Ultimate Care plan

What’s covered

The Ultimate Care plan provides our highest level specified accidental injury and illness pet insurance cover, including a dental illness benefit. It has an annual benefit limit of up to $20,000. You can receive up to 80% back for eligible vet expenses (subject to benefit limits and exclusions).

You can take out the Ultimate Care plan if your pet is between the ages of 8 weeks and 9 years of age when you first apply, and once insured, your pet will be covered for life.⁴

The following conditions are covered from initial policy commencement (no waiting period):

• Motor vehicle incidents
• Burns or electrocution
• A reaction to a bite from an insect, spider or scorpion
• Bone fractures
• A traumatic tooth fracture
• Snake bite toxicity
• Traumatic ligament or tendon injury
• A bite wound or fight wound abscesses
• Lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• A cruciate ligament condition

Covered after 30 day waiting period:

Examples of illnesses we generally cover:

Covered after 6 month waiting period: 

• Cruciate ligament conditions
  (Note that the 6 month waiting period for cruciate ligament conditions can be waived on application. To do this, we need to receive a completed and signed Cruciate Ligament Exam Form from your vet within 14 calendar days of the cruciate examination date certifying that your pet has been examined, at your expense, on or after the policy commencement date. We will notify you of the outcome in writing. Refer to the Product Disclosure Statement for further terms and conditions.)

• Dental illness treatment, including cover for:
  • Gingivitis
  • Abscesses
  • Removal of teeth where medically necessary due to:
  • Dental disease arising from infection:
    • Retained deciduous teeth
    • Cavities
    • Tooth fracture

(Note that we will only cover dental illness treatment if your pet has been insured under this policy for at least six (6) months and in this period your pet has not shown signs of or been treated for any dental illness and there is a history of annual routine dental check-ups by a vet. Full details in your Product Disclosure Statement).

Additional benefits and limits:

• Consultation fees  –  $300 annual sub-limit
• Emergency Boarding  –  $1,000 annual sub-limit¹⁰
• Hip Joint Surgery  –  $7,600 per hip annual sub-limit
• Cruciate ligament conditions – $2,600 annual sub-limit (you may be eligible for a higher limit, and if so this will be printed on your Certificate of Insurance)
• Specified dental conditions – $1,000 annual sub-limit

Optional cover: Alternative & complementary medicine

Under the Ultimate Care plan, you have the option to add on alternative therapy cover, with a benefit of up to a total of $1,000 of per policy period.

If you select to add on this cover, we will pay the benefit percentage (up to the benefit limit) for expenses related to Alternative and Complementary medicine when referred and endorsed by your Vet.

This includes advice, tests, and legally prescribed medicine for the items outlined below:

• Physiotherapy or physical therapy  –  $400 sub-limit
• Chiropractic Manipulation  –  $400 sub-limit
• Acupuncture  –  $400 sub-limit
• Hydrotherapy  –  $400 sub-limit

For more details, please refer to your Product Disclosure Statement.