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Exotic pet insurance

Cover for your reptile, turtle, bird or small mammal, with a range of policy options packed benefits.

Compare cover types to find the best insurance for your exotic animal

We appreciate exotic pets are just as much a member of the family as cats and dogs. We know how vet bills can quickly add up when illness or injury strikes your much-loved reptile, turtle, bird, rabbit or other exotic animals. Petcover with its insurance partners offer exotic pet insurance cover for veterinary fees, including alternative and complementary treatment, advertising and reward in case of a missing pet and much more. 

There are three types of cover to chose from – Premier, Plus and Value.
The comparison table below outlines the key differences to help you choose the option right for you and your exotic pet.

(not available for small mammals)

Benefits

  • Veterinary fees (for the treatment of injury, accident or illness)

    Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.

    Birds: up to $6,000
    Reptiles: up to $6,000
    Turtles: up to $6,000

  • Alternative or complimentary treatment

    Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.

    Up to $500
    (within veterinary fee limit)

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year. Refer to PDS for further information.

    $500

  • Third party liability

    Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your exotic pet during the policy year and you are legally responsible.

    Up to $1 million
    (any one loss occurrence)

  • Multi-pet discount (3+ eligible pets)

    Cover the cost of multiple pets

  • Bird and reptile fixed excess

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

    $175 or $75

  • Small mammal fixed excess

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

  • Referral hospital or specialist vet

    The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.

    Fixed excess + 30% of vet invoice(s)

  • Diagnostic examinations

    Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.

    Fixed excess + 50% of vet invoice(s)

  • Dental (small mammals only)

    The cost of any single treatment, less the applicable Excess in each and every case, of any dental treatment.

  • Waiting periods - illness

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

    21 days

  • Age limits

    The age range you can start cover for your pet.

    Birds: 12 weeks – 25 years
    Reptiles: 8 weeks – 15 years
    Turtles: 12 weeks – 30 years

Optional extras

  • Loss from not returning whilst flying (birds of prey only)

    Provides a claimable benefit for Birds of Prey (fitted with telemetry tracking equipment) which are proven missing whilst flying, during the period of insurance; and are not recovered or do not return.

    50% of purchase price
    or market value

Benefits

  • Veterinary fees (for the treatment of injury, accident or illness)

    Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.

    Birds: up to $4,000
    Reptiles: up to $4,000
    Turtles: up to $4,000
    Small mammals: up to $4,000

  • Alternative or complimentary treatment

    Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.

    Up to $400
    (within veterinary fee limit)

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year. Refer to PDS for further information.

    $500

  • Third party liability

    Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your exotic pet during the policy year and you are legally responsible.

    Up to $1 million
    (any one loss occurrence)

  • Multi-pet discount (3+ eligible pets)

    Cover the cost of multiple pets

  • Bird and reptile fixed excess

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

    $175 or $75

  • Small mammal fixed excess

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

    $225 or $125

  • Referral hospital or specialist vet

    The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.

    Fixed excess + 30% of vet invoice(s)

  • Diagnostic examinations

    Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.

    Fixed excess + 50% of vet invoice(s)

  • Dental (small mammals only)

    The cost of any single treatment, less the applicable Excess in each and every case, of any dental treatment.

    Fixed excess + 50%

  • Waiting periods - illness

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

    21 days

  • Age limits

    The age range you can start cover for your pet.

    Birds: 12 weeks – 25 years
    Reptiles: 8 weeks – 15 years
    Turtles:1 2 weeks – 30 years
    Small mammals: 8 weeks – 5 years

Optional extras

  • Loss from not returning whilst flying (birds of prey only)

    Provides a claimable benefit for Birds of Prey (fitted with telemetry tracking equipment) which are proven missing whilst flying, during the period of insurance; and are not recovered or do not return.

    50% of purchase price
    or market value

Benefits

  • Veterinary fees (for the treatment of injury, accident or illness)

    Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.

    Birds: up to $2,000
    Reptiles: up to $2,000
    Turtles: up to $2,000
    Small mammals: up to $2,000

  • Alternative or complimentary treatment

    Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.

    Up to $300
    (within veterinary fee limit)

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year. Refer to PDS for further information.

    $500

  • Third party liability

    Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your exotic pet during the policy year and you are legally responsible.

