitis (FIP) and disease for which vaccination is recommended by vet/Australian government
• Insurer requires current vaccination for parvovirus, canine distemper, Canine infectious hepatitis, kennel cough, leptospirosis, Feline Viral rhinotracheitis, feline calicivirus, feline panleukopenia and cat flu, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), feline chlamydiosis and Feline peritonitis (FIP) and disease for which vaccination is recommended by vet/Australian government
• Covered
• Insurer requires current vaccination for parvovirus, canine distemper, Canine infectious hepatitis, kennel cough, leptospirosis, Feline Viral rhinotracheitis, feline calicivirus, feline panleukopenia and cat flu, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), feline chlamydiosis and Feline peritonitis (FIP) and disease for which vaccination is recommended by vet/Australian government
• Insurer requires current vaccination for parvovirus, canine distemper, Canine infectious hepatitis, kennel cough, leptospirosis, Feline Viral rhinotracheitis, feline calicivirus, feline panleukopenia and cat flu, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), feline chlamydiosis and Feline peritonitis (FIP) and disease for which vaccination is recommended by vet/Australian government
• Covered
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Covered
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Covered
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis
• Covered
• Insurer requires regular vaccination for herpesvirus, calicivirus, panleukopenia, chlamydophila, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), distemper, adenovirus (infectious canine hepatitis), parvovirus and parainfluenza and kennel cough
• Vaccine benefit available under routine care option
• Insurer requires regular vaccination for herpesvirus, calicivirus, panleukopenia, chlamydophila, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), distemper, adenovirus (infectious canine hepatitis), parvovirus and parainfluenza and kennel cough
• Vaccine benefit available under routine care option
• Covered
• Insurer requires regular vaccination for herpesvirus, calicivirus, panleukopenia, chlamydophila, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), distemper, adenovirus (infectious canine hepatitis), parvovirus and parainfluenza and kennel cough
• Vaccine benefit available under routine care option
• Insurer requires regular vaccination for herpesvirus, calicivirus, panleukopenia, chlamydophila, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), distemper, adenovirus (infectious canine hepatitis), parvovirus and parainfluenza and kennel cough
• Vaccine benefit available under routine care option
Covered
• Covered
• Vaccine benefit available under routine care option
• Vaccine benefit available under routine care option
Covered
• Covered
• Vaccination required for illnesses you have vaccinated your pet for on the recommendation of your vet
• Vaccination required for illnesses you have vaccinated your pet for on the recommendation of your vet
Claims
How to claim
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• Email claim form
• Mail claim form
• Web form (customer or vet can submit)
• Mail claim form
• Web form (customer or vet can submit)
• Email claim form
• Mail claim form
• Web form (customer or vet can submit)
• Mail claim form
• Web form (customer or vet can submit)
• Email claim form
• Mail claim form
• Web form (customer or vet can submit)
• Mail claim form
• Web form (customer or vet can submit)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• Phone
• Web form (customer or vet can submit)
• Web form (customer or vet can submit)
• Phone
• Web form (customer or vet can submit)
• Web form (customer or vet can submit)
• App
• Fast Claims in app (if customer and vet opt in)
• Fast Claims in app (if customer and vet opt in)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• Customer portal
• Vet can email on your behalf
• Vet can email on your behalf
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
Customer portal
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• Email claim form
• Mail claim form
• Mail claim form
• Email claim form
• Mail claim form
• Mail claim form
• Email claim form
• Mail claim form
• Mail claim form
• Email claim form
• Mail claim form
• Mail claim form
• Email claim form
• Mail claim form
• Mail claim form
• Email claim form
• Mail claim form
• Mail claim form
• Email claim form
• Mail claim form
• Mail claim form
• Email claim form
• Mail claim form
• Mail claim form
• Email claim form
• Mail claim form
• Mail claim form
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
Customer portal
Customer portal
Customer portal
• Customer portal
• Phone
• Vet can email on your behalf
• Phone
• Vet can email on your behalf
• Customer portal
• Phone
• Vet can email on your behalf
• Phone
• Vet can email on your behalf
• Customer portal
• Phone
• Vet can email on your behalf
• Phone
• Vet can email on your behalf
• Customer portal
• Phone
• Phone
• Customer portal
• In store
• Phone
• In store
• Phone
