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Petcover Key review

Comprehensive injury and illness cover for cats and dogs

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Description

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

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
7 years
Maximum benefit per year
$15000
Benefit paid per claim
Choose from 70%, 80% or 90% vet bill covered

Excesses

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

Covered events

Injury
  • Comprehensive cover
  • No waiting period
Illness
  • Comprehensive cover
  • 28 day waiting period
Vet consults
Up to $400
Emergency treatment
Covered
Pre-existing conditions
Not covered

Conditions

Allergic reaction
Covered
Brachycephalic Airway Obstruction Syndrome
  • Covered
  • 365 day waiting period
Behavioural conditions
  • Not covered
  • Some cover available under routine care option
Cancer
  • Covered
  • Up to $5000
Cruciate ligament conditions
  • Covered
  • Up to $3000
  • 6 month waiting period
Ear conditions
Covered
Eye conditions
Covered
Dental and oral health conditions
  • Covered
  • No cover for luxation, horizontal bone loss, impacted teeth or embedded teeth, gingival hyperplasia, malocclusion, linguoversion, wry bite, supernumerary teeth, reverse scissor bite, posterior cross bite, anterior crossbite, overbite, brachygnathia, open bite or level bite
  • Does not cover periodontics, dental check-ups, comprehensive oral health assessment and treatment (COHAT), dental x-rays, dental prophylaxis, dental scale/polish, teeth cleaning, gingival curettes, removal of plaque/calculus, periodontal surgery, dental sealants, dental vaccines, prosthodontics, removal/repair of misaligned/retained deciduous teeth, orthodontic appliances, crowns, caps/splints, root canal or orthodontics
  • Covers conditions caused by complications from routine dental treatment
  • Insurer requires annual dental examination/treatment
  • Some cover available under routine care option
Ingestion of a foreign object
  • Covered
  • One incident per year
Heart conditions
Covered
Orthopaedic conditions
  • Covered
  • Does not cover orthopaedic supports/braces
Patella luxation
Covered
Joint conditions
  • Covered
  • Up to $4000 for hip dysplasia
Intervertebral disc disease
Covered
Hereditary conditions
Covered
Pregnancy and obstetrics
Not covered
Illness caused by parasites
  • Covered
  • Up to $2000 for tick paralysis (first claim)
  • Up to $1000 for tick paralysis (subsequent claim)
  • Some cover available under routine care option
Skin conditions
  • Covered
  • Up to $500
Snakebite
Covered
Vaccinatable Conditions
  • 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

Additional benefits

Routine care
  • 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
Alternative therapies
  • Not covered
  • Some cover available under routine care option
Lost animal
Not covered
Necessary euthanasia
Up to $300
Telehealth vet service
Not covered
Legal liability
  • Covered for dogs only
  • Up to $1000000

Claims

Howtoclaim
  • Email claim form
  • Mail claim form
Quickeasyclaims
Directpayments
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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.