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Australian Seniors Basic Cover

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Budget Direct Comprehensive

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Budget Direct Essential

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Budget Direct Plus

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Bupa Standard

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Bupa Ultimate

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CBA Classic Cover

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CBA Plus Cover

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Coles Essential

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Coles Ultimate

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Everyday Insurance Basic

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Everyday Insurance Comprehensive Plus

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Everyday Insurance Comprehensive

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Everyday Insurance Standard

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Fetch Pet Insurance

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Guardian Bronze

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Guardian Gold

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Guardian Platinum

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Guide Dogs Premium Care

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Guide Dogs Comprehensive Care

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Guide Dogs Basic Care

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HCF Pet Premium

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HCF Pet Premium plus Routine Care

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Knose Pet Insurance

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Kogan Pet Luxury Cover

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Kogan Indoor Cat Cover

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Kogan Pet Primary Cover

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Medibank Pet Max

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Medibank Pet Plus

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Medibank Pet Protect

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Pet Circle Pet Insurance

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Petbarn Core

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Petcover Entry

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Petcover Mid-point

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Petcover Vital

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Petcover Economy

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Petcover Catastrophe 1

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Petcover Catastrophe 2

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Petinsurance.com.au Bronze Cover

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Petinsurance.com.au Silver Cover

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Petinsurance.com.au Gold Cover

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Petinsurance.com.au Platinum Cover

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PetsOnMe Accident Plan

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PetsOnMe Classic Plan

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PetsOnMe Deluxe Plan

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Petsy Pet Protection Plus

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Petsy Kitten Protection Plus

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Petsy Puppy Protection Plus

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Prime Imperial

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Prime Sovereign

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Prime Regal

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RAC Pet Insurance

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RACQ Pet Insurance

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Real Insurance Classic

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Real Insurance Premium

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Real Insurance Standard

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RSPCA General

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RSPCA Ultimate

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RSPCA Economy

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RSPCA Ultimate Plus

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Trupanion Pet Insurance

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Vets Choice Elite

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Vets Choice Pro

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Australian Seniors Essential Cover

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Petbarn Core Plus

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Petcover Superior

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Petbarn Total

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Petcover Core

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Australian Seniors Top Cover

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Bow Wow Meow Nose-To-Tail Cover

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Petcover Key

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Description

Insurer

Australian Seniors

Budget Direct

Bupa

CBA

Coles

Everyday Insurance

Fetch

Guardian

Guide Dogs

HCF

Knose

Kogan

Medibank

Pet Circle

Petbarn

Petcover

Petinsurance.com.au

PetsOnMe

Petsy

Prime

RAC

RACQ

Real Insurance

RSPCA

Trupanion

Vets Choice

Australian Seniors

Petbarn

Petcover

Petbarn

Petcover

Australian Seniors

Bow Wow Meow

Petcover

Policy

Basic Cover

Comprehensive

Essential

Plus

Standard

Ultimate

Classic Cover

Plus Cover

Essential

Ultimate

Basic

Comprehensive Plus

Comprehensive

Standard

Pet Insurance

Bronze

Gold

Platinum

Premium Care

Comprehensive Care

Basic Care

Pet Premium

Pet Premium plus Routine Care

Pet Insurance

Pet Luxury Cover

Indoor Cat Cover

Pet Primary Cover

Pet Max

Pet Plus

Pet Protect

Pet Insurance

Core

Entry

Mid-point

Vital

Economy

Catastrophe 1

Catastrophe 2

Bronze Cover

Silver Cover

Gold Cover

Platinum Cover

Accident Plan

Classic Plan

Deluxe Plan

Pet Protection Plus

Kitten Protection Plus

Puppy Protection Plus

Imperial

Sovereign

Regal

Pet Insurance

Classic

Premium

Standard

General

Ultimate

Economy

Ultimate Plus

Pet Insurance

Elite

Pro

Essential Cover

Core Plus

Superior

Total

Core

Top Cover

Nose-To-Tail Cover

Key

Underwriter

PetSure (Australia) Pty Ltd

Auto & General Insurance Company Limited

PetSure (Australia) Pty Ltd

Guild Insurance Limited

PetSure (Australia) Pty Ltd

Pacific International Insurance Pty Ltd

PetSure (Australia) Pty Ltd

Pacific International Insurance Pty Ltd

PetSure (Australia) Pty Ltd

Pacific International Insurance Pty Ltd

PetSure (Australia) Pty Ltd

Sovereign Insurance Australia Pty Ltd

PetSure (Australia) Pty Ltd

Pacific International Insurance Pty Ltd

PetSure (Australia) Pty Ltd

RACQ Insurance Limited

PetSure (Australia) Pty Ltd

The Hollard Insurance Company Pty Ltd

Guild Insurance Limited

PetSure (Australia) Pty Ltd

Sovereign Insurance Australia Pty Ltd

PetSure (Australia) Pty Ltd

Sovereign Insurance Australia Pty Ltd

PetSure (Australia) Pty Ltd

Sovereign Insurance Australia Pty Ltd

Policy type

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

• Limited injury cover
• Comprehensive illness cover

• Comprehensive injury cover
• Limited illness cover

Comprehensive injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Limited illness cover

Limited injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

Limited illness cover

Limited injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury cover

Comprehensive injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

• Comprehensive injury cover
• Limited illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

• Limited injury cover
• Comprehensive illness cover

Comprehensive injury and illness cover

Animals covered

Cats and dogs

Cats

Cats and dogs

Cats

Dogs

Cats and dogs

Cats

Dogs

Cats and dogs

Cover summary

Minimum age for new cover

8 weeks

9 years

8 weeks

6 weeks

8 weeks

6 weeks

8 weeks

6 weeks

1 week

6 weeks

8 weeks

No minimum age

8 weeks

Maximum age for new cover

15 years

8 years

No maximum age

8 years

9 years

15 years

8 years

No maximum age

8 years

No maximum age

8 years

7 years

No maximum age

7 years

14 years

8 years

11 years

8 years

1 year

8 years

15 years

8 years

15 years

8 years

15 years

8 years

13 years

8 years

7 years

6 years

7 years

8 years

7 years

Maximum benefit per year

• $12000
• Up to $2000 per condition

$15,000

$12,000

$25,000

$12,000

$20,000

$15,000

$30,000

$10,000

Choose from $10000, $15000, $25000 or $40000

$5,000

$24,000

$30,000

$10,000

$30,000

• $12000
• Up to $2000 per condition

$12,000

$20,000

$15,000

$12,000

Choose from $7500, $12500 or $25000

$15,000

$5,000

$8,000

$30,000

$25,000

$10,000

• Cats: choose from $2500, $5000 or $10000
• Dogs: choose from $10000, $17500 or $30000

• No annual limit
• Up to $500 per condition

• Cats: $9000
• Dogs: $10000

• Cats: $10000
• Dogs: $15000

$10,000

$7,000

$5,000

$10,000

$20,000

$30,000

$5,000

$10,000

$15,000

Choose from $5000, $10000 or $25000

• Choose from $6000, $12000 or $30000 if pet insured before 6 months old
• Choose from $5500, $11000 or $27500 if pet insured before 1 year old

$14,000

• $14000
• Up to $2000 per condition

$12,000

• $12000
• Up to $2000 per condition

$12,000

• $11000
• Up to $2000 per condition

$11,000

$20,000

No annual limit

$15,000

$12,000

• No annual limit
• Up to $1000 per condition

• Cats: $15000
• Dogs: $20000

• No annual limit
• $Up to $1200 overall combined limit for most conditions
• Over 30 other conditions have specific sublimits

