FAQs

We will cover illnesses for which a vaccine is available (i.e. kennel cough, parvo virus, herpes virus or leptospirosis), providing your pet has been vaccinated and that the vaccination is current.

Yes, we will cover the costs of hereditary and congenital disorders, providing the pet was not showing clinical signs of the condition before cover has started or within the 14 or 28 day waiting period and it is not excluded in your policy documentation or certificate of Insurance.

Providing the cancer is not a pre-existing condition or an exclusion on your policy, we will cover the costs of the treatment of cancer, such as chemotherapy. We do not cover the costs of transplant surgery or stem cell treatments.

No, insurance is for the unknown and unforeseen; no insurance company will provide cover for something that has already occurred before taking out cover. Any accident, injury or illness which has already happened or is showing clinical signs before cover has started, is classed as pre-existing. Any illnesses that occurs in the first 14 or 28 day days of cover (waiting period), or any pre-existing conditions are also not covered. If your pet was injured or ill at any time before your insurance starts, we won’t cover any costs relating to that injury or illness. This is regardless of whether or not we place any exclusions for the injury or illness in your certificate of insurance.

Yes, if you chose a plan that includes alternative treatment methods. The treatment has to be referred and endorsed by your vet and deemed necessary to treat an injury and/or illness. Other alternative treatments and therapies covered are acupuncture, homeopathy, herbal medicine, chiropractic manipulation, osteopathy and hydrotherapy for up to 10 sessions in total per period of insurance, up to the annual maximum benefit of your selected plan if they are to treat an injury or illness.

Yes, we will cover the cost even if a diagnosis is not made.

Yes, your pet will be covered anywhere within Austria and for up to 90 days for all journeys in the period of insurance. This includes the duration of your holiday or business trip and any travel in and between Austria and an agreed country and return journey home.

Petcover provides peace of mind that your pet will have access to very best veterinary attention should an unexpected injury or illness happen, that you otherwise would not be able to budget for. Routine, preventative or elective care of your pet, such as vaccinations, worming or de-sexing can be budgeted for. This is similar to how your car insurance as it generally does not cover routine service, tyre care or registration fees. We do however offer an optional Day to Day Benefit that covers routine treatments and procedures such as vaccinations, de-sexing or tick and flea treatment and that you can add to some of our plans if you would like that additional peace of mind.

Yes, we work with insurance providers that will cover the costs of treatment of a behavioural condition your vet has diagnosed. Our Superior Range, Mid-Range and Economy Plans offer this benefit inclusive or as an optional extra.

Yes, our Mid-Range Plans cover for the treatment of tick-borne diseases and it is not limited to a set number of incidents per year.

We offer lifetime insurance for your pet on most of our policies, providing there is no break in cover. Please refer to your product table or your certificate of insurance. If you have a lifetime cover, the number of times you can claim for the same illness is unlimited. So you can give your animal the very best in veterinary care regardless of how much it costs. However, the amount for which you can claim in any one year is capped on an annual basis to the maximum benefit amount stated in your policy and a fixed excess will apply to any claims made. With our lifetime policies, the excess is payable per unrelated condition (illness), per policy year. Remember, with a genuine lifetime plan, you get what you pay for – a comprehensive pet insurance policy that will cover your pet’s conditions for life!

With every policy you sign up for, you must take reasonable precautions to maintain your pet’s health and to prevent any illness, injury or loss. This means you must arrange and pay for them to have an annual dental examination and general check-up (including vaccinations) and follow any veterinary advice given by a vet in order to prevent oral disease. By continuing with these regular check-ups, this shows us that you have played your part in caring for your pet, so we can play ours. If you fail to have a dental check and follow any veterinary advice given at the time it may affect a claim for a dental-related condition. The only exemption are some of the exotic species.

We cover the treatment costs for veterinary fees attributed to accidents, injuries or illnesses which may happen to your pet, providing the condition did not happen before the cover was bought. After the cover has started, cover for injuries and accidents starts immediately on sign up and illness cover begins after the 14 or 28 day waiting period.

Please call us on 0800 400 720. Our opening hours are: 8:30am to 5.00pm

Yes, your premium will increase each year. This is due to two main reasons:

Reason #1: Just like humans, as our pets age they maybe more likely to have health hiccups. Cats and dogs age faster than we do, which means that their veterinary treatment costs are likely to go up rapidly each year too. As a result, the cost of insuring your pet will also increase as they get older.

Reason #2: Advancements in Veterinary Treatments.

The overall cost of medical treatment for pets has risen in recent years, due to the increased availability of medical treatments, technology-enabled services and the ongoing demand for these services. The advancement in treatment options are providing us with great opportunities to give our pets a great quality of life for longer.

