Petcover Pet Insurance

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Petcover is a specialist provider of pet insurance.

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The table below displays a snapshot of pet insurance policies with accident and illness cover on Canstar’s database with links to Petcover’s website, sorted by Star Rating (highest to lowest). These results are based on cover for a one-year-old medium dog breed.

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What types of pet insurance does Petcover offer?

Petcover offers four levels of cover for pet insurance:

  • Economy – Up to $7,000 veterinary fee cover
  • Entry – Up to $10,000 for dogs and $9,000 for cats veterinary fee cover
  • Mid-point – Up to $15,000 for dogs and $10,000 for cats veterinary fee cover
  • Superior – Up to $20,000 for dogs and $15,000 for cats veterinary fee cover

If you’re unsure as to which kind of pet insurance is most appropriate for you, or would like to better understand the different levels of cover, check out our guide to the different kinds of pet insurance.

What breed of pets does Petcover pet insurance cover?

Petcover has insurance policies for domestic cats and dogs, as well as horses. Their Equine Policy includes mortality, theft and straying, with optional extras such as vet fee cover and permanent loss of use. For more information about horse insurance, click here.

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What is not covered by Petcover pet insurance?

Petcover expressly lists some illnesses and injuries as exclusions that are not covered by its pet insurance.

  • Pre-existing conditions – If your furry friend has suffered or undergone treatment for a particular condition, and you decide to switch pet insurance providers, it may not be covered under your new policy. Always declare pre-existing conditions when first making an application.
  • Day-to-day care – Petcover won’t cover the regular day-to-day expenses of owning a pet, which can include: regular or dietary pet food, vaccinations, micro chipping, flea/worm control, shampoo, collars/leads and dog beds etc.
  • Breeding – If you have bought dogs or cats with the specific purpose of breeding them, Petcover won’t cover any injuries or conditions that arise as a result.
  • Dental care – This can include dental procedures, gingivitis and treatment of diseases or fractures, teeth cleaning or teeth removal.
  • Failure to take care – Petcover won’t cover any treatment of conditions caused either deliberately or negligently, by you towards your pet. A few examples of this include leaving the gate open, forgetting to feed your pet, the ingestion of hazardous substances and an unsafe living area.

It’s important to read the Product Disclosure Statement (PDS) to find any exclusions listed in a policy and to also consider what illnesses your pet may need coverage for. For more information about what’s not covered by some pet insurance policies, check out our list of 13 common pet insurance exclusions.

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Petcover FAQs

Petcover does have an age limit for its comprehensive lifetime cover, which specifies that dogs and cats must be between eight weeks and eight years old when insured. You can find more details about this in the Product Disclosure Statement.

It’s important to check with your chosen provider to see if they have an age limit on their policies – older pets tend to be more expensive to cover as they are much more likely to suffer from illness or injury than younger pets.

Alternatively, you can look for a policy that offers lifetime renewal, which means your provider won’t cancel your policy due to an ageing pet, as long as you continue to meet your requirements as a customer.

Every pet insurance provider is different, and while many don’t require medical records, you may be asked a few questions upon application. These are usually to determine any pre-existing conditions your pet may have, and whether they will be covered under your policy.

Yes, Petcover allows you to use any veterinarian that you prefer, provided they are licensed to legally practise in Australia. However, it will also cover certain physiotherapy treatments of a behavioural illness if they are carried at one of its recognised associations.

Yes, it does. The level of cover you decide to take out will depend on the annual benefit limit. Petcover’s Economy policy has an annual benefit limit of up to $7000. In comparison, its Superior policy has an annual benefit limit of $20,000 for dogs and $15,000 for cats.

The annual benefit limit and claim terms and conditions are outlined in the Product Disclosure Statement. Find out more about pet insurance benefit limits and how much you can claim here.

You can purchase a Petcover pet insurance policy either online, or over the phone by calling Petcover on 1300 731 324. It takes less than 10 minutes to receive a quote online.

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You can lodge a claim with Petcover by completing and submitting a pet insurance claim form, which can be found online. You must submit the claim within 90 days of the appointment or when the treatment was received and make sure you bring the claim form to the appointment with you as the vet has to fill out a section and sign it.

Your Petcover pet insurance policy will automatically renew if you choose not to alter or cancel it after receiving your renewal notice. If you’re not sure whether to renew or switch, here’s our guide to renewing your pet insurance policy.

Make sure you compare pet insurance policies before simply renewing the same policy, so that you continue to get outstanding value insurance at the right price:

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Petcover is only a very new company, and its sole focus is to provide Australian pets with cover that works. It claims to keep the nation’s pets healthy and the owners happy, while understanding how important our furry friends are to us.

Some of the benefits of being a Petcover member include:

  • Policies to suit need and budget
  • Policies designed to suit your pet
  • Lifetime cover on certain policies
  • Short waiting periods
  • Customer service seven days a week
  • Strong vet relationships

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Written by: Regina Collins | Last updated: