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.
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 (within veterinary fee limit)
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 (within veterinary fee limit)
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 (within veterinary fee limit)
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 (within veterinary fee limit)
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/ FIV 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/ FIV 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/ FIV 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/ FIV 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/ FIV 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/ FIV 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
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/ FIV 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/ FIV 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/ FIV 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.)
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.
image of a black dog resting its head on a womens lap
Get a dog insurance quote today
From your Poodle to your Pomeranian – our wide range of dog insurance is for everyone. Get a quote and see if you can save.
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. If you would like to view previous policy wording documents, please call us on 1300 731 324.
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
Making a claim
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.