While this is great news for the care of our pets, these treatments come at a significant cost. Year on year treatment costs increase, and this is factored into the cost of pet insurance.

To protect all parties concerned, we must have all cancellation requests in writing. This can be done by email or in writing. You can cancel your policy with a minimum 4 week cancellation notice before the end of your policy, if you are within the 14 day cooling-off period and no claims have been made, any premiums paid since the cover started will be refunded.

You can switch your pet insurance from another provider, as long as you meet our acceptance criteria. Any pre-existing conditions will be excluded in your new policy. This means if you switch from another provider, anything you claimed for with them will not be covered by us. Waiting periods will apply for illnesses from the day your new policy is activated.

Yes, you can take your pet(s) to any registered veterinarian Austria wide. We can also provide you with a list of our Partner Veterinary Clinics.

No, we do not apply any breed specific illness exclusions. All of our exclusions are solely based on the health history of your pet before the date your application is accepted (there is a 14 or 28 day waiting period on illnesses).

Your insurance premiums are calculated using a number of different factors, including your pet’s breed, age, location and individual claims history. We also review our claims data to determine the severity, frequency and costs of claims affecting individual breeds. This allows us to determine the relevant risk of each breed to make sure owners of low risk pets are not financially bearing the costs of those with high risk breeds.

If you have three or more pets, you may qualify for our multi-pet discount of 10%. Please contact us if you would like more information about the offer.

Just as some dogs cost more to feed, some also cost more in veterinary care. These are select breeds and include: Bandog, Bavarian Mountain Hound, Bergamasco Shepherd Dog, Briard, Blood Hound, Boerboel, Beauceron, Bernese Mountain Dog, Boston Terrier, Bracco, All Bulldogs (i.e. English, American, Australian, Miniature, etc.), Bull Arab, Deerhound, Dogue de Bordeaux, Entlebucher Mountain Dog, Estrela Mountain Dog, Grand Blue De Gascoigne, Great Dane, Greater Swiss Mountain Dog, Hamiltonstovare, Hungarian Kuvasz, Irish Wolfhound, Komondor, Maremma Sheepdog, Leonberger, All Mastiff Breeds, Newfoundland, Old English Sheepdog, Polish Lowland Sheepdog, Pyrenean Mountain Dog, Rottweiler, Russian Black Terrier, Shar Pei, St Bernard or any crosses of these breeds. If you’re looking to insure a select breed, you may be asked to provide their full vet history before we can offer you cover.

Your first payment will be taken immediately after your policy and payment details have been confirmed, as your cover won’t be valid until your first payment has been made. If you have any questions about your direct debit payments or you want to change your payment date, please call us on 0800 400 720.

Yes, we have a number of international partners:

We share more than 40 years’ experience in the pet insurance industry worldwide and have a passion for furry friends. We are pet insurance specialists and are committed help to keep the nation’s pets healthy and their owners happy.

Pet insurance is there to cover you and your pet when the unexpected happens. With the cost of vet treatments rising, it allows you the peace of mind that your pet will get the best treatment available. All you will have to do is look after them during recovery.

Your details will be stored on our computer system to administer your policy. All data is handled in accordance with GDPR so we can only discuss your policy details with you, a person named on your policy or a person specified by you. We may share your details with other insurance companies, directly or through a number of databases. This allows us to check information you give us and also helps us prevent fraud.

We do not want to do anything to discourage customers from getting their pet treated when it is unwell or injured. For this reason, we do not have a no claims discount, as it may encourage people not to seek veterinary treatment for fear of losing any potential discount.

We will pay the claim directly into your bank account. If you require a different method of payment, please contact us.

We would like you to submit your claim as soon as your pet has been treated. However, you are required to submit a claim within 12 months of your vet’s invoice date for the relevant accident, injury or illness treatment.

Yes, as long as they are happy to accept payment in this way. We can’t direct any veterinarian to accept a payment on your behalf, so you must make sure they complete and sign the direct payment section on the claim form.

You are covered for treatment costs for veterinary fees attributed to accidents, injuries or illnesses which may happen to your pet, providing the condition did not happen before your cover started. Cover for injuries and accidents starts immediately on sign up and illness cover begins after the 14 or 28 day waiting period

It’s your choice whether or not to vaccinate your pet, but if they get an illness for which a vaccine is available and they aren’t vaccinated, you will not be able to claim for the cost of the treatment. However, you will still be able to claim for any other illness.

Yes, we work with insurance providers that will cover the costs of treatment of a behavioural condition your vet has diagnosed. Our Superior Range, Mid-Range and Economy Plans offer this benefit inclusive or as an optional extra.