Accident only
Accident and illness
Accident Plus
Peace of Mind
Ultimate Care
Plan coverage
Covers your pet for Specified Accidental Injuries
Covers your pet for Specified Accidental Injuries and Illness
Covers your pet for Specified Accidental Injuries and Illness (incl. dental illness benefit)
Annual benefit limit
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$10,000
$15,000
$20,000
Benefit percentage
(% of vet bill covered)
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80%
Choice of 60%, 70%, or 80%
80%
Excess
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$0 excess
$0 excess
$0 excess
Routine Care cover
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Optional
Optional
Optional
Dental illness
(annual limit $1,000)
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$1,000
Alternative therapy
(annual limit $1,000)
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Option to add $1,000 limit
Eligibility?
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Pets 8 weeks and older
Pets 8 weeks to 9 years
Pets 8 weeks to 9 years
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Accident only
Accident and illness
Accident Plus
Peace of Mind
Ultimate Care
Consultation fees1
(annual sub-limit)
$300
$300
$300
After-hours emergencies1
Specialist care1
Laboratory & diagnostic tests1
Hospitalisation1
Radiology 1
Medicines & drugs1
Surgery1
Hip Joint Surgery
(annual sub-limit per hip)
$7,600
(stated accidents only)
$7,600
$7,600
Total hip replacement
(Covered under the Hip Joint Surgery sub-limit)
(stated accidents only)
Cruciate ligament conditions
$2,6002
$2,6002
$3,200
Tick paralysis cover
(annual sub-limit)
$1,200
$2,000
$3,000
Emergency boarding3
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$500
$500
$1,000
Overseas pet travel4
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Accident only
Accident and illness
Accident Plus
Peace of Mind
Ultimate Care
Motor vehicle incidents
Heat stroke
Burns
Poisoning
Electrocution
Allergic reactions to a specified list of insect and arachnid bites
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Bone fractures
Snake bite toxicity
Embedded grass seed
Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
Bite wound or fight wound abscesses
Soft tissue injury
Ingestion of foreign object
Traumatic spinal disc rupture
Accident only
Accident and illness
Accident Plus
Peace of Mind
Ultimate Care
Cancer
Diabetes
Heart disease
Renal disease
Hyperthyroidism
Gastrointestinal problems (medical)
Hypoadrenocorticism (Cushing's disease)
Hypoadrenocorticism (Addison's disease)
Urolithiasis (Urinary stones)
Other illnesses
Accident only
Accident and illness
Accident Plus
Peace of Mind
Ultimate Care
Cancer
Eye Trauma
Other eye conditions (such as cataracts and cherry eye)
Urolithiasis (urinary stones)
Brachycephalic airway syndrome
Elbow dysplasia
Hip dysplasia
Patella luxation
Anal sac removal
Gastric Dilatation-Volvulus (GDV) (Otherwise known as canine bloat)
Waiting period
Nil for specified accidental injuries, nil for Routine Care, 30 days for specified illness items, 6 months for cruciate ligament conditions.#
Nil for specified accidental injuries, nil for Routine Care, 30 days for illness, 6 months for cruciate ligament conditions.#
Nil for specified accidental injuries, nil for Routine Care, 30 days for illness and alternative therapy, 6 months for dental illness, 6 months for cruciate ligament conditions.#
Pre-existing condition review
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Product Features Table Footnotes

1. In relation to conditions covered by your policy.

2.The Cruciate ligament sublimit in WA/ACT/NT is $3,200. You may be eligible for a higher limit under the Accident Plus and Peace of Mind Plans and if so this will be printed on your Certificate of Insurance.

3. Terms and conditions apply. Refer to the applicable Product Disclosure Statement for further details.

4. Your Pet is only covered for Vet Expenses and Treatment whilst overseas with you in New Zealand or Norfolk Island, subject to your Benefit Percentage and Benefit Limits. Exclusions apply - refer to the Product Disclosure Statement.

5. You may apply for a review of a condition that existed or occurred prior to the commencement date of the first policy period or within an applicable waiting period, if it has been excluded from cover as a pre-existing condition. Whether that is the case will depend on the nature and experience of the condition, and some conditions are eligible for review after an 18-month period – refer to your Policy Booklet for more information, terms and conditions.

# The Cruciate Ligament waiting period may be waived if a Cruciate Ligament Exam Form is completed and signed by your vet on or after the policy commencement date and received within 14 days of the examination date.

10% discount for multiple pets

Free engraved pet ID tag on sign up3

Customer Satisfaction

21 day cooling off
Life-long cover4
Streamlined claims

How do you compare pet insurance plans?

 

Our pet insurance plans offer flexible policies at competitive prices, ensuring you can get the right cover for your dog or cat at the right price.

What separates us from the rest is our added cover options and our superior service. This has been put in place through our “streamlined claims” system. We have put in place resources to call your vet and collect any invoices, vet notes or documents that are needed to assess your claim on your behalf (historically the responsibility of the policy holder). This is often a major cause for delay. This service helps cut down a huge amount of time, so you do not need to worry about whether your claim is being assessed or if we have all the information needed.

The following explanation of our different policy types will help you to compare pet insurance options.

 

Accident Cover (Accident Plus Plan)

  • As the name suggests, this covers up to 80% of eligible vet fees on all Accident related conditions (as defined in our Product Disclosure Statement). Examples include expenses related to treating injuries from car accidents, snake bites, bite wounds, burns, and even allergic reactions to insect bites (excluding fleas).
  • We also cover gastric dilatation-volvulus (GDV), Trauma induced respiratory impairment, bone fractures, torn nails, poisoning, embedded grass seed, traumatic spinal disc rupture, eye trauma, intervertebral disc disease (IVDD) and cruciate ligament condition. Please check waiting periods for different conditions, as disclosed in the Product Disclosure Statement.
  • Hip Joint Surgery is also included in this policy up to a limit of $7,600 for stated Accident Only. We are proud to advise that there are not many policies in the Australian market that includes this cover.
  • Since there is no illness cover with this plan, it is considered a basic policy and this is reflected in the premiums.
  • There is an 80% benefit percentage and no excess applicable.
  • The Accident plan comes with an annual benefit limit of $10,000.

 

Accident + Illness cover (Peace of Mind Plan & Ultimate Care Plan)

  • As well as including all features of the Accident Only cover outlined above, this policy will also assist with up to 80% of eligible vet bills when your pet requires treatment for one of many illnesses.
  • Illnesses covered includes but is not limited to, gastroenteritis, cancer treatment, skin conditions, and hereditary health problems.Pre-existing Conditions are excluded.
  • As with all policies compared in the market, cover for pre-existing conditions is excluded.
  • Accident and Illness cover is provided within two of our plan types – our Peace of Mind Plan and the Ultimate Care Plan.
  • The Ultimate Care Plan covers everything the Peace of Mind plan covers except it also includes dental illness cover with a sub limit of $1,000 per annum. In addition, it offers optional alternative therapy up to $1,000.
  • The Ultimate Care Plan not only has a higher annual benefit limit of $20,000 (compared to $15,000 for the Peace of Mind Plan), it also has a higher sub limit for cruciate ligaments ($3,200 vs. $2,600) and a tick paralysis sub limit of $3,000 compared to $2,000 for the Peace of Mind Plan.
  • Both policies cover chronic, reoccurring and ongoing illnesses (excluding Pre-existing Conditions) for life, provided you renew your policy each year without any break, lapse or change in the level of Cover. See details in our product disclosure statement.
  • Optional Routine Care Cover is available with our Accident and Illness policies. This includes limited benefits for items like vaccinations and regular vet check-ups.

 

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