What petcover pet insurance actually covers

Petcover covers the treatment costs for veterinary fees attributed to accidents, injuries or illnesses which may happen to your pet, provided the condition did not occur prior to cover. After the cover has commenced, cover for injuries and accidents starts immediately on sign up (providing the injury did not occur prior to cover commencement); illness cover begins after the 21 day waiting period.

Petcover offer the choice of 2 covers – Lifetime policies or a 12 month Economy policy. Dependant on which cover you choose, Petcover covers you and your pet for a wide range of injury and illnesses. Below we will go through a couple of scenario’s/potential claims so that you are able to realise what Petcover pet insurance can cover.

If my pet was to suffer an ongoing or lifelong condition such as diabetes or epilepsy – would it be covered for the life of the pet, or would I only be able to claim for the condition during the first year of cover?

Petcover has Lifetime insurance for the life of your pet, provided the cover is renewed each year without a break. The number of times you can claim for the same illness is unlimited; enabling you to give your animal the very best in veterinary care regardless of how much it costs. However, the amount for which you can claim in any one year is capped on an annual basis to the maximum benefit amount stated in your policy and a fixed excess will apply to any claims made. On Petcover Lifetime pet insurance, the excess is payable per unrelated condition (illness), per policy year. Remember, with a genuine Lifetime plan, you get what you pay for – a comprehensive pet insurance policy that will cover your pet’s conditions for life.

If I’m going on holiday will my dog be covered if I take them interstate with me?

Yes, Petcover will cover your pet anywhere within Australia and for up to 90 days for all journeys in the period of insurance. This includes the duration of your holidays or business trip and any travel, in between Australia and an agreed country and return journey home.

If my pet needs physiotherapy, will that be covered?

Yes, Petcover will cover physiotherapy when referred and endorsed by your vet and it is deemed necessary to treat an injury and/or illness. Other alternative treatments and therapies covered are Acupuncture, Homeopathy, Herbal Medicine, Chiropractic Manipulation, Osteopathy and Hydrotherapy for up to 10 sessions in total per period of insurance, up to the annual maximum benefit of your selected plan if they are to treat an injury or illness.

Will you cover the costs of cancer treatment?

Providing that the cancer is not a pre-existing condition, or an exclusion on your policy, we will cover the costs of the treatment of cancer such as chemotherapy. We do not cover the costs of transplant surgery or stem cell treatments.

Does Petcover cover congenital and hereditary conditions?

Yes, Petcover will cover the costs of hereditary and congenital disorders, providing the pet was not shown clinical signs of the condition prior to cover commencing or within the 21 days waiting period and it is not excluded in your policy documentation or certificate of insurance.

Am I covered if my dog bites someone or causes an accident? Is Third Party Liability included?

Petcover dog policies cover Third Party Liability damage up to $1million, $2million or $5million depending on your selected plan. Third Party Liability covers any injury or damage caused by an insured dog, that the owner may be liable for.