Dog insurance

Whether you’ve got an active puppy, an obedient dog or a calmer older dog, we've got you covered with a range of policy options packed with added benefits to suit.

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Compare our plans to find the best level of cover for your dog

Petcover’s dog insurance plans are designed to cover the unexpected so you can afford the care your pet deserves.
We give pet parents peace of mind by taking the financial worry out of having a puppy or dog. 

As pet insurance specialists, we offer Australia’s best range of policy options packed with added benefits to suit every pet and budget.
You can choose from our three levels of cover: Superior, Mid-range and Safety-net. Each cover offers different benefits and levels of cover.
Our comparison table below outlines the key differences between our plans to help you choose the option right for you and your pet. 

Superior – the most comprehensive insurance cover we offer, with the lowest excess, giving you confidence that your dog will be looked after if illness or injury strikes.

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $20,000
    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to $4,000
    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

    Up to $2,000

  • Death from injury

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

    Up to $2,000

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $5 million
    Any one loss occurrence.)

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

    Up to $2,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing.

    Up to $2,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

    Up to $2,000

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

    Up to $2,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $150
    $150+20% (8+ years)
    $150+35% (10+ years)

    Select Breeds
    $150+20% (4+ years)
    $150+35% (7+ years)

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Multi-pet discount

    Cover the cost of multiple pets

    (3+ eligible pets)

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $15,000
    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to $2,000
    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

    Up to $1,500
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

    Up to $1,500
    Optional extra benefit

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $3 million
    (Any one loss occurrence.)

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

    Up to $1,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

    Up to $1,500
    Optional extra benefit

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

    Up to $1,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $150
    $150+20% (8+ years)
    $150+35% (10+ years)

    Select Breeds
    $150+20% (4+ years)
    $150+35% (7+ years)

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Multi-pet discount

    Cover the cost of multiple pets

    (3+ eligible pets)

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $10,000
    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to $2,000
    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Death from illness

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

    Up to $1,500
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

    Up to $1,500
    Optional extra benefit

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $3 million
    (any one loss occurrence)

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

    Up to $1,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

    Up to $1,500
    Optional extra benefit

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

    Up to $1,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $150
    $150+20% (8+ years)
    $150+35% (10+ years)

    Select Breeds
    $150+20% (4+ years)
    $150+35% (7+ years)

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Multi-pet discount

    Cover the cost of multiple pets

    (3+ eligible pets)

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Benefits

Superior

Mid-point

Entry

Umbrella for life

Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $20,000
(As shown in the Certificate of Insurance.)

Up to $15,000
(As shown in the Certificate of Insurance.)

Up to $10,000
(As shown in the Certificate of Insurance.)

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Up to $4,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $5 million
Any one loss occurrence.)

Up to $3 million
(Any one loss occurrence.)

Up to $3 million
(any one loss occurrence)

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

Up to $2,000

Up to $1,000

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing.

Up to $2,000

Up to $1,000

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

Up to $2,000

Up to $1,000

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Up to $1,000

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Up to $500

Up to $500

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Multi-pet discount

Cover the cost of multiple pets

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Mid-range – our most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your dog’s needs. 

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $15,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million
    (Any one loss occurrence.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $3,000

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000
    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000
    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500
    Annual sub limit

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    (3+ eligible pets)

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

    Means the non-refundable amount you will be required to pay for claims covered under this policy.

    Option 1: $o | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit:
    6 months

Optional extras

  • Day to day care

    Means the maximum amount that can be claimed for each of the mentioned benefits.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre


    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ Fic test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $10,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million
    (Any one loss occurrence.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $2,500

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000
    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000
    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500
    Annual sub limit

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    (3+ eligible pets)

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

    Means the non-refundable amount you will be required to pay for claims covered under this policy.

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

Optional extras

  • Day to day care

    Means the maximum amount that can be claimed for each of the mentioned benefits.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre


    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ Fic test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $5,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million
    (Any one loss occurrence.)

