At Petcover Australia, we treat complaints very seriously and believe you have the right to a fair, swift and courteous service at all times. If you are dissatisfied with the service you have received and wish to make a complaint, please contact us and we will endeavour to resolve the issue as quickly as possible. The below policy provides you with an overview of the process you can expect us to undertake in order to resolve any complaint that you may have.

1. Immediate response and resolution

Many concerns can be resolved immediately or within a short amount of time. If you have a complaint about the service we have provided to you, please address your enquiry or complaint to the staff member providing the service, or phone 1300 731 324 during normal office hours.

2. Contact our dispute resolution team

If we are unable to resolve your concern, immediately or within 2 days, we will escalate your concerns as a complaint to Petcover’s Internal Dispute Resolution Team.

Your complaint will be handled by a person with appropriate authority, knowledge and experience. You will be provided with the contact details of the person assigned your complaint. We will make a decision about your complaint within 30 calendar days, however, we will aim to resolve your complaint within 10 business days. If we are unable to provide a written response setting out the final decision within 10 business days, we will notify you of this and provide an update every 10 business days thereafter.

HDI Global Specialty SE and MS Amlin policyholders
If we are not able to resolve your complaint within 10 business days, we will either escalate the matter to HDI Global Specialty SE – Australia or Lloyds Australia. You also have the option to contact the underwriter yourself.

The internal review processes will be completed within 30 calendar days. Contact details for the Internal Dispute Resolution team:

Petcover Aust Pty Ltd
Internal Dispute Resolution
1-3 Smolic Crt
Tullamarine, VIC 3043
Phone: 1300 731 324

HDI Global Specialty SE policyholders
HDI Global Specialty SE – Australia
Tower 1, Level 40
100 Barangaroo Avenue
Sydney, NSW 2000

MS Amlin by Lloyds policyholders
Lloyd’s Australia Limited
Level 9, 1 O’Connell Street
Sydney, NSW 2000
Phone: 02 8298 0783

3. External Dispute Resolution

In the unlikely event that Your complaint is not resolved to Your satisfaction following Petcover’s Internal Dispute Resolution Process, You may be able to take Your matter to the independent dispute resolution body, the Australian Financial Complaints Authority (AFCA). AFCA resolves certain insurance disputes between consumers and Insurers and will provide an independent review at no cost to You. We are bound by the determination of AFCA but the determination is not binding on You. Contact details for AFCA: Australian Financial Complaints Authority Telephone: 1800 931 678 Email: GPO Box 3, Melbourne VIC 3000