Switching pet insurance providers
Vet bills can get expensive and it’s not uncommon to hear pet owners complain they’re unfair but when you.
Read moreTurtle & tortoise insurance
We cover Murray river, Easter long-necked and Short-necked, and more for up to $6,000 in vet fees and additional optional extras to suit.
Compare our cover types to find the best insurance for your tortoise or turtle
Petcover offers Australia’s only exotic pet insurance cover for veterinary fees, including alternative and complementary treatment, death from injury or illness, advertising and reward in case of a missing pet and much more.
Petcover offers three types of cover – Premier, Plus and Value.
Our comparison table below outlines the key differences to help you choose the option right for you and your exotic pet.
Benefits
-
Veterinary fees
Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.
Birds: up to $6,000
Reptiles: up to $6,000
Turtles: up to $6,000
(not available for small mammals) -
Alternative or complimentary treatment
Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.
Up to $500
-
Advertising and reward
Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year.
Up to $500
-
Third party liability
Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your exotic pet during the policy year and you are legally responsible.
Up to $1 million
(any one loss occurrence) -
Death from injury or illness
Cover for the price you paid for your pet if it either dies or has to be put to sleep by a vet from an injury caused by an accident or illness.
Purchase price (no excess)
-
Loss from theft, fire or weather perils
Cover for the price you paid for your pet if it is stolen due to forcible or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood and is not recovered or does not return.
Purchase price (excess 10%)
-
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
For injury: no waiting period
For illness: 21 days
-
Bird and reptile fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy
$75 (low)
$175 (high) -
Mammal fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy
$125 (low)
$225 (high) -
Referral hospital or specialist vet
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
30% excess
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
-
Diagnostic examinations
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.
50% excess
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT).
-
Age limits
The age range you can start cover for your pet.
Birds: 12 weeks – up until 26th birthday
Reptiles: 8 weeks – up until 16th birthday
Turtles: 12 weeks – up until 31st birthday
Mammals: 8 weeks – up until 6th birthday
Benefits
-
Veterinary fees
Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.
Birds: up to $4,000
Reptiles: up to $4,000
Turtles: up to $4,000
Small mammals: up to $4,000 -
Alternative or complimentary treatment
Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.
Up to $400
-
Advertising and reward
Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year.
Up to $500
-
Third party liability
Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your exotic pet during the policy year and you are legally responsible.
Up to $1 million
(any one loss occurrence) -
Death from injury or illness
Cover for the price you paid for your pet if it either dies or has to be put to sleep by a vet from an injury caused by an accident or illness.
Purchase price (no excess)
-
Loss from theft, fire or weather perils
Cover for the price you paid for your pet if it is stolen due to forcible or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood and is not recovered or does not return.
Purchase price (excess 10%)
-
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
For injury: no waiting period
For illness: 21 days
-
Bird and reptile fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy
$75 (low)
$175 (high) -
Mammal fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy
$125 (low)
$225 (high) -
Referral hospital or specialist vet
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
30% excess
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
-
Diagnostic examinations
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.
50% excess
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT).
-
Age limits
The age range you can start cover for your pet.
Birds: 12 weeks – up until 26th birthday
Reptiles: 8 weeks – up until 16th birthday
Turtles:1 2 weeks – up until 31st birthday
Mammals: 8 weeks – up until 6th birthday
Benefits
-
Veterinary fees
Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.
Birds: up to $2,000
Reptiles: up to $2,000
Turtles: up to $2,000
Small mammals: up to $2,000 -
Alternative or complimentary treatment
Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.
Up to $300
-
Advertising and reward
Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year.
Up to $500
-
Third party liability
Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your exotic pet during the policy year and you are legally responsible.
Up to $1 million
(any one loss occurrence) -
Death from injury or illness
Cover for the price you paid for your pet if it either dies or has to be put to sleep by a vet from an injury caused by an accident or illness.
Purchase price (no excess)
-
Loss from theft, fire or weather perils
Cover for the price you paid for your pet if it is stolen due to forcible or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood and is not recovered or does not return.
Purchase price (excess 10%)
-
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
For injury: no waiting period
For illness: 21 days
-
Bird and reptile fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy
$75 (low)
$175 (high) -
Mammal fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy
$125 (low)
$225 (high) -
Referral hospital or specialist vet
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
30% excess
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
-
Diagnostic examinations
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.