$5,000

$12,000

Choose from $10000, $20000 or $30000

$15,000

Benefit paid per claim

60% vet bill covered

80% vet bill covered

Choose from 70% or 80% vet bill covered

Choose from 80% or 90% vet bill covered

Choose from 80% or 100% vet bill covered

80% vet bill covered

Choose from 80%, 90% or 100% vet bill covered

60% vet bill covered

75% vet bill covered

80% vet bill covered

85% vet bill covered

80% vet bill covered

75% vet bill covered

80% vet bill covered

Choose from 70%, 80% or 90% vet bill covered

• Up to 8 years: 80% vet bill covered
• From 8 years: 65% vet bill covered

80% vet bill covered

90% vet bill covered

80% vet bill covered

70% vet bill covered

Choose from 70%, 80% or 90% vet bill covered

• Up to 8 years: 90% vet bill covered
• From 8 years: 65% vet bill covered

• Up to 8 years: 100% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered

Choose from 70%, 80% or 90% vet bill covered

• Up to 8 years: 100% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered

80% vet bill covered

Choose from 80% or 90% vet bill covered

80% vet bill covered

85% vet bill covered

65% vet bill covered

80% vet bill covered

60% vet bill covered

80% vet bill covered

75% vet bill covered

60% vet bill covered

80% vet bill covered

75% vet bill covered

80% vet bill covered

90% vet bill covered

80% vet bill covered

75% vet bill covered

• Up to 8 years: 90% vet bill covered
• From 8 years: 65% vet bill covered

• Up to 8 years: 100% vet bill covered
• From 8 years: 80% vet bill covered
• From 10 years: 65% vet bill covered

• Up to 8 years: 100% vet bill covered
• From 8 years: 65% vet bill covered

Choose from 70%, 80% or 90% vet bill covered

80% vet bill covered

Choose from 70%, 80% or 90% vet bill covered

Excesses

Excess

Choose excess from $100 or $200

Choose excess from $0, $100 or $200

Choose excess from $0 or $200

Choose excess from $100 or $200

Choose excess from $100, $200 or $500

Choose excess from $0 or $200

Choose excess from $0 or $100

Choose excess from $0, $100 or $500

Choose excess from $0 or $100

Choose excess from $0, $100 or $200

Choose excess from $0 or $50

Choose excess from $0 or $100

Choose excess from $0, $50, $100 or $200

Choose excess from $0, $100 or $200

Choose excess from $0, $50 or $100

Choose excess from $0 or $50

Choose excess from $0, $100 or $250

Choose excess from $0, $75 or $150

• Cats: $125
• Dogs: $150

Choose excess from $0, $100 or $200

• Cats: $125
• Dogs: $150

Choose excess from $450 or $900

Choose excess from $0, $250 or $500

Choose excess from $100, $200 or $300

Choose excess from $0, $150, $200, $300 or $500

Choose excess from $0, $100 or $200

Choose excess from $0â$1000

Choose excess from $200, $350 or $500

• Cats: $125
• Dogs: $150

Choose excess from $0, $100 or $200

Choose excess from $0, $250 or $500

Choose excess from $0, $100 or $200

Covered events

Injury

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect and arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscess
• lacerations or abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident

• Comprehensive cover
• 2 day waiting period

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to bite from an insect or arachnid
• near drowning incident
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscesses
• lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
• cruciate ligament condition

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• Burn
• electrocution
• reaction to bite from an insect, spider or scorpion
• bone fracture
• traumatic tooth fracture
• snake bite toxicity
• ingestion of foreign object
• poisoning
• traumatic ligament or tendon injury
• bite/fight wound abscesses
• lacerations/abrasion of tissue/skin/mucous membrane due to external trauma
• cruciate ligament condition

• Comprehensive cover
• 2 day waiting period

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to a bite from an insect, spider or scorpion (excluding fleas)
• near drowning incident
• bone fracture
• traumatic tooth fracture
• snake bite toxicity
• ingestion of a foreign object
• poisoning
• traumatic ligament or tendon injury
• bite wound or fight wound abscesses
• lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
• cruciate ligament condition

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to a bite from an insect, spider or scorpion
• near drowning incident
• bone fracture
• traumatic tooth fracture
• snake bite toxicity
• ingestion of a foreign object
• poisoning
• traumatic ligament or tendon injury
• bite wound or fight wound abscesses
• lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
• cruciate ligament condition

• Comprehensive cover
• 2 day waiting period

• Comprehensive cover
• 1 day waiting period

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect or arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscesses
• lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
• cruciate ligament condition

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to bite from an insect, spider or scorpion
• near drowning incident
• bone fracture
• traumatic tooth fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscesses
• lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
• cruciate ligament condition
• ingestion of foreign object
• poisioning

• Comprehensive cover
• 1 day waiting period

• Comprehensive cover
• No waiting period

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to a bite from an insect, spider or scorpion
• near drowning incident
• bone fracture
• traumatic tooth fracture
• snake bite toxicity
• ingestion of a foreign object
• poisoning
• traumatic ligament or tendon injury
• bite wound or fight wound abscesses
• lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
• cruciate ligament condition

• Comprehensive cover
• No waiting period

• Comprehensive cover
• 1 day waiting period

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• allergic reaction to insect/arachnid bites
• bone fracture
• snake bite toxicity
• traumatic ligament/tendon injury
• bite wound/fight wound abscesses
• lacerations/abrasion of tissue, skin or mucous membrane due to external violence
• near drowning incident

• Comprehensive cover
• No waiting period

• Comprehensive cover
• 5 day waiting period

• Comprehensive cover
• 21 day waiting period

• Comprehensive cover
• No waiting period

Comprehensive cover

• Comprehensive cover
• No waiting period

Illness

• Comprehensive cover
• 30 day waiting period

• Limited cover
• 21 day waiting period
Covers these specified illnesses only:
• cancer
• cruciate ligament condition
• joint dysplasia
• joint luxation

• Comprehensive cover
• 21 day waiting period

• Comprehensive cover
• 30 day waiting period

• Comprehensive cover
• 14 day waiting period

• Comprehensive cover
• 30 day waiting period

• Limited cover
• 30 day waiting period
Covers these specified illnesses only:
• cancer
• feline lower urinary tract disease
• gastrointestinal problems
• ingestion of a foreign object
• poisoning
• diabetes
• hyperthyroidism
• heart disease
• outer and inner ear infections
• arthritis
• renal disease

• Limited cover
• 30 day waiting period
Covers these specified illnesses only:
• ingestion of a foreign object
• tick paralysis
• heat stroke
• gastric dilatation-volvulus (GDV)
• trauma induced respiratory impairment
• traumatic spinal disc rupture
• torn nail
• poisoning
• embedded grass seed
• soft tissue injury
• eye trauma
• intervertebral disc disease (IVDD)

• Comprehensive cover
• 30 day waiting period

• Comprehensive cover
• 14 day waiting period

• Comprehensive cover
• 30 day waiting period

• Comprehensive cover
• 21 day waiting period

• Comprehensive cover
• 28 day waiting period

• Comprehensive cover
• 21 day waiting period

• Comprehensive cover
• 30 day waiting period

• Limited cover
• 21 day waiting period
Covers these specified illnesses only:
• cancer
• feline lower urinary tract disease
• gastrointestinal problems
• ingestion of a foreign object
• poisoning
• diabetes
• hyperthyroidism
• heart disease
• outer and inner ear infections
• arthritis
• renal disease

• Limited cover
• 21 day waiting period
Covers these specified illnesses only:
• tick paralysis
• heat stroke
• gastric dilatation-volvulus (GDV)
• trauma induced respiratory impairment
• intervertebral disc disease (IVDD) or a traumatic spinal disc rupture
• torn nail
• embedded grass seed
• soft tissue injury
• eye trauma