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• 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)
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)
• Customer portal
• Email claim form
• GapOnly (vet submits on your behalf)
• Email claim form
• GapOnly (vet submits on your behalf)
Quick and easy claims
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Fast Claims (customer must opt in on app)
• Participating vet practices only
• Available weekdays 9am–5pm, Saturday 9am–3pm, Sunday 9am–1pm
• Participating vet practices only
• Available weekdays 9am–5pm, Saturday 9am–3pm, Sunday 9am–1pm
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• GapOnly
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
• Participating vet practices only
• Available 8am–10pm AEST (excluding Sundays and NSW public holidays)
Direct vet payments
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
1
1
Fast Claims claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
1
GapOnly claims only
GapOnly claims only
GapOnly claims only
GapOnly claims only
1
1
1
1
1
1
1
1
1
GapOnly claims only
GapOnly claims only
1
1
1
GapOnly claims only
GapOnly claims only
GapOnly claims only
1
Excesses
Excess
$0
$0
$0
Choose excess from $0, $250 or $500
Choose excess from $0 or $200
Choose excess from $0, $200 or $500
Choose excess from $0, $200 or $500
Choose excess from $100 or $200
Choose excess from $100 or $200
Choose excess from $100 or $200
Choose excess from $0, $100 or $200
Choose excess from $0, $100 or $200
Choose excess from $0 or $200
Choose excess from $0 or $200
Choose excess from $100 or $200
Choose excess from $100, $200 or $500
Choose excess from $0, $100 or $200
$0
$0
$0
Choose excess from $0 or $100
Choose excess from $0 or $50
Choose excess from $0 or $50
Choose excess from $0, $50, $100 or $200
Choose excess from $0, $100 or $200
Choose excess from $0, $100 or $250
Choose excess from $0, $100 or $250
Choose excess from $0, $100 or $250
Choose excess from $0, $75 or $150
Choose excess from $0, $100, $300 or $600
Choose excess from $450 or $900
Choose excess from $450 or $900
Choose excess from $0, $100 or $200
• Cats: $125
• Dogs: $150
• Dogs: $150
• Cats: $125
• Dogs: $150
• Dogs: $150
Choose excess from $0, $100 or $200
• Cats: $125
• Dogs: $150
• Dogs: $150
• Cats: $125
• Dogs: $150
• Dogs: $150
Choose excess from $0, $100 or $200
Choose excess from $0, $250 or $500
Choose excess from $0, $250 or $500
Choose excess from $100, $200 or $300
Choose excess from $100, $200 or $300
Choose excess from $100, $200 or $300
Choose excess from $0, $150, $200, $300 or $500
Choose excess from $0, $150, $200, $300 or $500
Choose excess from $0, $150, $200, $300 or $500
Choose excess from $0, $100 or $200
Choose excess from $0, $100 or $200
$0
$0
$0
Choose excess from $0–$1000
Additional benefits
Routine care
Not covered
Not covered
• Optional
• Up to $50 for one of: flea, tick, worm control; heartworm control; vaccinations; health checks; teeth cleaning; prescription diets; dew claw removal; de-sexing; council registration fees; microchipping; behavioural therapy; alternative therapies; dental illness treatment; puppy training or cremation or burial
• Up to $15 for heartworm tests or blood screening
• Up to $15 for FeLV/FIV tests or urinalysis
• Up to $50 for one of: flea, tick, worm control; heartworm control; vaccinations; health checks; teeth cleaning; prescription diets; dew claw removal; de-sexing; council registration fees; microchipping; behavioural therapy; alternative therapies; dental illness treatment; puppy training or cremation or burial
• Up to $15 for heartworm tests or blood screening
• Up to $15 for FeLV/FIV tests or urinalysis
• Optional
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
• Optional
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
• Optional
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
• Optional
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
• Optional
• Choose limit from $75 or $150
• Covers health checks, vaccinations, dental check-ups and scale/polish, flea/tick/worming treatments, blood/urine testing or alternative/complementary therapy
• Choose limit from $75 or $150
• Covers health checks, vaccinations, dental check-ups and scale/polish, flea/tick/worming treatments, blood/urine testing or alternative/complementary therapy
Not covered
• Optional
• Choose limit from $75 or $150
• Covers health checks, vaccinations, dental check-ups and scale/polish, flea/tick/worming treatments, blood/urine testing or alternative/complementary therapy
• Choose limit from $75 or $150
• Covers health checks, vaccinations, dental check-ups and scale/polish, flea/tick/worming treatments, blood/urine testing or alternative/complementary therapy
• Optional
• Up to $200 per year
• Up to $80 for desexing, micro-chipping, heartworm control/prevention, flea/tick/worm control, blood and urine tests, vaccinations and health checks, training, teeth cleaning, dew claw removal, prescription diets or cremation/burial
• Up to $200 per year