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition under this policy.

    Up to $1,500

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Paralysis tick

    Means the maximum benefit you can claim for on this condition under this policy.

    1st claim up to $2,000 | Subsequent claims up to $1,000

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000
    Annual sub limit

  • Hip dysplasia

    The maximum benefit you can claim for this condition under this policy.

    Up to $4,000
    Annual sub limit

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500
    Annual sub limit

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

    Up to $500

  • Saying goodbye to your pet

    The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

    Up to $300

  • Multi-pet discount

    (3+ eligible pets)

  • Co-payment options

    Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

    Option 1: 10% | Option 2: 20% | Option 3: 30%

  • Excess options

    Means the non-refundable amount you will be required to pay for claims covered under this policy.

    Option 1: $0 | Option 2: $100 | Option 3: $200

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 28 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

Optional extras

  • Day to day care

    Means the maximum amount that can be claimed for each of the mentioned benefits.

    $50 Annual benefit for only one (1) of the following:

    De-sexing
    Microchipping
    Heartworm
    Behavioural therapy
    Teeth cleaning
    Council registration fees
    Alternative therapies
    Prescription diets
    Dewclaw removal
    Dog training at a recognised training centre


    Annual Benefit for all of the following:

    Vaccinations or health check – $30
    Heartworm test or blood screen – $10
    FeLv/ Fic test or urinalysis – $10
    Flea/worm control – $45

  • Eligibility

    By selecting the optional day to day care benefit and paying an additional premium.

  • Excess applicable (optional day to day care benefit)

    NIL

Benefits

Key

Vital

Core

Umbrella for life

Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $15,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million
(Any one loss occurrence.)

Up to $1 million
(Any one loss occurrence.)

Up to $1 million
(Any one loss occurrence.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $3,000

Up to $2,500

Up to $1,500

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Up to $400

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000
Annual sub limit

Up to $5,000
Annual sub limit

Up to $5,000
Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000
Annual sub limit

Up to $4,000
Annual sub limit

Up to $4,000
Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500
Annual sub limit

Up to $500
Annual sub limit

Up to $500
Annual sub limit

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

Up to $500

Up to $500

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Up to $300

Up to $300

Multi-pet discount

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

Means the non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $o | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

 injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

 injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

 injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Optional extras

Day to day care

Means the maximum amount that can be claimed for each of the mentioned benefits.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre


Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ Fic test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre


Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ Fic test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre


Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ Fic test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

NIL

NIL

Safety-net – accidents or illness can happen at any time, and our Catastrophe and Economy policies provide cover for your dog when emergency treatment is needed.

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $7,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Benefit percentage back on vet fees (under 8 years of age)

    Up to 100%
    (select breeds under 4 years of age)

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to $1,000
    (Any amounts paid  under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million
    (Any one loss occurrence.)

  • Death from illness

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

    Up to $1,000
    Optional extra benefit

  • Death from injury

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

    Up to $1,000
    Optional extra benefit

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

    Up to $1,000

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing.

    Up to $1,000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

    Up to $1,000
    Optional extra benefit

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

    Up to $1,000

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

    Up to $1,000

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

    Up to $500

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

  • Multi-pet discount

    (3+ eligible pets)

  • Veterinary fees fixed excess options

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

    $150
    $150+20% (8+ years)
    $150+35% (10+ years)

    Select Breeds
    $150+20% (4+ years)
    $150+35% (7+ years)

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks – no limit
    Select breeds
    8 weeks – no limit

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 21 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days

Optional extras

  • Third party liability (optional)

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Included in policy

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $5,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Benefit percentage back on vet fees (under 8 years of age)

    Up to 100%
    (select breeds under 4 years of age)

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Optional extra benefit

  • Death from illness

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

  • Death from injury

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing.

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Up to $1,500

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $500

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $2,500

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Up to $3,000
    365 day waiting period

  • Multi-pet discount

    (3+ eligible pets)

  • Veterinary fees fixed excess options

    $450 or $900

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 30 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

Optional extras

  • Third party liability (optional)

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million
    optional extra benefit
    (Any one loss occurrence.)