• Comprehensive cover
• 21 day waiting period

• Comprehensive cover
• 14 day waiting period

• Comprehensive cover
• 30 day waiting period

• Comprehensive cover
• 21 day waiting period

• Comprehensive cover
• 30 day waiting period

• Comprehensive cover
• 21 day waiting period

• Limited cover
• 21 day waiting period
Covers these specified illnesses only:
• arthritis (investigation and diagnosis only)
• diabetes (investigation and diagnosis only)
• epilepsy (investigation and diagnosis only)
• adrenal conditions
• anal glands rupture
• Brachycephalic Obstructive Airway syndrome (BOAS)
• cancer
• cherry eye
• cruciate ligament condition
• elbow dysplasia
• entropion and ectropion
• Feline Immunodeficiency Virus (FIV)
• hernia
• hip dysplasia
• immune mediated blood disease
• intervertebral disc disease (IVDD)
• joint luxation
• lumps, growths & cysts removal
• non-diabetic cataract
• osteochondritis dissecans (OCD)
• Pancreatitis
• pneumonia
• thromboembolic disease
• triaditis
• Urinary Tract Infections, Diseases and Obstructions
• vestibular disease

• Comprehensive cover
• 30 day waiting period

• Comprehensive cover
• 21 day waiting period

• Comprehensive cover
• 20 day waiting period

• Comprehensive cover
• 28 day waiting period

• Comprehensive cover
• 30 day waiting period

• Comprehensive cover
• 28 day waiting period

Vet consults

Up to $300

Up to $400

Up to $300

Up to $400

Up to $500

• Up to $80 per consult
• Up to $200 per specialist consult or house call

Optional

Up to $300

Up to $400

Up to $300

Up to $400

Emergency treatment

Up to $200 per consult

Pre-existing conditions

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Can be covered if condition is cured and pet is symptom-free for 12 months

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Can be covered if condition is fully cured

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Can be covered if condition is temporary, fully cured and pet is symptom-free for 3â24 months (depending on condition)

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Can be covered if condition is temporary and pet is symptom-free for 18 months

Can be covered if condition is temporary, fully cured and pet is symptom-free for 3â24 months (depending on condition)

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Can be covered if condition is fully cured and considered temporary and have no relation to an underlying condition

Can be covered if condition is on insurer's list of reviewable conditions and approved by insurer review

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Can be covered if condition is certified by your vet as not lifelong with no cure and pet is symptom-free for 18 months

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Can be covered if condition is cured, approved by insurer review, temporary and pet is symptom-free for 18 months

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Can be covered if condition is temporary and fully cured

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Claims

How to claim

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• Email claim form
• Mail claim form
• Web form (customer or vet can submit)

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• Phone
• Web form (customer or vet can submit)

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• App
• Fast Claims in app (if customer and vet opt in)

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• Customer portal
• Vet can email on your behalf

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

Customer portal

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• Email claim form
• Mail claim form

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

Customer portal

• Customer portal
• Phone
• Vet can email on your behalf

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• Customer portal
• Phone

• Customer portal
• In store
• Phone

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• Customer portal
• Email claim form
• GapOnly (vet submits on your behalf)

• Phone
• Web form

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• Email claim form
• Mail claim form

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• Email claim form
• Mail claim form

• Customer web portal
• E-claim (vet submits on your behalf)
• GapOnly (vet submits on your behalf)
• Mail claim form (vet must fill out a section)

• Email claim form
• Mail claim form

Quick and easy claims

• GapOnly
• Participating vet practices only
• Available weekdays 8amâ10pm, Saturday 8amâ5pm (excluding NSW public holidays)

• Fast Claims (customer must opt in on app)
• Participating vet practices only
• Available weekdays 9amâ5pm, Saturday 9amâ3pm, Sunday 9amâ1pm

• GapOnly
• Participating vet practices only
• Available weekdays 8amâ10pm, Saturday 8amâ5pm (excluding NSW public holidays)

Direct vet payments

GapOnly claims only

Fast Claims claims only

GapOnly claims only

Additional benefits

Routine care

• Optional
• Choose limit from $75 or $150
• Covers health checks, vaccinations, dental check-ups and scale/polish, flea/tick/worming treatments, blood/urine testing or alternative/complementary therapy

• Optional
• Up to $200 per year
• Up to $80 for desexing, micro-chipping, heartworm control/prevention, flea/tick/worm control, blood and urine tests, vaccinations and health checks, training, teeth cleaning, dew claw removal, prescription diets or cremation/burial

• Optional
• Up to $150 per year
• Up to $50 for desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication, obedience training, heartworm tests or blood screen, FeLV/FIV tests or urinalysis or flea/tick/worm control

Routine Care Lite option:
• Up to $150 per year
• Up to $80 for consultations or vaccinations
Routine Care Plus option:
• Up to $250 per year
• Up to $80 for consultations, vaccinations, dental check-up, alternative/complementary therapies or behavioural therapy

• Optional
• Up to $100 per year
• Up to $50 for vaccinations or health checks
• Up to $50 for 1 of: desexing, heartworm preventative, dew claw removal, prescription diets, microchipping, teeth cleaning, cremation or burial, council registration fees, dental illness treatment, alternative therapy, behavioural therapy (by qualified animal behavioural therapist or vet) or obedience training (at recognised facility)

• Optional
• Up to $80 per year

• Optional
• Up to $50 for 1 of: desexing and microchipping; heartworm preventative medication; teeth cleaning; dental illness treatment; vaccinations or health checks; council registration fees; prescription diets; alternative therapies for pets; dew claw removal; cremation or burial; behavioural therapy; obedience training or flea, tick or worm control
• Up to $15 for heartworm test or blood screen
• Up to $15 for FeLV/FIVÂ test or urinalysis

• Covered
• Up to $50 for 1 of: desexing, heartworm control, dew claw removal, prescription diets, cremation/burial, microchipping, teeth cleaning, council registration fees or alternative therapies
• Up to $45 for 1 of: flea/tick/worm control
• Up to $30 for 1 of: vaccinations or health checks
• Up to $10 for 1 of: heartworm tests or blood screens
• Up to $10 for 1 of: FeLV/FIV tests or urinalysis

Pet care plans sold separately

• Optional
• Up to $80 for desexing, microchipping, heartworm control, teeth cleaning, prescription diets, cremation or burial, dental illness treatment, council registration fees, obedience training, behavioural therapy or alternative therapies
• Up to $40 for 1 of: vaccination or health check, flea/tick/worm control, blood screens

• Optional
• Up to $50 for 2 of: desexing, vaccinations or health checks, microchipping, heartworm preventative, dew claw removal, prescription diets, teeth cleaning, cremation/burial, council registration fees, alternative medication or obedience training
• Up to $45 for flea/tick/worm control
• Up to $10 for heartworm tests or blood screen
• Up to $10 for FeLV/FIV tests or urinalysis

• Optional
• Up to $50 for 1 of: de-sexing, microchipping, heartworm, behavioural therapy, teeth cleaning, council registration fees, alternative therapies, prescription diets, dewclaw removal or dog training at a recognised training centre
• Up to $45 for flea/worm control
• Up to $30 for vaccinations or health check
• Up to $10 for heartworm test or blood screen
• Up to $10 for FeLv/ Fiv test or urinalysis

• Optional
• Up to $100 for 1 of: desexing, microchipping, heartworm control, teeth cleaning, prescription diets, cremation or burial, dental illness treatment, council registration fees, obedience training, behavioural therapy or alternative therapies
• Up to $50 for 1 of: vaccination or health check, flea/tick/worm control or blood screen