• Up to $80 for desexing, micro-chipping, heartworm control/prevention, flea/tick/worm control, blood and urine tests, vaccinations and health checks, training, teeth cleaning, dew claw removal, prescription diets or cremation/burial
• Optional
• Up to $200 per year
• Up to $80 for desexing, micro-chipping, heartworm control/prevention, flea/tick/worm control, blood and urine tests, vaccinations and health checks, training, teeth cleaning, dew claw removal, prescription diets or cremation/burial
• Up to $200 per year
• Up to $80 for desexing, micro-chipping, heartworm control/prevention, flea/tick/worm control, blood and urine tests, vaccinations and health checks, training, teeth cleaning, dew claw removal, prescription diets or cremation/burial
• Optional
• Up to $150 per year
• Up to $50 for desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication, obedience training, heartworm tests or blood screen, FeLV/FIV tests or urinalysis or flea/tick/worm control
• Up to $150 per year
• Up to $50 for desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication, obedience training, heartworm tests or blood screen, FeLV/FIV tests or urinalysis or flea/tick/worm control
• Optional
• Up to $150 per year
• Up to $50 for desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication, obedience training, heartworm tests or blood screen, FeLV/FIV tests or urinalysis or flea/tick/worm control
• Up to $150 per year
• Up to $50 for desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication, obedience training, heartworm tests or blood screen, FeLV/FIV tests or urinalysis or flea/tick/worm control
Not covered
Routine Care Lite option:
• Up to $150 per year
• Up to $80 for consultations or vaccinations
Routine Care Plus option:
• Up to $250 per year
• Up to $80 for consultations, vaccinations, dental check-up, alternative/complementary therapies or behavioural therapy
• Up to $150 per year
• Up to $80 for consultations or vaccinations
Routine Care Plus option:
• Up to $250 per year
• Up to $80 for consultations, vaccinations, dental check-up, alternative/complementary therapies or behavioural therapy
Not covered
Not covered
Not covered
• Optional
• Up to $80 per year
• Up to $80 per year
Not covered
Not covered
• Optional
• Up to $50 for one of: desexing and microchipping; heartworm preventative medication; teeth cleaning; dental illness treatment; vaccinations or health checks; council registration fees; prescription diets; alternative therapies for pets; dew claw removal; cremation or burial; behavioural therapy; obedience training or flea, tick or worm control
• Up to $15 for heartworm test or blood screen
• Up to $15 for FeLV/FIV test or urinalysis
• Up to $50 for one of: desexing and microchipping; heartworm preventative medication; teeth cleaning; dental illness treatment; vaccinations or health checks; council registration fees; prescription diets; alternative therapies for pets; dew claw removal; cremation or burial; behavioural therapy; obedience training or flea, tick or worm control
• Up to $15 for heartworm test or blood screen
• Up to $15 for FeLV/FIV test or urinalysis
• Optional
• Up to $50 for one of: desexing, heartworm control, dew claw removal, prescription diets, cremation/burial, microchipping, teeth cleaning, council registration fees or alternative therapies
• Up to $45 for one of: flea/tick/worm control
• Up to $30 for one of: vaccinations or health checks
• Up to $10 for one of: heartworm tests or blood screens
• Up to $10 for one of: FeLV/FIV tests or urinalysis
• Up to $50 for one of: desexing, heartworm control, dew claw removal, prescription diets, cremation/burial, microchipping, teeth cleaning, council registration fees or alternative therapies
• Up to $45 for one of: flea/tick/worm control
• Up to $30 for one of: vaccinations or health checks
• Up to $10 for one of: heartworm tests or blood screens
• Up to $10 for one of: FeLV/FIV tests or urinalysis
Pet care plans sold separately
• Optional
• Up to $50 for two of: desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication or obedience training
• Up to $45 for flea/tick/worm control
• Up to $10 for heartworm tests or blood screen
• Up to $10 for FeLV/FIV tests or urinalysis
• Up to $50 for two of: desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication or obedience training
• Up to $45 for flea/tick/worm control
• Up to $10 for heartworm tests or blood screen
• Up to $10 for FeLV/FIV tests or urinalysis
• Optional
• Up to $50 for two of: desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication or obedience training
• Up to $45 for flea/tick/worm control
• Up to $10 for heartworm tests or blood screen
• Up to $10 for FeLV/FIV tests or urinalysis
• Up to $50 for two of: desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication or obedience training
• Up to $45 for flea/tick/worm control
• Up to $10 for heartworm tests or blood screen
• Up to $10 for FeLV/FIV tests or urinalysis
• Optional
• Up to $50 for two of: desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication or obedience training
• Up to $45 for flea/tick/worm control
• Up to $10 for heartworm tests or blood screen