    Up to $1 million
    (any one loss occurrence)

  • Multi-pet discount (3+ eligible pets)

    Cover the cost of multiple pets

  • Bird and reptile fixed excess

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

    $175 or $75

  • Small mammal fixed excess

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

    $225 or $125

  • Referral hospital or specialist vet

    The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.

    Fixed excess + 30% of vet invoice(s)

  • Diagnostic examinations

    Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.

    Fixed excess + 50% of vet invoice(s)

  • Dental (small mammals only)

    The cost of any single treatment, less the applicable Excess in each and every case, of any dental treatment.

    Fixed excess + 50%

  • Waiting periods - illness

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

    21 days

  • Age limits

    The age range you can start cover for your pet.

    Birds: 12 weeks – 25 years
    Reptiles: 8 weeks – 15 years
    Turtles: 12 weeks – 30 years
    Small mammals: 8 weeks – 5 years

Optional extras

  • Loss from not returning whilst flying (birds of prey only)

    Provides a claimable benefit for Birds of Prey (fitted with telemetry tracking equipment) which are proven missing whilst flying, during the period of insurance; and are not recovered or do not return.

    %50 of purchase price
    or market value

Benefits

Premier

(not available for small mammals)

Plus

Value

Veterinary fees (for the treatment of injury, accident or illness)

Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.

Birds: up to $6,000
Reptiles: up to $6,000
Turtles: up to $6,000

Birds: up to $4,000
Reptiles: up to $4,000
Turtles: up to $4,000
Small mammals: up to $4,000

Birds: up to $2,000
Reptiles: up to $2,000
Turtles: up to $2,000
Small mammals: up to $2,000

Alternative or complimentary treatment

Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.

Up to $500
(within veterinary fee limit)

Up to $400
(within veterinary fee limit)

Up to $300
(within veterinary fee limit)

Advertising and reward

Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year. Refer to PDS for further information.

$500

$500

$500

Third party liability

Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your exotic pet during the policy year and you are legally responsible.

Up to $1 million
(any one loss occurrence)

Up to $1 million
(any one loss occurrence)

Up to $1 million
(any one loss occurrence)

Multi-pet discount (3+ eligible pets)

Cover the cost of multiple pets

Bird and reptile fixed excess

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

$175 or $75

$175 or $75

$175 or $75

Small mammal fixed excess

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

$225 or $125

$225 or $125

Referral hospital or specialist vet

The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.

Fixed excess + 30% of vet invoice(s)

Fixed excess + 30% of vet invoice(s)

Fixed excess + 30% of vet invoice(s)

Diagnostic examinations

Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.

Fixed excess + 50% of vet invoice(s)

Fixed excess + 50% of vet invoice(s)

Fixed excess + 50% of vet invoice(s)

Dental (small mammals only)

The cost of any single treatment, less the applicable Excess in each and every case, of any dental treatment.

Fixed excess + 50%

Fixed excess + 50%

Waiting periods - illness

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

21 days

21 days

21 days

Age limits

The age range you can start cover for your pet.

Birds: 12 weeks – 25 years
Reptiles: 8 weeks – 15 years
Turtles: 12 weeks – 30 years

Birds: 12 weeks – 25 years
Reptiles: 8 weeks – 15 years
Turtles:1 2 weeks – 30 years
Small mammals: 8 weeks – 5 years

Birds: 12 weeks – 25 years
Reptiles: 8 weeks – 15 years
Turtles: 12 weeks – 30 years
Small mammals: 8 weeks – 5 years

Optional extras

Loss from not returning whilst flying (birds of prey only)

Provides a claimable benefit for Birds of Prey (fitted with telemetry tracking equipment) which are proven missing whilst flying, during the period of insurance; and are not recovered or do not return.

50% of purchase price
or market value

50% of purchase price
or market value

%50 of purchase price
or market value

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.

Types of exotic pets insured include

image of a black brown and white guinea pig sitting between its owners hands while they use their laptop

Get an exotic insurance quote today

Flexible cover options for your exotic pet –  there’s a wide range of cover to choose from for everyone. Get a quote today and see if you can save.

Read our policy documents

View the exotic 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 Exotic Insurance effective from 20 August 2024 are available to view and download: click here

 

Target Market Determination (TMD) for Exotic Insurance effective from 30 June 2023 to 19 August 2024 are available to view and download: click here