• Optional
• Up to $50 for 1 of: desexing, heartworm control, dew claw removal, prescription diets microchipping, dental illness treatment, teeth cleaning vaccinations, health checks, cremation/burial, council registration fees, alternative therapy, behavioural therapy obedience training or flea/tick/worm control
• Up to $15 for heartworm tests or blood screen
• Up to $15 for felv tests or urinalysis

• Optional
• Up to $100 for de-sexing, micro-chipping, teeth cleaning, alternative therapies, heartworm preventative medication, food that is prescribed by your vet, council registration fees, health check-ups by your vet or vaccinations

• Optional
• Up to $50 for 1 of: de-sexing; microchipping; heartworm preventative medication; teeth cleaning; council registration fees; alternative therapies for pets; prescription diets; dewclaw removal; cremation or burial; behavioural therapy; dental illness treatment; obedience training (at a recognised training facility); flea, tick or worm control or vaccinations or health checks
• Up to $15 for heartworm tests or blood screening
• Up to $15 for FeLV/FIV tests or urinalysis

• Optional
• Up to $50 for 1 of: desexing, microchipping, heartworm control, teeth cleaning, dew claw removal, council registration fees, prescription diets, alternative therapies, cremation/burial, behavioural therapy, flea/tick/work control, vaccinations or health checks, dental illness treatment or obedience training
• Up to $15 for heartworm test or blood screen
• Up to $15 for FeLV/FIV test or urinalysis

• Optional, bundled with dental cover
• Up to $350 per year
• Covers dental check-ups, teeth clean/polish, dental diets, bites, chews, treats, water additive, oral gel/spray, toothpaste or professional teeth sealant

• Optional
• Up to $50 for 1 of: flea, tick, worm control; heartworm control; vaccinations; health checks; teeth cleaning; prescription diets; dew claw removal; de-sexing; council registration fees; microchipping; behavioural therapy; alternative therapies; dental illness treatment; puppy training or cremation or burial
• Up to $15 for heartworm tests or blood screening
• Up to $15 for FeLV/FIV tests or urinalysis

• Optional
• Up to $150 for desexing, vaccinations, health checks, microchipping, heartworm preventative, prescription diets, Puppy pre-school and obedience training, flea/tick/worm control, FeLV/FIV and heartworm tests, Wellness blood screen or Nail clipping

Alternative therapies

• Not covered
• Some cover available under routine care option

• Optional
• Up to $1000

• Optional
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option

• Not covered
• Some cover available under routine care option

• Optional
• Some cover available under routine care option

• Optional
• Some cover available under routine care

Optional

• Optional
• Some cover available under routine care option

• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option

• Optional
• Up to $2000
• Limit combined with cover for dental and behavioural conditions
• Some cover available under routine care option

• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option

• Covered
• Up to $2000

• Not covered
• Some cover available under routine care option

• Covered
• Up to $1000

• Optional
• Some cover available under routine care option

• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option

• Optional
• Some cover available under routine care option

Optional

• Covered
• Up to $4000

• Covered
• Up to $500

• Not covered
• Some cover available under routine care option

• Optional
• Some cover available under routine care option

• Optional, bundled with other extras
• Up to $2000

• Not covered
• Some cover available under routine care option

Lost animal

Covers social media campaign run by insurer and targeting people in your postcode

• Up to $1000 for advertising and rewards
• Up to purchase price of animal or $1500 for theft/straying (optional)

• Optional
• Up to $500 for local newspaper advertising and rewards

• Up to $2000 for advertising and rewards
• Up to purchase price of animal or $2000 for theft or straying

Necessary euthanasia

Up to $1000

Up to $300

Telehealth vet service

• Text or video call with vet
• Available 24/7

• In-app chat with a vet
• Available 24/7

• Text or video call with vet
• Available 24/7

• Call or online chat with a registered vet nurse
• Available 24/7

• Text or video call with vet
• Available 24/7

• Call a vet
• Available weekdays 8amâ8pm

• Text or video call with vet
• Available 24/7

Legal liability

• Covered for registered guide dogs only
• Up to $1000000

• Covered for dogs only
• Up to $3000000

• Covered for dogs only
• Up to $1000000

• Optional for dogs only
• Up to $1000000

• Covered
• Up to $10000

• Optional
• Up to $25000

• Covered
• Up to $100000

• Covered for dogs only
• Up to $5000000

• Covered for dogs only
• Up to $1000000

Conditions

Allergic reaction

• Covered
• Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp

• Covered
• Covers allergic reaction to insect bite
• No cover for allergic reaction to tick/flea bite

• Covered
• Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp

• Covered
• No cover for allergic reaction to products used to maintain the cleanliness of pet or products for treatment of ectoparasites

• Covered
• Covers allergic reaction to insect bite
• No cover for allergic reaction to tick/flea bite

• Covered
• Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp

Brachycephalic Airway Obstruction Syndrome

• Covered
• Standard waiting periods

• Covered
• No cover for pets under 1 year old
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• 90 day waiting period

• Covered
• Standard waiting periods

• Optional
• Insurer requires you to apply for cover
• No waiting period

• Covered
• Standard waiting periods

• Optional
• Insurer requires you to apply for cover
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• 365 day waiting period

• Covered
• Up to $3000
• 365 day waiting period
• Covered treatments include stenotic nares and soft palate resection, nasal fold surgery and skin fold surgery

• Covered
• Up to $6000
• 365 day waiting period
• Covered treatments include stenotic nares and soft palate resection, nasal fold surgery and skin fold surgery

• Covered
• Standard waiting periods

• Optional
• Insurer requires you to apply for cover
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $2000
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• 365 day waiting period

• Covered
• Up to $2500
• Standard waiting periods

• Covered
• 365 day waiting period

• Covered
• Standard waiting periods

• Covered
• 365 day waiting period

Behavioural conditions

• Not covered
• Some cover available under routine care option

• Optional
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option

• Not covered
• Some cover available under routine care option

• Covered
• Insurer requires you to fulfil basic needs for training, socialisation, exercise, housing, nutrition and care; and that pet has no history of behavioural issues (e.g. aggression) before cover
• No cover for conditions caused by leaving pet alone for extended periods
• Standard waiting periods

• Not covered
• Some cover available under routine care option

• Not covered
• Some cover available under routine care

• Optional
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period

• Not covered
• Some cover available under routine care option

• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option

• Optional
• Up to $2000
• Limit combined with cover for dental and alternative therapies
• Some cover available under routine care option

• Optional, bundled with other extras
• Pet must be under 3 years when first taking out this option
• Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
• 6 month waiting period

• Covered
• No cover for conditions caused by failure to provide training
• Standard waiting periods

• Not covered
• Some cover available under routine care option

• Covered
• No cover for conditions caused by failure to provide training
• Standard waiting periods

• Not covered
• Some cover available under routine care option

• Optional, bundled with other extras
• Standard waiting periods

• Covered
• No cover for conditions caused by failure to provide training
• Standard waiting periods

• Covered
• Up to $400
• Cover includes anxiety, phobias, compulsive disorders and impulse control problems
• No cover for conditions preventable by puppy training/socialisation
• 20 day waiting period

• Not covered
• Some cover available under routine care option

• Optional, bundled with other extras
• Up to $2000
• Standard waiting periods
• Some cover available under routine care option

• Not covered
• Some cover available under routine care option

Cancer

• Covered
• Standard waiting periods

• Covered as a specified illness
• 21 day waiting period
• Cover includes neoplasia, osteosarcoma and mast cell tumour
• No cover for tumours described as benign, pre-malignant or borderline malignant or of low malignant potential

• Covered
• 21 day waiting period

• Covered
• Standard waiting periods

• Covered
• 6 month waiting period

• Covered as a specified illness
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $5000
• Standard waiting periods

