Knose Pet Insurance

Knose Pet Insurance

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Description

Insurer
Knose
Policy
Pet Insurance
Underwriter
Pacific International Insurance Pty Limited
Policy type
Comprehensive injury and illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
6 weeks
Maximum age for new cover
8 years
Maximum benefit per year
Choose from $7500, $12500 or $25000
Benefit paid per claim
Choose from 70%, 80% or 90% vet bill covered

Excesses

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

Covered events

Injury
u0026#149; Comprehensive coveru003cbru003eu0026#149; 1 day waiting period
Illness
u0026#149; Comprehensive coveru003cbru003eu0026#149; 14 day waiting period
Vet consults
1
Emergency treatment
1
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 3–24 months (depending on condition)

Additional benefits

Routine care
Pet care plans sold separately
Alternative therapies
Optional
Lost animal
Necessary euthanasia
1
Telehealth vet service
u0026#149; Call or online chat with a registered vet nurseu003cbru003eu0026#149; Available 24/7
Legal liability

Conditions

Allergic reaction
1
Brachycephalic Airway Obstruction Syndrome
u0026#149; Optionalu003cbru003eu0026#149; Insurer requires you to apply for coveru003cbru003eu0026#149; No waiting period
Behavioural conditions
u0026#149; Optionalu003cbru003eu0026#149; Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disordersu003cbru003eu0026#149; 6 month waiting period
Cancer
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Cruciate ligament conditions
u0026#149; Coveredu003cbru003eu0026#149; 6 month waiting period
Ear conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Eye conditions
u0026#149; Coveredu003cbru003eu0026#149; 6 month waiting period for cherry eye, entropion and ectropionu003cbru003eu0026#149; Standard waiting periods for other conditions
Dental and oral health conditions
u0026#149; Optionalu003cbru003eu0026#149; Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growthsu003cbru003eu0026#149; 14 day waiting period (pets under 1 year)u003cbru003eu0026#149; 6 month waiting period (pets over 1 year)u003cbru003eu0026#149; Treatment includes dental cleaning/scalingu003cbru003eu0026#149; 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
Ingestion of a foreign object
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Heart conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Orthopaedic conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Patella luxation
u0026#149; Coveredu003cbru003eu0026#149; 6 month waiting period
Joint conditions
u0026#149; Coveredu003cbru003eu0026#149; 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)u003cbru003eu0026#149; Standard waiting periods for other conditions
Intervertebral disc disease
u0026#149; Coveredu003cbru003eu0026#149; 6 month waiting period
Hereditary conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
u0026#149; Coveredu003cbru003eu0026#149; Does not cover parasite preventionu003cbru003eu0026#149; Standard waiting periods
Skin conditions
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Snakebite
u0026#149; Coveredu003cbru003eu0026#149; Standard waiting periods
Vaccinatable Conditions
u0026#149; Coveredu003cbru003eu0026#149; 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