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Small mammal insurance

We cover guinea pigs, rats, ferrets, and more for up to $4,000 in vet fees and additional optional extras to suit.

Compare our cover types to find the best insurance for your small mammal

Petcover offers Australia’s only exotic pet insurance cover for veterinary fees, including alternative and complementary treatment, death from injury or illness, advertising and reward in case of a missing pet and much more. 

Petcover offers three types of cover – Premier, Plus and Value.
O
ur 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.

Types of exotic pets we insure 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 – our wide range of exotic pet insurance is 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 policy wording for full terms and conditions. For more information, please see our FAQs.

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.