• Covered
• Up to $2500
• Standard waiting periods

• Covered
• Up to $5000
• Standard waiting periods

• Covered as a specified illness
• 21 day waiting period

• Covered
• Standard waiting periods

• Covered as a specified illness
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $4000
• Standard waiting periods

• Covered
• Up to $5000
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $5000
• Standard waiting periods

Cruciate ligament conditions

• Covered
• Up to $2000
• 6 month waiting period

• Covered
• Up to $2600
• Cover includes osteoarthritis in a previously affected knee
• 6 month waiting period

• Covered
• Up to $3500
• Cover includes osteoarthritis in a previously affected knee
• 6 month waiting period

• Covered as a specified injury
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period

• Covered as a specified injury
• Up to $4000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period

• Covered as a specified injury
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period

• Covered as a specified illness
• Up to $5300
• Cover includes any rupture or strain of the cruciate ligament, whether partial or complete and including cartilage tear and loosening of cruciate ligament
• 6 month waiting period

• Covered
• Up to $5300
• 6 month waiting period

• Covered as a specified injury
• Up to $2000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period

• Covered as a specified injury
• Up to $5000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period

• Covered as a specified injury
• Up to $3000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period

• Covered
• 90 day waiting period

• Covered
• Up to $2000
• 6 month waiting period

• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period

• Covered
• Up to $3600
• 6 month waiting period

• Covered as a specified injury
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period

• Covered
• 6 month waiting period

• Covered
• Up to $2600
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period

• Covered as a specified injury
• Up to $3200 for treatment in ACT and NT or WA
• Up to $2600 for treatment in NSW, Qld, SA and Tas or Vic
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period

• Covered
• 6 month waiting period

• Covered
• Standard waiting periods

• Covered
• Up to $2500
• 6 month waiting period

• Covered
• Up to $1500
• 6 month waiting period

• Covered
• Up to $3000
• 6 month waiting period

• Covered as a specified injury
• Up to $3000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligament and complications from treatment
• 6 month waiting period

• Covered as a specified injury
• Up to $4000 per leg
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligament and complications from treatment
• 6 month waiting period

• Covered as a specified injury
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligament and complications from treatment
• 6 month waiting period

• Covered
• 180 day waiting period

• Covered
• 6 month waiting period

• Covered
• Up to $3200 for treatment in ACT and NT or WA
• Up to $2600 for treatment in NSW, Qld, SA and Tas or Vic
• 6 month waiting period

• Covered
• Up to $2000
• 6 month waiting period

• Covered
• Up to $2600
• Standard waiting periods

• Covered
• Up to $2000
• 6 month waiting period

• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period

• Covered
• Up to $2000
• 6 month waiting period

• Covered
• Up to $3200 for treatment in ACT and NT or WA
• Up to $2600 for treatment in NSW, Qld, SA and Tas or Vic
• 6 month waiting period

• Covered
• 6 month waiting period

• Covered
• Standard waiting periods

• Covered
• Up to $3300
• Optional cover up to $5300
• 6 month waiting period

• Covered as a specified illness
• Up to $3300
• Optional cover up to $5300
• 6 month waiting period

• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period

• Covered as a specified injury
• $1000 per condition
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligaments and complications following surgery
• 6 month waiting period

• Covered
• Standard waiting periods

• Covered
• Up to $4000
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of cruciate ligaments and complications following surgery
• 6 month waiting period

• Covered
• Up to $1500
• 6 month waiting period

• Covered
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period

• Covered
• Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
• 6 month waiting period

• Covered
• Up to $3000
• 6 month waiting period

Ear conditions

• Covered
• Standard waiting periods

• Covered for injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• 30 day waiting period

• Covered
• Standard waiting periods

• Covered
• Specifically covered illnesses include outer and inner ear infections
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Specifically covered illnesses include outer and inner ear infections
• 21 day waiting period

• Covered
• Standard waiting periods

• Covered
• No cover for presbycusis
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $1000 for chronic conditions
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $750 for each condition
• Standard waiting periods

• Covered
• Standard waiting periods

Eye conditions

• Covered
• Standard waiting periods

• Covered for injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• 90 day waiting period for cherry eye
• Standard waiting periods for other conditions

• Covered
• Standard waiting periods

• Covered
• 6 month waiting period for cherry eye, entropion and ectropion
• Standard waiting periods for other conditions

• Covered
• Standard waiting periods

• Covered
• Specifically covered illnesses include eye trauma
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• 6 month waiting period for cherry eye, entropion and ectropion
• Standard waiting periods for other conditions

• Covered
• Standard waiting periods

• Covered
• Specifically covered illnesses include eye trauma
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Cover includes cherry eye caused by accidental injury
• No cover for glaucoma
• Standard waiting periods

• Covered
• 6 month waiting period for cherry eye, entropion and ectropion
• Standard waiting periods for other conditions

• Covered
• Standard waiting periods

• Covered
• Specifically covered illnesses include cherry eye
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $750 for conjunctivitis and corneal ulcers
• Up to $1500 for cherry eye and entropion
• Up to $6000 for cataracts
• Up to $1200 for other conditions
• Standard waiting periods

• Covered
• Standard waiting periods

Dental and oral health conditions

• Not covered
• Does cover oral tumours
• Up to $2000 per condition

• Covered for injury
• No cover for dental disease, removal of deciduous teeth, gingivitis, tartar or periodontitis
• Does not cover preventative dental care, cosmetic dentistry, cleaning or scale and polish
• Some cover available under routine care option

• Not covered
• Does cover oral tumours
• Some cover available under routine care option

• Not covered by default
• Does cover oral tumours
Optional cover:
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• Up to $500
• 6 month waiting period
• Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option

• Not covered by default
• Does cover traumatic tooth fracture, oral tumours and stomatitis
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• No cover for odontoclastic resorptive lesions
• Up to $2000
• 6 month waiting period
• Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Does not cover corrective treatment, cosmetic dental surgery, crowns, orthodontic treatment or root canal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option

• Optional
• Cover limited to gingivitis, abscesses, tooth fracture, cavities, dental disease arising from infection and tooth resorption
• Up to $800
• 6 month waiting period
• Treatment of tooth fracture, cavities, dental disease arising from infection and tooth resorption limited to restoration of canine and carnassial teeth (including orthodontic treatment, crowns and root canals) and tooth removal
• Does not cover corrective treatment or cosmetic surgery
• Insurer requires annual routine dental check-ups/treatment
• Some cover available under routine care option

• Not covered
• Does cover traumatic tooth fracture, oral tumours and stomatitis

• Not covered
• Does cover traumatic tooth fracture
• Some cover available under routine care option

• Not covered
• Does cover traumatic tooth fracture, oral tumours and stomatitis
• Some cover available under routine care option

• Not covered
• Does cover traumatic tooth fracture, oral tumours and stomatitis

• Covered
• No cover for pre-existing issues with baby teeth
• Covered treatments for misaligned baby teeth and retained permanent teeth includes removal
• Does not cover dental health checks, routine dental care, descale and polish, prophylaxis, x-rays to assess dental health, toothbrushes, toothpaste or mouthwash
• Insurer requires no history of periodontal disease before joining and for pet to have annual dental checkups

• Not covered
• Does cover oral tumours
• Up to $2000 per condition

• Not covered
• Does cover oral tumours

• Not covered
• Does cover oral tumours
• Some cover available under routine care option

• Not covered
• Does cover oral tumours

• Not covered by default
• Does cover oral tumours
Optional cover:
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• No cover for odontoclastic resorptive lesions
• Up to $2000
• 2 year waiting period
• Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Does not cover corrective treatment, cosmetic dental surgery, crowns, orthodontic treatment or root canal
• Insurer requires annual routine dental check-ups

