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Puppy insurance New Zealand

- Up to $20,000 cover for eligible vet bills
- Flexible policies, including ‘Umbrella for life’
- Up to 100% of eligible vet bills covered
- Manage your policy and claims online
- Choose any registered vet in New Zealand

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New Zealand’s award-winning puppy insurance provider

Bringing a new puppy into your home is an exciting adventure. Puppies are full of energy and curiosity, but they can also get into trouble or face unexpected health issues. With Petcover’s puppy insurance, you can rest easy knowing that your little one is protected.

Our insurance plans cover a range of accidents, injuries, and illnesses, ensuring your puppy gets the best care when they need it most. Enjoy peace of mind with comprehensive cover designed specifically for your new furry family member.

A cute red and white mixed breed puppy lying on a couch and listening with a head tilt

Why choose Petcover puppy insurance?

Join over 250,000 pet owners who have trusted us with their pet’s health and wellbeing.

Our award-winning policies and service mean your puppy receives top-quality care from day one and throughout their life.

Get a dog insurance quote

Compare our dog insurance plans

Superior plan Mid-range plan Safety-net plan

Superior – the most comprehensive insurance cover, with the lowest excess, giving you confidence that your dog will be looked after if illness or injury strikes.

Superior

B

Umbrella for life

Umbrella for life cover means you can continue to claim for eligible treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $20,000
(As shown in the Certificate of Insurance.)

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $4,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of illness before 8 years of age, or if your pet is a Select Breed, before 5 years of age.

Up to $2,000

Death from injury

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of injury.

Up to $2,000

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $5 million
(Any one loss occurrence)

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

Up to $2,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing. Refer to PDS for further information.

Up to $2,000

Loss by theft or straying

Cover the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return, if eligibility criteria are met.

Up to $2,000

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

Up to $2,000

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Mid-point

B

Umbrella for life

Umbrella for life cover means you can continue to claim for eligible treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $15,000
(As shown in the Certificate of Insurance.)

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of illness before 8 years of age, or if your pet is a Select Breed, before 5 years of age.

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of injury.

Up to $1,500
Optional extra benefit

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $3 million
(Any one loss occurrence)

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing. Refer to PDS for further information.

Up to $1,000

Loss by theft or straying

Cover the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return, if eligibility criteria are met.

Up to $1,500
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Entry

B

Umbrella for life

Umbrella for life cover means you can continue to claim for eligible treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $10,000
(As shown in the Certificate of Insurance.)

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of illness before 8 years of age, or if your pet is a Select Breed, before 5 years of age.

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of injury.

Up to $1,500
Optional extra benefit

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $3 million
(any one loss occurrence)

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing. Refer to PDS for further information.

Up to $1,000

Loss by theft or straying

Cover the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return, if eligibility criteria are met.

Up to $1,500
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Benefits

Superior

Mid-point

Entry

Umbrella for life

Umbrella for life cover means you can continue to claim for eligible treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $20,000
(As shown in the Certificate of Insurance.)

Up to $15,000
(As shown in the Certificate of Insurance.)

Up to $10,000
(As shown in the Certificate of Insurance.)

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $4,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to $2,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Death from illness

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of illness before 8 years of age, or if your pet is a Select Breed, before 5 years of age.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Death from injury

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog dies of injury.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $5 million
(Any one loss occurrence)

Up to $3 million
(Any one loss occurrence)

Up to $3 million
(any one loss occurrence)

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital.

Up to $2,000

Up to $1,000

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered, if your dog is stolen or goes missing. Refer to PDS for further information.

Up to $2,000

Up to $1,000

Up to $1,000

Loss by theft or straying

Cover the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return, if eligibility criteria are met.

Up to $2,000

Up to $1,500
Optional extra benefit

Up to $1,500
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help.

Up to $2,000

Up to $1,000

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Up to $1,000

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Up to $500

Up to $500

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Mid-range – the most flexible plan, offering a choice of co-payment and excess levels and packed with a range of optional extras to suit your dog’s needs.

Key

B

Umbrella for life

Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $15,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million
(Any one loss occurrence.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $3,000

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000
Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000
Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500
Annual sub limit

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

Day to day care

Means the maximum amount that can be claimed for each of the mentioned benefits.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

Means the non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $o | Option 2: $100 | Option 3: $200

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

Vital

B

Umbrella for life

Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million
(Any one loss occurrence.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $2,500

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000
Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000
Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500
Annual sub limit

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

Day to day care

Means the maximum amount that can be claimed for each of the mentioned benefits.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

Means the non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $0 | Option 2: $100 | Option 3: $200

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Core

B

Umbrella for life

Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million
(Any one loss occurrence.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $1,500

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000
Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000
Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500
Annual sub limit

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

Day to day care

Means the maximum amount that can be claimed for each of the mentioned benefits.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

Means the non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $0 | Option 2: $100 | Option 3: $200

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Benefits

Key

Vital

Core

Umbrella for life

Umbrella for life cover means you can continue to claim for on-going treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $15,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million
(Any one loss occurrence.)