Benefits

  • Umbrella for life

    Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

  • Veterinary fees

    Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

    Up to $10,000
    Annual benefit limit
    (As shown in the Certificate of Insurance.)

  • Benefit percentage back on vet fees (under 8 years of age)

    Up to 100%
    (select breeds under 4 years of age)

  • Vet consultations

    The maximum benefit you claim for veterinary costs declared as consultation fees.

    Up to $400

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

  • Third party liability

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Optional extra benefit

  • Death from illness

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

  • Death from injury

    Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

  • Boarding fees

    Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

  • Advertising and reward

    Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing.

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

  • Holiday cancellation

    Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

  • Quarantine expenses and loss of documents

    Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

  • Emergency repatriation

    Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

    The maximum benefit you can claim on these conditions under this policy.

    Up to $3,000

  • Skin conditions

    The maximum benefit you can claim for this condition under this policy.

    Up to $5oo

  • Cancer treatment

    The maximum benefit you can claim for this condition under this policy.

    Up to $5,000

  • Brachycephalic airway obstruction

    Means the maximum benefit you can claim on this condition under this policy.

    Up to $6,000
    365 day waiting period

  • Multi-pet discount

    (3+ eligible pets)

  • Veterinary fees fixed excess options

    $450 or $900

  • Fixed excess

    The non-refundable amount you will be required to pay for claims covered under this policy.

  • Age limits (first time cover)

    When your dog is eligible for cover.

    8 weeks up until 8th birthday
    Select breeds
    8 weeks up until 5th birthday

  • Waiting periods

    Is the initial period during which no benefit is payable for the mentioned conditions.

     injury: no waiting period
    illness: 30 days
    Brachycephalic Obstructive
    airway Syndrome: 365 days
    Cruciate ligament benefit
    6 months

Optional extras

  • Third party liability (optional)

    Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

    Up to $1 million
    optional extra benefit
    (Any one loss occurrence.)

Benefits

Economy

Catastrophe 1

Catastrophe 2

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $7,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Benefit percentage back on vet fees (under 8 years of age)

Up to 100%
(select breeds under 4 years of age)

Up to 100%
(select breeds under 4 years of age)

Up to 100%
(select breeds under 4 years of age)

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Up to $400

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Up to $1,000
(Any amounts paid  under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million
(Any one loss occurrence.)

Optional extra benefit

Optional extra benefit

Death from illness

Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

Up to $1,000
Optional extra benefit

Death from injury

Cover for the price you paid for your dog (or the market value) if your dog dies of an injury or an illness before 8 years of age.

Up to $1,000
Optional extra benefit

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing.

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

Up to $1,000
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Up to $1,500

Up to $3,000

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Up to $5oo

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $2,500

Up to $5,000

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Up to $3,000
365 day waiting period

Up to $6,000
365 day waiting period

Multi-pet discount

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Veterinary fees fixed excess options

$450 or $900

$450 or $900

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks – no limit
Select breeds
8 weeks – no limit

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

 injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

 injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

 injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Optional extras

Third party liability (optional)

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Included in policy

Up to $1 million
optional extra benefit
(Any one loss occurrence.)

Up to $1 million
optional extra benefit
(Any one loss occurrence.)

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please consider the policy wording before making a decision to purchase the product.

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Dog insurance policy information

View the dog insurance combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) for full terms and conditions.
For more information, please see our FAQs.
Target Market Determination (TMD) for Dog Insurance are available to view and download:
Superior plans | Mid-range plans | Safety-net economy plans | Safety-net catastrophe 1 & 2 plans

Superior PDS Mid-range PDS Safety-net economy PDS Safety-net catastrophe 1 & 2 PDS

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We understand how stressful it is when your dog gets sick or injured: that’s why we want to settle your claim as quickly as possible.

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