• Not covered by default
• Does cover oral tumours
Optional cover:
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• No cover for odontoclastic resorptive lesions
• Up to $2000
• 2 year waiting period
• Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Does not cover corrective treatment, cosmetic dental surgery, crowns, orthodontic treatment or root canal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care

• Optional
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• 14 day waiting period (pets under 1 year)
• 6 month waiting period (pets over 1 year)
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals

• Not covered
• Does cover oral tumours
• Some cover available under routine care option

• Covered
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities, fractured teeth due to dental disease, immune-mediated stomatitis and oral tumours
• Up to $2000
• 6 month waiting period
• Treatment for traumatic tooth fracture and immune-mediated stomatitis limited to tooth removal
• Treatment for gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease limited to scaling, polishing, dental x-rays and tooth removal
• Does not cover orthodontics, root canal therapy, crowns, teeth, cosmetic surgery or corrective treatment
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option

• Not covered by default
• Does cover traumatic tooth fracture, oral tumours and immune-mediated stomatitis
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to dental x-rays, polishing, scaling and tooth removal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option

• Not covered by default
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period (pets under 1 year)
• 6 month waiting period (pets over 1 year)
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals

• Not covered
• Does cover oral tumours
• Up to $500 per condition

• Covered
• No cover for luxation, horizontal bone loss, impacted teeth or embedded teeth, gingival hyperplasia, malocclusion, linguoversion, wry bite, supernumerary teeth, reverse scissor bite, posterior cross bite, anterior crossbite, overbite, brachygnathia, open bite or level bite
• Does not cover periodontics, dental check-ups, comprehensive oral health assessment and treatment (COHAT), dental x-rays, dental prophylaxis, dental scale/polish, teeth cleaning, gingival curettes, removal of plaque/calculus, periodontal surgery, dental sealants, dental vaccines, prosthodontics, removal/repair of misaligned/retained deciduous teeth, orthodontic appliances, crowns, caps/splints, root canal or orthodontics
• Covers conditions caused by complications from routine dental treatment
• Insurer requires annual dental examination/treatment

• Not covered by default
• Does cover oral tumours
Optional cover:
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• No cover for odontoclastic resorptive lesions
• Up to $1000
• 6 month waiting period
• Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Does not cover corrective treatment, cosmetic dental surgery, crowns, orthodontic treatment or root canal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option

• Not covered by default
• Does cover traumatic tooth fracture and oral tumours
Optional cover:
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• No cover for odontoclastic resorptive lesions
• Up to $1000
• 6 month waiting period
• Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Does not cover corrective treatment, cosmetic dental surgery, crowns, orthodontic treatment or root canal
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option

• Covered
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• No cover for odontoclastic resorptive lesions
• Up to $1000
• 6 month waiting period
• Treatment for dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Does not cover teeth cleaning/scaling, orthodontics, orthodontic treatment, crowns, root canal, cosmetic dental surgery or corrective treatment
• Insurer requires annual routine dental check-ups
• Some cover available under routine care option

• Not covered
• Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face

• Covered for illness
• Cover limited to abscesses, gingivitis, cavities, tooth fracture, dental disease as a result of infection and retained deciduous teeth
• Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face
• 180 day waiting period
• Treatment for retained deciduous teeth, dental disease as a result of infection and tooth fracture limited to tooth extraction
• Does not cover teeth cleaning/scaling, elective treatment, odontoclastic resorptive lesions, corrective treatment, cosmetic dental surgery, root canal, crowns or orthodontic treatment

• Not covered by default
• Included in bundle of optional extras
• Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
• Pet must be under 3 years when first taking out this option
• 14 day waiting period
• Treatment includes dental cleaning/scaling
• Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals

• Covered
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities, fractured teeth and oral tumours
• No cover for odontoclastic resorptive lesions
• Up to $2000
• 2 year waiting period
• Treatment for dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal
• Does not cover teeth cleaning/scaling, orthodontics, crowns, root canal, removal of deciduous teeth, cosmetic dental surgery or corrective treatment
• Insurer requires annual routine dental check-ups

• Not covered
• Does cover oral tumours
• Up to $2000 per condition

• Covered for injury
• Cover includes fractured tooth due to trauma
• Insurer requires annual dental examination/treatment
• Some cover available under routine care option

• Not covered
• Does cover oral tumours
• Up to $2000 per condition

• Not covered
• Does cover oral tumours
• Some cover available under routine care option

• Not covered
• Does cover oral tumours

• Not covered
• Does cover oral tumours
• Up to $2000 per condition

• Not covered
• Does cover oral tumours
• Some cover available under routine care option

• Not covered
• Does cover oral tumours

• Not covered
• Does cover oral tumours
• Some cover available under routine care option

• Covered
• Cover limited to periodontal disease, periodontitis, gingivitis, tartar, resorptive lesions and stomatitis
• Does not cover preventative dental care, scale/polish, toothbrushes, toothpastes, dental foods, chews, rinse or open/closed roof planing
• Covers conditions caused by complications from dental prophy
• Insurer requires annual dental exam/treatment

• Not covered
• Does cover oral tumours

• Not covered
• Does cover oral tumours
• Up to $1000 per condition

• Covered for illness
• Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth
• Up to $750 per condition
• 6 month waiting period
• Treatment for dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to removal of teeth
• Insurer requires annual routine dental check-ups

• Not covered
• Does cover oral tumours
• Some cover available under routine care option

• Not covered by default
• Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture
Optional cover:
• Bundled with other extras
• Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
• Up to $2000
• 6 month waiting period
• Treatment limited to polishing, scaling, tooth removal and x-rays

Ingestion of a foreign object

• Covered
• Standard waiting periods

• Covered
• Up to 2 incidents per year
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered as a specified injury
• Standard waiting periods

• Covered
• Up to 1 incident per year
• Standard waiting periods

• Covered as a specified injury
• 30 day waiting period

• Covered
• Standard waiting periods

• Covered
• 30 day waiting period

• Covered as a specified illness
• 30 day waiting period

• Covered as a specified injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to 1 incident per year
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered as a specified illness
• Standard waiting periods

• Covered as a specified injury
• Standard waiting periods

• Covered
• Up to 1 incident per year
• 21 day waiting period

• Covered
• Standard waiting periods

• Covered
• Up to 1 incident per year
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to 1 incident per year
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $2500 per claim
• Standard waiting periods

• Covered
• Up to 1 incident per year
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to 1 incident per year
• Standard waiting periods

Heart conditions

• Covered
• Standard waiting periods

• Covered
• 30 day waiting period

• Covered
• Standard waiting periods

• Covered as a specified illness
• 30 day waiting period

• Covered
• Standard waiting periods

• Covered as a specified illness
• 21 day waiting period

• Covered
• Standard waiting periods

Orthopaedic conditions

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Up to $8000
• Standard waiting periods

• Covered
• Up to $4000
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

• Not covered
• Specifically covered injuries include bone fracture

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Covered treatments for osteoarthritis include stem cell therapy
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• No cover for osteochondritis dissecans (OCD)
• Standard waiting periods

• Covered
• Up to $1500 for osteochondritis dissecans (OCD)
• Standard waiting periods

• Covered
• Up to $3000 for osteochondritis dissecans (OCD)
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $1000 for arthritis treatment
• Standard waiting periods

• Covered
• Cover of arthritis limited to investigation/diagnosis
• Does not cover treatment for arthritis
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Up to $750 for arthritis
• Up to $6000 for bone fracture and spinal disease
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Specifically covered injuries include bone fracture
• Cover limited to bone fracture
• Standard waiting periods