Up to $1 million
(Any one loss occurrence.)

Up to $1 million
(Any one loss occurrence.)

Cruciate ligament benefit

The maximum benefit you can claim for on this condition under this policy.

Up to $3,000

Up to $2,500

Up to $1,500

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Up to $400

Up to $400

Paralysis tick

Means the maximum benefit you can claim for on this condition under this policy.

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

1st claim up to $2,000 | Subsequent claims up to $1,000

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000
Annual sub limit

Up to $5,000
Annual sub limit

Up to $5,000
Annual sub limit

Hip dysplasia

The maximum benefit you can claim for this condition under this policy.

Up to $4,000
Annual sub limit

Up to $4,000
Annual sub limit

Up to $4,000
Annual sub limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500
Annual sub limit

Up to $500
Annual sub limit

Up to $500
Annual sub limit

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an impatient in hospital.

Up to $500

Up to $500

Up to $500

Saying goodbye to your pet

The maximum you can claim for should a vet recommend your dog is put to sleep, and subsequent cremation and/or burial costs.

Up to $300

Up to $300

Up to $300

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Day to day care

Means the maximum amount that can be claimed for each of the mentioned benefits.

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

$50 Annual benefit for only one (1) of the following:

De-sexing
Microchipping
Heartworm
Behavioural therapy
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30
Heartworm test or blood screen – $10
FeLv/ FIV test or urinalysis – $10
Flea/worm control – $45

Eligibility

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

By selecting the optional day to day care benefit and paying an additional premium.

Excess applicable (optional day to day care benefit)

NIL

NIL

NIL

Co-payment options

Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Option 1: 10% | Option 2: 20% | Option 3: 30%

Excess options

Means the non-refundable amount you will be required to pay for claims covered under this policy.

Option 1: $o | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Option 1: $0 | Option 2: $100 | Option 3: $200

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit:
6 months

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

injury: no waiting period
illness: 28 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Safety net: Accidents or illnesses can happen at any time. Catastrophe and Economy policies provide cover for your dog when emergency treatment is needed.

Economy

B

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

12 months cover from first clinical signs

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $7,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million

(Any one loss occurrence)

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Within the veterinary fee limit

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $1,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Up to $1,000
Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Up to $1,000
Optional extra benefit

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital. Refer to PDS for policy limits.

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing. Refer to PDS for policy limit.

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDS for policy limit.

Up to $1,000
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Within the veterinary fee limit

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Within the veterinary fee limit

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks – no limit
Select breeds
8 weeks – no limit

Catastrophe 1

B

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million (Any one loss occurrence)

Optional extra benefit

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital. Refer to PDS for policy limits.

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing. Refer to PDS for policy limit.

Loss by theft or straying

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDS for policy limit.

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Up to $1,500

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $500

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $2,500

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Up to $3,000
365 day waiting period

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$450 or $900

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Catastrophe 2

B

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million (Any one loss occurrence)

Optional extra benefit

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Up to $400

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital. Refer to PDS for policy limits.

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing. Refer to PDS for policy limit.

Loss by theft or straying

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDS for policy limit.

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Up to $3,000

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Up to $5oo

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Up to $5,000

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Up to $6,000
365 day waiting period

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$450 or $900

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Benefits

Economy

Catastrophe 1

Catastrophe 2

Umbrella for life

Umbrella for life cover means you can continue to claim for ongoing treatment of illness or injuries throughout your dog’s lifetime, provided there is no break in cover.

12 months cover from first clinical signs

Veterinary fees

Covers the cost of eligible veterinary treatment your dog receives during the insurance period to treat injury, accident or illness.

Up to $7,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $5,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Up to $10,000
Annual benefit limit
(As shown in the Certificate of Insurance.)

Third party liability

Cover for any damage or injury you are legally responsible for and compensation as a result of your dog.

Up to $1 million

(Any one loss occurrence)

Up to $1 million (Any one loss occurrence)

Optional extra benefit

Up to $1 million (Any one loss occurrence)

Optional extra benefit

Waiting periods

Is the initial period during which no benefit is payable for the mentioned conditions.

injury: no waiting period
illness: 21 days
Brachycephalic Obstructive
airway Syndrome: 365 days

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

injury: no waiting period
illness: 30 days
Brachycephalic Obstructive
airway Syndrome: 365 days
Cruciate ligament benefit
6 months

Vet consultations

The maximum benefit you claim for veterinary costs declared as consultation fees.

Within the veterinary fee limit

Up to $400

Up to $400

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommended. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy. Please refer to PDS for further information.

Up to $1,000
(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above).

Death from illness

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of illness before 8 years of age.

Up to $1,000
Optional extra benefit

Death from injury

Cover for the price you paid for your cat (or the market value, whichever is lesser) if your cat dies of injury.

