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Petinsurance.com.au Gold Cover review

Limited injury and comprehensive illness cover for cats and dogs

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Description

Insurer
Petinsurance.com.au
Policy
Gold 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
$20000
Benefit paid per claim
80% vet bill covered

Excesses

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

Covered events

Injury
  • Limited cover
  • No waiting period <b>Covers these specified injuries only:</b>
  • motor vehicle incident
  • burn or electrocution
  • reaction to a bite from an insect, spider or scorpion
  • near drowning incident
  • bone fracture
  • traumatic tooth fracture
  • snake bite toxicity
  • ingestion of a foreign object
  • poisoning
  • traumatic ligament or tendon injury
  • bite wound or fight wound abscesses
  • lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
  • cruciate ligament condition
Illness
  • Comprehensive cover
  • 21 day waiting period
Vet consults
Up to $500
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 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
Ear conditions
Covered
Eye conditions
Covered
Dental and oral health conditions
  • Not covered by default
  • Does cover traumatic tooth fracture and oral tumours <b>Optional cover:</b>
  • Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
  • No cover for odontoclastic resorptive lesions
  • Up to $1000
  • 6 month waiting period
  • Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
  • Does not cover corrective treatment, cosmetic dental surgery, crowns, orthodontic treatment or root canal
  • Insurer requires annual routine dental check-ups
  • Some cover available under routine care option
Ingestion of a foreign object
  • Covered as a specified injury
Heart conditions
Covered
Orthopaedic conditions
  • Covered
  • Specifically covered injuries include bone fracture
Patella luxation
Covered
Joint conditions
  • Covered
  • Covered treatments include total hip replacement
  • Up to $6000 for hip joint surgery (per hip)
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 reaction to flea/tick/worm control
  • Up to $3000 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 $100 for one of: desexing, microchipping, heartworm control, teeth cleaning, prescription diets, cremation or burial, dental illness treatment, council registration fees, obedience training, behavioural therapy or alternative therapies
  • Up to $50 for one of: vaccination or health check, flea/tick/worm control or blood screen
Alternative therapies
  • Optional
  • Some cover available under routine care option
Lost animal
Not covered
Necessary euthanasia
Covered
Telehealth vet service
  • Text or video call with vet
  • Available 24/7
Legal liability
Not covered

Claims

Howtoclaim
  • Customer web portal
  • E-claim (vet submits on your behalf)
  • GapOnly (vet submits on your behalf)
  • Mail claim form (vet must fill out a section)
Quickeasyclaims
  • GapOnly
  • Participating vet practices only
  • Available 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.