• Up to $10 for FeLV/FIV tests or urinalysis
• Up to $50 for two of: desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication or obedience training
• Up to $45 for flea/tick/worm control
• Up to $10 for heartworm tests or blood screen
• Up to $10 for FeLV/FIV tests or urinalysis
Not covered
• Optional
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping
Not covered
Not covered
• Optional
• Up to $50 for one 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 centre
• Up to $45 for flea/worm control
• Up to $30 for vaccinations or health check
• Up to $10 for heartworm test or blood screen
• Up to $10 for FeLv/ Fiv test or urinalysis
• Up to $50 for one 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 centre
• Up to $45 for flea/worm control
• Up to $30 for vaccinations or health check
• Up to $10 for heartworm test or blood screen
• Up to $10 for FeLv/ Fiv test or urinalysis
Not covered
Not covered
• Optional
• Up to $50 for one 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 centre
• Up to $45 for flea/worm control
• Up to $30 for vaccinations or health check
• Up to $10 for heartworm test or blood screen
• Up to $10 for FeLv/ Fiv test or urinalysis
• Up to $50 for one 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 centre
• Up to $45 for flea/worm control
• Up to $30 for vaccinations or health check
• Up to $10 for heartworm test or blood screen
• Up to $10 for FeLv/ Fiv test or urinalysis
Not covered
Not covered
• Optional
• Up to $50 for one 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 centre
• Up to $45 for flea/worm control
• Up to $30 for vaccinations or health check
• Up to $10 for heartworm test or blood screen
• Up to $10 for FeLv/ Fiv test or urinalysis
• Up to $50 for one 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 centre
• Up to $45 for flea/worm control
• Up to $30 for vaccinations or health check
• Up to $10 for heartworm test or blood screen
• Up to $10 for FeLv/ Fiv test or urinalysis
• 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
• 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
• 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
• 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
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
• Optional
• Up to $100 for de-sexing, micro-chipping, teeth cleaning, alternative therapies, heartworm preventative medication, food that is prescribed by your vet, council registration fees, health check-ups by your vet or vaccinations
• Up to $100 for de-sexing, micro-chipping, teeth cleaning, alternative therapies, heartworm preventative medication, food that is prescribed by your vet, council registration fees, health check-ups by your vet or vaccinations
• Optional
• Up to $100 for de-sexing, micro-chipping, teeth cleaning, alternative therapies, heartworm preventative medication, food that is prescribed by your vet, council registration fees, health check-ups by your vet or vaccinations
• Up to $100 for de-sexing, micro-chipping, teeth cleaning, alternative therapies, heartworm preventative medication, food that is prescribed by your vet, council registration fees, health check-ups by your vet or vaccinations
Not covered
• Optional
• Up to $50 for one of: de-sexing; microchipping; heartworm preventative medication; teeth cleaning; council registration fees; alternative therapies for pets; prescription diets; dewclaw removal; cremation or burial; behavioural therapy; dental illness treatment; obedience training (at a recognised training facility); flea, tick or worm control or vaccinations or health checks
• Up to $15 for heartworm tests or blood screening
• Up to $15 for FeLV/FIV tests or urinalysis
• Up to $50 for one of: de-sexing; microchipping; heartworm preventative medication; teeth cleaning; council registration fees; alternative therapies for pets; prescription diets; dewclaw removal; cremation or burial; behavioural therapy; dental illness treatment; obedience training (at a recognised training facility); flea, tick or worm control or vaccinations or health checks
• Up to $15 for heartworm tests or blood screening
• Up to $15 for FeLV/FIV tests or urinalysis
Not covered
Not covered
Alternative therapies
Not covered
Not covered
• Optional
• Some cover available under routine care option
• Some cover available under routine care option
• Optional, bundled with other extras
• Up to $2000
• Up to $2000
• Optional, bundled with other extras
• Up to $2000
• Up to $2000
• Optional, bundled with other extras
• Up to $2000
• Up to $2000
• Optional, bundled with other extras
• Up to $2000
• Up to $2000
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
• Optional
• Up to $1000
• Up to $1000
• Optional
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
• Optional
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
Not covered
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
Covered
Not covered
Not covered
• Optional
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
Not covered
• Optional
• Some cover available under routine care option
• Some cover available under routine care option