Up to $1,000
Optional extra benefit

Boarding fees

Cover for the cost of boarding your dog at a licensed kennel, or towards the cost of someone looking after your dog while you are an inpatient in hospital. Refer to PDS for policy limits.

Up to $1,000

Advertising and reward

Cover to assist with the cost of advertising and the reward offered if your dog is stolen or goes missing. Refer to PDS for policy limit.

Up to $1,000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value, whichever is lesser) if your dog is stolen or goes missing and does not return. Refer to PDS for policy limit.

Up to $1,000
Optional extra benefit

Holiday cancellation

Cover for the value of any unused travel and accommodation expenses that you have paid for due to your dog requiring lifesaving medical help

Up to $1,000

Quarantine expenses and loss of documents

Cover for costs associated with your dog being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements.

Up to $1,000

Emergency repatriation

Cover for the costs to get your dog home if your dog is too unwell to travel home the same way it travelled to your holiday destination.

Up to $500

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)

The maximum benefit you can claim on these conditions under this policy.

Within the veterinary fee limit

Up to $1,500

Up to $3,000

Skin conditions

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Up to $500

Up to $5oo

Cancer treatment

The maximum benefit you can claim for this condition under this policy.

Within the veterinary fee limit

Up to $2,500

Up to $5,000

Brachycephalic airway obstruction

Means the maximum benefit you can claim on this condition under this policy.

Within the veterinary fee limit

Up to $3,000
365 day waiting period

Up to $6,000
365 day waiting period

Multi-pet discount

Cover the cost of multiple pets.

(3+ eligible pets)

(3+ eligible pets)

(3+ eligible pets)

Fixed excess

The non-refundable amount you will be required to pay for claims covered under this policy.

$150
$150+20% (8+ years)
$150+35% (10+ years)

Select Breeds
$150+20% (4+ years)
$150+35% (7+ years)

$450 or $900

$450 or $900

Age limits (first time cover)

When your dog is eligible for cover.

8 weeks – no limit
Select breeds
8 weeks – no limit

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

8 weeks up until 8th birthday
Select breeds
8 weeks up until 5th birthday

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please read the policy wording before buying a policy.

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Up to 100% vet bills covered

Up to 100% vet bills covered

Claim up to 100% of your eligible vet bills, based on your level of cover.
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Award-winning customer service

Award-winning customer service

With over 40 years’ experience, we’ve won several Feefo Trusted Service awards.
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Easy claims progress

We’re proud to pay 9 out of 10 claims within just 5 working days.
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Puppy insurance FAQs

Is pet insurance worth it for a puppy?

Insuring your puppy early helps protect them from future health issues and reduces the stress of unexpected vet bills. It covers a range of treatments and encourages regular vet visits, providing peace of mind when surprises arise.

Even though it’s an added expense, the benefits outweigh the cost, making it a worthwhile investment for keeping your puppy healthy and happy. Here’s what pet insurance for puppies can cover:

Illness: Insurance helps cover vet visits, treatments, and medications, easing the financial strain.

Injury: Accidents can be part of a puppy’s adventurous life. Insurance can cover emergency treatments, allowing you to concentrate on your puppy’s recovery.

Long-term medical conditions: Puppies can develop conditions and allergies, which may require ongoing care. Insurance can help manage these costs, keeping your puppy comfortable and healthy.

How much is puppy insurance?

Puppy insurance prices can vary significantly depending on several factors, including your puppy’s breed, age, health, and level of cover you choose.

For those looking for a financial safety-net, basic plans generally start around $45 per month.^† These plans typically cover the essentials such as accident and illness treatments, helping to manage unexpected veterinary costs.

If you’re seeking extra cover, including protection for chronic conditions and long-term care, comprehensive ‘Umbrella for Life’ policies are available. These plans provide more robust cover and can start from $56 per month.^† Lifetime policies like these often include higher claims limits, extra benefits like alternative therapies, and lower excess payments.

Are puppy vaccinations covered by insurance?

Most pet insurance plans don’t cover routine vaccinations, as they’re considered preventive care rather than treatment for illness or injury. If you’re looking for a plan that includes vaccinations, you might want to think about a policy with wellness benefits.

Our mid-range dog insurance plan offers an optional “Day to Day Care” add-on, which can help towards the cost of vaccinations and routine care.

What age can you insure a puppy?

At Petcover, we offer insurance for puppies from 8 weeks old. You can set your policy up before then to ensure they are covered from the day they turn 8 weeks old. At this point, you can choose any of our puppy insurance plans, from safety-net to superior.

Read our policy documents

Superior plan Mid-range plan Safety-net (Economy) plan Safety-net (Catastrophe 1 & 2) plan

† Prices are accurate at the time of publishing. $45/month based upon an 8-week-old Maltese x Shih Tzu with the ‘Catastrophe 2’ plan with $900 excess. $56/month based upon an 8-week-old Maltese x Shih Tzu with the ‘Superior Entry’ plan and $150 excess.