• Covered
• Standard waiting periods

Patella luxation

• Covered
• Standard waiting periods

• Covered as a specified illness
• 21 day waiting period

• Covered
• Standard waiting periods

• Covered
• 90 day waiting period

• Covered
• Standard waiting periods

• Covered
• 6 month waiting period

• Covered
• Standard waiting periods

• Covered
• 6 month waiting period

• Covered
• Standard waiting periods

• Covered
• Up to $1500
• Standard waiting periods

• Covered
• Up to $3000
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• 180 day waiting period

• Covered
• 6 month waiting period

• Covered
• Standard waiting periods

• Covered as a specified illness
• 21 day waiting period

• Covered
• Standard waiting periods

• Covered
• Up to $2500
• Standard waiting periods

• Covered
• Standard waiting periods

Joint conditions

• Covered
• Standard waiting periods

• Covered
• Up to $4000 for hip joint surgery/replacement (per hip)
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Cover includes joint dysplasia
• 21 day waiting period

• Covered
• Cover includes joint dysplasia, elbow dysplasia, hip dysplasia, hyperextending hocks and degenerative joint disease
• Standard waiting periods

• Covered
• Covered treatments include total hip replacement
• Up to $2000 for hip joint surgery (per hip)
• Standard waiting periods

• Covered
• Covered treatments for joint condition include total hip replacement
• Up to $6000 for hip joint surgery (per hip)
• Standard waiting periods

• Covered
• Covered treatments include total hip replacement
• Up to $8000 for hip joint surgery (per hip)
• Standard waiting periods

• Covered
• Covered treatments include total hip replacement
• Up to $4000 for hip joint surgery (per hip)
• Standard waiting periods

• Covered
• Covered treatments include hip/elbow/knee replacements
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• Standard waiting periods for other conditions

• Covered
• Standard waiting periods

• Covered
• 30 day waiting period

• Covered
• Standard waiting periods

• Covered
• Up to $4000 for hip joint surgery (per hip)
• Standard waiting periods

• Covered
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• Standard waiting periods for other conditions

• Covered
• No cover for hip dysplasia or elbow dysplasia
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $4000 for hip dysplasia
• Standard waiting periods

• Covered
• No cover for hip dysplasia
• Standard waiting periods

• Covered
• Up to $1500 for hip dysplasia and osteochondritis dissecans (OCD)
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Cover limited to traumatic ligament/tendon injury
• Covered treatments for traumatic ligament/tendon injury include total hip replacement
• Up to $6000 for hip joint surgery (per hip)
• Standard waiting periods

• Covered
• Covered treatments include total hip replacement
• Up to $6000 for hip joint surgery (per hip)
• Standard waiting periods

• Covered
• Covered treatments include total hip replacement
• Standard waiting periods

• Covered
• No cover for arthritis
• Does not cover joint replacement
• Standard waiting periods

• Covered
• 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
• Standard waiting periods for other conditions

• Covered
• Standard waiting periods

• Covered
• No cover for elbow dysplasia
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• No cover for hip dysplasia or elbow dysplasia
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Covered treatments for hip dysplasia include total hip replacement
• Up to $4000 for hip dysplasia and elbow dysplasia
• Up to $2500 for joint luxation
• Standard waiting periods

• Covered
• Up to $4000 for hip dysplasia
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Covered treatments for joint condition include total hip replacement
• Standard waiting periods

• Covered
• Up to $4000 for hip dysplasia
• Standard waiting periods

Intervertebral disc disease

• Covered
• Standard waiting periods

• Covered
• 30 day waiting period

• Covered
• Standard waiting periods

• Covered
• 6 month waiting period

• Covered
• Standard waiting periods

• Covered as a specified illness
• 30 day waiting period

• Covered
• Standard waiting periods

• Covered
• 6 month waiting period

• Covered
• Standard waiting periods

• Covered as a specified illness
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• 21 day waiting period

• Covered
• 6 month waiting period

• Covered
• Standard waiting periods

• Covered as a specified illness
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $6000
• Standard waiting periods

• Covered
• Standard waiting periods

Hereditary conditions

• Covered
• Standard waiting periods

• Covered
• Up to $2300
• 180 day waiting period

• Covered
• Up to $3800
• 180 day waiting period

• Covered
• Standard waiting periods

Pregnancy and obstetrics

Illness caused by parasites

• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and allergic reaction to flea/tick/worm control
• Up to $2000 for condition
• Standard waiting periods

• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by reasonably preventable parasites, internal parasites, worms, heartworm, external parasites, fleas or ticks
• Does not cover preventative protection for flea, tick, mites, intestinal worms or heartworm
• Insurer requires ongoing regular tick paralysis prevention
• Up to $1500 for tick paralysis
• 30 day waiting period
• Some cover available under routine care option

• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by reasonably preventable parasites, internal parasites, worms, heartworm, external parasites, fleas or ticks
• Does not cover preventative protection for flea, tick, mites, intestinal worms or heartworm
• Insurer requires ongoing regular tick paralysis prevention
• Up to $3000 for tick paralysis
• 30 day waiting period
• Some cover available under routine care option

• Covered
• Cover includes tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1000 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Cover includes tick paralysis
• No cover for external parasites, ticks, fleas, skin mites or ear mites
• Up to $1500 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Up to $4000 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Cover includes tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, ectoparasites, ticks, fleas or skin mites
• Does not cover preventative flea/tick/worm control
• Insurer requires regular preventative treatment for fleas, heartworm, worms and ticks
• Up to $3500 for tick paralysis
• 21 day waiting period

• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, ectoparasites, ticks, fleas or skin mites
• Does not cover preventative flea/tick/worm control
• Insurer requires regular preventative treatment for fleas, heartworm and worms and ticks
• Up to $3500 for tick paralysis
• 21 day waiting period
• Some cover available under routine care option

• Covered
• Cover includes tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas or skin/ear mites
• Up to $1500 for tick paralysis
• Standard waiting periods

• Covered
• No cover for conditions caused by external parasites, ticks, fleas or skin/ear mites
• Up to $2000 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Cover includes tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas or skin/ear mites
• Up to $3000 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Cover includes tick paralysis
• No cover for conditions caused by external parasites, ticks, fleas or skin/ear mites
• Up to $1500 for tick paralysis
• Standard waiting periods

• Covered
• Insurer requires you to use parasite prevention products, in line with manufacturer's instructions
• Standard waiting periods

• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $2000 for tick paralysis
• Standard waiting periods

• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1000 for tick paralysis
• Standard waiting periods

• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1200 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $2000 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $2000 for tick paralysis
• Standard waiting periods

• Covered
• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites
• Up to $1500 for tick paralysis
• Standard waiting periods

• Covered
• Covers conditions caused by reaction to flea/tick/worm control
• Up to $1000 for tick paralysis
• Standard waiting periods

• Covered
• Covers conditions caused by reaction to flea/tick/worm control
• Up to $1200 for tick paralysis
• Standard waiting periods
• Some cover available under routine care

• Covered
• Does not cover parasite prevention
• Standard waiting periods

• Covered
• No cover for conditions caused by ticks, fleas, skin/ear mites or intestinal worms
• Up to $1200 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Not covered
• Some cover available under routine care option

• Covered
• Specifically covered illnesses include tick paralysis
• No cover for conditions caused by ticks, fleas, skin/ear mites or intestinal worms
• Up to $1200 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Cover includes tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Up to $4000 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Does not cover parasite prevention
• Standard waiting periods

• Covered
• No cover for external parasites, ticks, fleas or skin/ear mites
• No cover for conditions caused by reactions to flea/tick/worm control products
• Does not cover flea/tick/worm preventative treatment/measures
• Standard waiting periods

• Covered
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Does not cover internal/external parasite prevention/eradication, heart worm prevention medication, tick treatment or flea treatment
• Standard waiting periods

