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Australian Seniors Top Cover review

Limited injury and comprehensive illness cover for cats and dogs

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Description

Insurer
Australian Seniors
Policy
Top Cover
Underwriter
PetSure (Australia) Pty Ltd
Policy type
  • Limited injury cover
  • Comprehensive illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
8 years
Maximum benefit per year
$12000
Benefit paid per claim
80% vet bill covered

Excesses

Excess
$0

Covered events

Injury
  • Limited cover
  • No waiting period <b>Covers these specified injuries only:</b>
  • 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
Illness
  • Comprehensive cover
  • 30 day waiting period
Vet consults
Up to $300
Emergency treatment
Covered
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Conditions

Allergic reaction
Covered
Brachycephalic Airway Obstruction Syndrome
Covered
Behavioural conditions
  • Not covered
  • Some cover available under routine care option
Cancer
Covered
Cruciate ligament conditions
  • 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
Ear conditions
Covered
Eye conditions
Covered
Dental and oral health conditions
  • Not covered
  • Does cover oral tumours
  • Some cover available under routine care option
Ingestion of a foreign object
Covered
Heart conditions
Covered
Orthopaedic conditions
  • Covered
  • Specifically covered injuries include bone fracture
  • Cover limited to bone fracture
Patella luxation
Covered
Joint conditions
Covered
Intervertebral disc disease
Covered
Hereditary conditions
Covered
Pregnancy and obstetrics
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 $1200 for tick paralysis
  • Some cover available under routine care option
Skin conditions
Covered
Snakebite
  • Covered as a specified injury
Vaccinatable Conditions
  • Covered
  • Vaccine benefit available under routine care option

Additional benefits

Routine care
  • 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
Alternative therapies
  • Optional
  • Some cover available under routine care option
Lost animal
Not covered
Necessary euthanasia
Covered
Telehealth vet service
Not covered
Legal liability
Not covered

Claims

Howtoclaim
  • Customer web portal
  • E-claim (vet submits on your behalf)
  • GapOnly (vet submits on your behalf)
  • Mail claim form (vet must fill out a section)
Quickeasyclaims
  • GapOnly
  • Participating vet practices only
  • Available 8am聳10pm AEST (excluding Sundays and NSW public holidays)
Directpayments
GapOnly claims only

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Jodi Bird

Jodi Bird is the Managing Financial Content Editor at 糖心Vlog. Previously at 糖心Vlog, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on 糖心Vlog's Australian Financial Services License.

Jodi Bird is the Managing Financial Content Editor at 糖心Vlog. Previously at 糖心Vlog, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on 糖心Vlog's Australian Financial Services License.