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
Optional
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
• Optional
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
• Optional
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option
• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option
• Pet must be under 3 years when first taking out this option
• Optional, bundled with other extras
• Up to $2000
• Up to $2000
Not covered
Not covered
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Covered
• Up to $1000
• Up to $1000
• Covered
• Up to $2000
• Up to $2000
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Covered
• Up to $2000
• Up to $2000
• Covered
• Up to $4000
• Up to $4000
• Not covered
• Some cover available under routine care option
• Some cover available under routine care option
• Optional
• Some cover available under routine care option
• Some cover available under routine care option
• Optional
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
Covered
Covered
• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option
• Pet must be under 3 years when first taking out this option
• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option
• Pet must be under 3 years when first taking out this option
• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option
• Pet must be under 3 years when first taking out this option
• Optional
• Some cover available under routine care option
• Some cover available under routine care option
• Optional
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
• Optional
• Some cover available under routine care option
• Some cover available under routine care option
Not covered
Optional
Lost animal
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Covers social media campaign run by insurer and targeting people in your postcode
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
• Up to $1000 for advertising and rewards
• Up to purchase price of animal or $1500 for theft/straying (optional)
• Up to purchase price of animal or $1500 for theft/straying (optional)
• Up to $1000 for advertising and rewards
• Up to purchase price of animal or $1500 for theft/straying (optional)
• Up to purchase price of animal or $1500 for theft/straying (optional)
Not covered
• Up to $1000 for advertising and rewards
• Up to purchase price of animal or $1500 for theft/straying (optional)
• Up to purchase price of animal or $1500 for theft/straying (optional)
• Up to $2000 for advertising and rewards
• Up to purchase price of animal or $2000 for theft or straying
• Up to purchase price of animal or $2000 for theft or straying
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
• Optional
• Up to $500 for local newspaper advertising and rewards
• Up to $500 for local newspaper advertising and rewards
Necessary euthanasia
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Up to $1000
Up to $1000
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Not covered
Not covered
Up to $300
Not covered
Not covered
Up to $300
Not covered
Not covered
Up to $300
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Covered
Telehealth vet service
Not covered
Not covered
Not covered
• Text or video call with vet
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
Not covered
Not covered
Not covered
• Text or video call with vet
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
Not covered
Not covered
• In-app chat with a vet
• Available 24/7
• Available 24/7
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
• Text or video call with vet
• Available 24/7
• Available 24/7
• Call or online chat with a registered vet nurse
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
• Call a vet
• Available weekdays 8am–8pm
• Available weekdays 8am–8pm
• Text or video call with vet
• Available 24/7
• Available 24/7
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
• Text or video call with vet
• Available 24/7
• Available 24/7
• Text or video call with vet
• Available 24/7
• Available 24/7
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Legal liability
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
• Covered for registered guide dogs only
• Up to $1000000
• Up to $1000000
• Covered for registered guide dogs only
• Up to $1000000
• Up to $1000000
• Covered for registered guide dogs only
• Up to $1000000
• Up to $1000000
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
• Optional for dogs only
• Up to $1000000
• Up to $1000000
• Optional for dogs only
• Up to $1000000
• Up to $1000000
• Covered for dogs only
• Up to $1000000
• Up to $1000000
• Covered for dogs only
• Up to $1000000
• Up to $1000000
• Covered for dogs only
• Up to $3000000
• Up to $3000000
• Covered for dogs only
• Up to $1000000
• Up to $1000000
• Covered for dogs only
• Up to $3000000
• Up to $3000000
• Covered for dogs only
• Up to $5000000
• Up to $5000000
• Covered for dogs only
• Up to $1000000
• Up to $1000000
Not covered
Not covered
Up to $10000
Up to $10000
Up to $10000
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
Not covered
• Optional
• Up to $25000
• Up to $25000