50% excess
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT).
-
Age limits
The age range you can start cover for your pet.
Birds: 12 weeks – up until 26th birthday
Reptiles: 8 weeks – up until 16th birthday
Turtles: 12 weeks – up until 31st birthday
Mammals: 8 weeks – up until 6th birthday
Benefits
Premier
Plus
Value
Veterinary fees
Cover for the cost of veterinary treatment your pet has received during the policy year to treat injury and illness.
Birds: up to $6,000
Reptiles: up to $6,000
Turtles: up to $6,000
(not available for small mammals)
Birds: up to $4,000
Reptiles: up to $4,000
Turtles: up to $4,000
Small mammals: up to $4,000
Birds: up to $2,000
Reptiles: up to $2,000
Turtles: up to $2,000
Small mammals: up to $2,000
Alternative or complimentary treatment
Cover for the cost of any examination, consultation advice, test and legally prescribed medication or acupuncture, chiropractic manipulation, physiotherapy, herbal medicine, homeopathy, hydrotherapy, osteopathy, recommended by your vet.
Up to $500
Up to $400
Up to $300
Advertising and reward
Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing during the policy year.
Up to $500
Up to $500
Up to $500
Third party liability
Cover for compensation and claimant’s costs and expenses, and legal costs and expenses for defending a claim against you if property is damaged, or someone is killed, injured or falls ill as a result of an incident involving your exotic pet during the policy year and you are legally responsible.
Up to $1 million
(any one loss occurrence)
Up to $1 million
(any one loss occurrence)
Up to $1 million
(any one loss occurrence)
Death from injury or illness
Cover for the price you paid for your pet if it either dies or has to be put to sleep by a vet from an injury caused by an accident or illness.
Purchase price (no excess)
Purchase price (no excess)
Purchase price (no excess)
Loss from theft, fire or weather perils
Cover for the price you paid for your pet if it is stolen due to forcible or violent entry; dies or is proven missing as a result of fire, wind, storm, lightning or flood and is not recovered or does not return.
Purchase price (excess 10%)
Purchase price (excess 10%)
Purchase price (excess 10%)
Waiting periods
Is the initial period during which no benefit is payable for the mentioned conditions.
For injury: no waiting period
For illness: 21 days
For injury: no waiting period
For illness: 21 days
For injury: no waiting period
For illness: 21 days
Bird and reptile fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy
$75 (low)
$175 (high)
$75 (low)
$175 (high)
$75 (low)
$175 (high)
Mammal fixed excess
The non-refundable amount you will be required to pay for claims covered under this policy
$125 (low)
$225 (high)
$125 (low)
$225 (high)
$125 (low)
$225 (high)
Referral hospital or specialist vet
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
30% excess
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
30% excess
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
30% excess
The cost of referral/specialist vet treatment up to the maximum benefit, if the pet is referred by a primary vet for treatment.
Diagnostic examinations
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT). The cost of MRI, NMRI, CT or CA scans up to the maximum benefit.
50% excess
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT).
50% excess
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT).
50% excess
Diagnostic examinations of magnetic resource imaging (MRI), nuclear magnetic resonance imaging (NMRI) or computed axial tomography (CT or CAT).
Age limits
The age range you can start cover for your pet.
Birds: 12 weeks – up until 26th birthday
Reptiles: 8 weeks – up until 16th birthday
Turtles: 12 weeks – up until 31st birthday
Mammals: 8 weeks – up until 6th birthday
Birds: 12 weeks – up until 26th birthday
Reptiles: 8 weeks – up until 16th birthday
Turtles:1 2 weeks – up until 31st birthday
Mammals: 8 weeks – up until 6th birthday
Birds: 12 weeks – up until 26th birthday
Reptiles: 8 weeks – up until 16th birthday
Turtles: 12 weeks – up until 31st birthday
Mammals: 8 weeks – up until 6th 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 consider the policy wording before making a decision to purchase the product.
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Get an exotic insurance quote today
Flexible cover options for your exotic pet – our wide range of exotic pet insurance is for everyone. Get a quote today and see if you can save.
Exotic insurance policy information
View the exotic insurance combined Financial Services Guide (FSG) and policy wording for full terms and conditions. For more information, please see our FAQs.
Making a claim
We understand how stressful it is when your pet gets sick or injured, that’s why we want to settle your claim as quickly as possible.