Announcing our first Exotic Pet Brand Ambassador - Ben Dessen.
The Petcover Partnership team is thrilled to officially announce our first Exotic Pet Brand Ambassador - Ben Dessen.
Read moreSmall mammal insurance
Cover is offered for guinea pigs, rats, ferrets, and more for up to $4,000 in vet fees and additional optional extras to suit.
Compare cover types to find the best insurance for your small mammal
Petcover along with its insurance partners offer one of Australia’s only 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.
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.
-
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.
-
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.
-
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.
-
Multi-pet discount (3+ eligible pets)
Cover the cost of multiple pets
-
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.
-
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.
-
Dental (small mammals only)
Cover for the cost of dental
-
Waiting periods - injury, accident or illness
Is the initial period during which no benefit is payable for the mentioned conditions.
-
Age limits
The age range you can start cover for your pet.
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.
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.
$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
-
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)
Cover for the cost of dental
Fixed excess +50%
-
Waiting periods - injury, accident or 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.
Small mammals: 8 weeks – 5 years
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.
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.
$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
-
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)
Cover for the cost of dental
Fixed excess + 50%
-
Waiting periods - injury, accident or 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.
Small mammals: 8 weeks – 5 years
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.
Up to $4,000
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 $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.
$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)
Multi-pet discount (3+ eligible pets)
Cover the cost of multiple pets
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)
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)
Dental (small mammals only)
Cover for the cost of dental
Fixed excess +50%
Fixed excess + 50%
Waiting periods - injury, accident or illness
Is the initial period during which no benefit is payable for the mentioned conditions.
21 days
21 days
Age limits
The age range you can start cover for your pet.
Small mammals: 8 weeks – 5 years
Small mammals: 8 weeks – 5 years
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 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 – the wide range of exotic pet cover to choose from means there is an option for everyone. Get a quote today and see if you can save.
Exotic insurance policy information
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 30 June 2023 are available to view and download:
Exotic: Premier, Plus & Value (Effective from 30 June 2023)
Target Market Determination (TMD) for Exotic Insurance effective from 1st January 2023 to 29 June 2023 are available to view and download:
Exotic: Premier, Plus & Value (Effective 1 January 2023 to 29 June 2023)
Making a claim
We understand how stressful it is when your pet gets sick or injured, that’s why we want to settle your claim as quickly as possible.