• Covered
• Does not cover internal/external parasite prevention/eradication, heart worm prevention medication, flea treatment or tick treatment
• Insurer requires vaccination for ticks
• Up to $2000 for tick paralysis (first claim)
• Up to $1000 for tick paralysis (subsequent claim)
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Cover includes tick paralysis
• Insurer requires dogs to be vaccinated against ticks
• Does not cover internal/external parasite prevention/eradication, heart worm prevention medication, flea treatment or tick treatment
• Standard waiting periods

• Covered
• Cover limited to tick paralysis
• No cover for internal/external parasite prevention or treatment
• Insurer requires pet to be vaccinated against ticks
• Standard waiting periods

• Not covered
• Some cover available under routine care option

• Covered
• Specifically covered illnesses include tick paralysis
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and reaction to flea/tick/worm control
• Does not cover flea/tick/worm preventative treatments or measures, intestinal worming products, tick baths or sprays
• Up to $2000 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and reaction to flea/tick/worm control
• Does not cover flea/tick/worm preventative treatments or measures, intestinal worming products, tick baths or sprays
• Up to $3000 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and reaction to flea/tick/worm control
• Does not cover flea/tick/worm preventative treatments or measures, intestinal worming products, tick baths or sprays
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Cover limited to tick paralysis
• Insurer requires up to date preventative treatments
• No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used
• Standard waiting periods

• Covered
• Does not cover parasite prevention
• Standard waiting periods

• Covered
• Covers conditions caused by allergic reaction to flea/tick/worm control
• Up to $1000 for tick paralysis
• Standard waiting periods

• Covered
• Covers conditions caused by allergic reaction to flea/tick/worm control
• Up to $1200 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Covers conditions caused by allergic reaction to flea/tick/worm control
• Up to $2000 for tick paralysis
• Standard waiting periods

• Covered
• Cover limited to tick paralysis
• No cover for conditions caused by endoparasites, worms, heartworm, lungworm, toxoplasma, giardia, coccidia, ectoparasites, fleas, ticks or mites
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
• Up to $2000 for condition
• Standard waiting periods

• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
• Up to $1200 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites and ear mites
• Up to $1000 for tick paralysis
• Standard waiting periods

• Covered
• Covers conditions caused by allergic reaction to flea/tick/worm control
• Up to $2000 for condition
• Standard waiting periods

• Covered
• Covers conditions caused by allergic reaction to flea/tick/worm control
• Up to $1000 for tick paralysis
• Standard waiting periods

• Covered
• Covers conditions caused by allergic reaction to flea/tick/worm control
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Cover includes tick paralysis
• Does not cover controlling internal or external parasites
• Standard waiting periods

• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and allergic reaction to flea/tick/worm control
• Up to $1000 for tick paralysis
• Standard waiting periods

• Covered
• No cover for conditions caused by reactions to flea/tick/worm control products
• Does not cover flea/tick/worm preventative treatment/measures
• Up to $1500 for tick paralysis
• Standard waiting periods

• Covered
• Cover includes tick paralysis
• Does not cover internal/external parasite prevention/eradication, heart worm prevention medication, tick treatment or flea treatment
• Insurer requires vaccination for ticks
• Up to $2000 for tick paralysis (first claim)
• Up to $1000 for tick paralysis (subsequent claim)
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Covers conditions caused by external parasites, ticks, fleas, skin mites, ear mites and allergic reaction to flea/tick/worm control
• Up to $1200 for tick paralysis
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
• No cover for conditions caused by flea/mite infestations
• Standard waiting periods
• Some cover available under routine care option

• Covered
• Does not cover internal/external parasite prevention/eradication, heart worm prevention medication, tick treatment or flea treatment
• Insurer requires vaccination for ticks
• Up to $2000 for tick paralysis (first claim)
• Up to $1000 for tick paralysis (subsequent claim)
• Standard waiting periods
• Some cover available under routine care option

Skin conditions

• Covered
• Standard waiting periods

• Covered
• Up to $500
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $500
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $500
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• No cover for mange
• No cover for conditions caused by products used to maintain the cleanliness of pet or products for treatment of ectoparasites
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $1000 for chronic conditions
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $750
• Up to $750 for grass seed foreign body
• Standard waiting periods

• Covered
• Up to $500
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• Up to $500
• Standard waiting periods

Snakebite

• Covered as a specified injury
• Standard waiting periods

• Covered
• Up to $1500
• Covers snake bite and strangling by snake
• 2 day waiting period

• Covered
• Up to $1000
• Covers snake bite and strangling by snake
• 2 day waiting period

• Covered
• Up to $3000
• Covers snake bite and strangling by snake
• 2 day waiting period

• Covered as a specified injury
• Standard waiting periods

• Covered as a specified injury
• Covers snake bite toxicity
• Standard waiting periods

• Covered
• No waiting period

Covered as a specified injury

• Covered
• Standard waiting periods

• Covered as a specified injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered as a specified injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered as a specified injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered as a specified injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered as a specified injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered as a specified injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered
• No waiting period

• Covered as a specified injury
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered as a specified injury
• Up to $2500
• Standard waiting periods

• Covered
• Standard waiting periods

• Covered as a specified injury
• Standard waiting periods

• Covered
• Standard waiting periods

Vaccinatable Conditions

• Covered
• Insurer requires up to date vaccination for canine distemper, canine parvovirus, canine kennel cough, canine hepatitis, canine adenovirus, feline herpes virus, feline calicivirus, feline enteritis and feline parvovirus and infections vet has recommended vaccination for
• Vaccine benefit available under routine care option

• Covered
• Vaccine benefit available under routine care option

• Covered
• Insurer requires regular vaccination for Feline infectious enteritis, feline leukaemia, cat flu, distemper, hepatitis, parvovirus, kennel cough and leptospirosis and any other vaccination recommended to you by a vet
• Vaccine benefit available under routine care option

• Covered
• Vaccine benefit available under routine care option

• Covered
• Insurer requires up to date vet-recommended vaccinations or valid anitbody test for the disease
• Does not cover vaccinations

• Covered
• Vaccine benefit available under routine care option

• Covered
• Vaccine benefit available under routine care

• Covered
• Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis

• Not covered
• Vaccine benefit available under routine care option

• Covered
• Vaccine benefit available under routine care option

• Covered
• Insurer requires vaccination for distemper, hepatitis, parvovirus, kennel cough, leptospirosis, ticks, Feline infectious enteritis, feline leukaemia and cat flu and any other vaccination recommended by vet

• Not covered
• Vaccine benefit available under routine care option

• Covered
• Vaccine benefit available under routine care option

• Covered
• Insurer requires current vaccination for parvovirus, canine distemper, Canine infectious hepatitis, kennel cough, leptospirosis, Feline Viral rhinotracheitis, feline calicivirus, feline panleukopenia and cat flu, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), feline chlamydiosis and Feline peritonitis (FIP) and disease for which vaccination is recommended by vet/Australian government

• Covered
• Vaccine benefit available under routine care option

• Covered
• Insurer requires regular vaccination for herpesvirus, calicivirus, panleukopenia, chlamydophila, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), distemper, adenovirus (infectious canine hepatitis), parvovirus and parainfluenza and kennel cough
• Vaccine benefit available under routine care option

• Covered
• Vaccine benefit available under routine care option

• Covered
• Vaccination required for illnesses you have vaccinated your pet for on the recommendation of your vet

• Covered
• Insurer requires vaccination for infectious canine hepatitis (canine adenovirus), parvovirus, canine distemper:parainfluenza, kennel cough, feline panleukopaenia, feline calicivirus and feline herpes virus and cat flu

• Covered
• Vaccine benefit available under routine care option

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