Dog & Puppy Insurance from Petcover Australia (2024)

Table of Contents
Compare these plans to find the best level of cover for your dog Superior B O Mid-point B O Entry B O B o Death from illness or injury Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness. Included up to €2.000 Up to €1.500 Up to €1.500 Loss by theft or straying Cover for the price you paid for your pet (or the market value) if your pet is stolen or goes missing. Included up to €2.000 Up to €1.500 Up to €1.500 Death from illness or injury Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness. Included up to €2.000 Up to €1.500 Up to €1.500 Loss by theft or straying Cover for the price you paid for your pet (or the market value) if your pet is stolen or goes missing. Included up to €2.000 Up to €1.500 Up to €1.500 Key B O Vital B O Core B O B o Day to day care (no excess applicable) The maximum amount that can be claimed for one of the mentioned benefits. €50 Annual benefit for only one (1) of the following:Sterilisation/castrationMicrochippingDewormingBehavioural therapyTeeth cleaningAlternative therapiesPrescription dietsDog training at a recognised training centreAnnual Benefit for all of the following:Vaccinations or health check – €30Worm test or blood screen – €10FeLv/FIV test or urinalysis – €10Flea & tick control – €45 €50 Annual benefit for only one (1) of the following:Sterilisation/castrationMicrochippingDewormingBehavioural therapyTeeth cleaningAlternative therapiesPrescription dietsDog training at a recognised training centreAnnual Benefit for all of the following:Vaccinations or health check – €30Worm test or blood screen – €10FeLv/FIV test or urinalysis – €10Flea & tick control – €45 €50 Annual benefit for only one (1) of the following:Sterilisation/castrationMicrochippingDewormingBehavioural therapyTeeth cleaningAlternative therapiesPrescription dietsDog training at a recognised training centreAnnual Benefit for all of the following:Vaccinations or health check – €30Worm test or blood screen – €10FeLv/FIV test or urinalysis – €10Flea & tick control – €45 Day to day care (no excess applicable) The maximum amount that can be claimed for one of the mentioned benefits. €50 Annual benefit for only one (1) of the following:Sterilisation/castrationMicrochippingDewormingBehavioural therapyTeeth cleaningAlternative therapiesPrescription dietsDog training at a recognised training centreAnnual Benefit for all of the following:Vaccinations or health check – €30Worm test or blood screen – €10FeLv/FIV test or urinalysis – €10Flea & tick control – €45 €50 Annual benefit for only one (1) of the following:Sterilisation/castrationMicrochippingDewormingBehavioural therapyTeeth cleaningAlternative therapiesPrescription dietsDog training at a recognised training centreAnnual Benefit for all of the following:Vaccinations or health check – €30Worm test or blood screen – €10FeLv/FIV test or urinalysis – €10Flea & tick control – €45 €50 Annual benefit for only one (1) of the following:Sterilisation/castrationMicrochippingDewormingBehavioural therapyTeeth cleaningAlternative therapiesPrescription dietsDog training at a recognised training centreAnnual Benefit for all of the following:Vaccinations or health check – €30Worm test or blood screen – €10FeLv/FIV test or urinalysis – €10Flea & tick control – €45 Catastrophe 2 B O Catastrophe 1 B O Economy B O B o Death from illness or injury Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness. Up to €1.000 Death from illness or injury Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness. Up to €1.000 Get a dog insurance quote today Dog insurance policy information Related news Summer BBQ pet safety Safe exercise for dogs 6 fruits dogs can eat Making a claim References
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Dog & Puppy Insurance from Petcover Australia (6)

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Home / Dog insurance

Whether you’ve got an active puppy, an obedient dog or a calmer older dog, we've got you covered with a range of policy options packed with added benefits to suit.

Get a quote

Compare these plans to find the best level of cover for your dog

Insurance plans that are designed for the unexpected, making the care your dog deserves affordable.

We give pet parents peace of mind by taking the financial worry out of having a puppy or dog.

We use our expert Pet knowledge to work with our insurers to offer Germany’s best range of insurance policies for your Dog.

You can choose from three levels of cover: Superior, Mid-range and Safety-net. Each cover offers different benefits and levels of cover.
Our comparison table below outlines the key differences between the plans to help you choose the option right for you and your pet.

Superior – The most comprehensive insurance rate with the lowest deductible.These rates give you peace of mind knowing that your pet will be safely cared for through life’s unexpected events.

Superior

B

  • Lifetime cover

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

  • Veterinary fees

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

    Up to €12.000

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to €2.000

    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Fixed excess

    Is the amount you will be required to pay for each non-related claim. An additional age excess applies for dogs eight years and over.

    €90
    €90 + 20% (8+ years)
    €90 + 35% (10+ years)

  • Fixed excess (select breeds)

    Is the amount you are required to pay for each non-related claim. An additional age excess applies for dogs four years and over. The full list of 'select breeds' can be found on our FAQs page.

    €150
    €150 + 20% (4+ years)
    €150 + 35% (7+ years)

  • Benefit percentage

    Percentage of eligible veterinary fees/bills covered.

    Up to 100%

  • Waiting periods

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

    Injury: No waiting period
    Brachycephalic
    Airway Obstruction: 365 days
    Illness: 14 days

  • Boarding fees

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

    Up to €1.500

  • Advertising and reward

    Cover the cost of advertising, and the reward you have offered and paid to get your pet back, if your pet is stolen or goes missing.

    Up to €2.000

  • Holiday cancellation

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

    Up to €1.500

  • Denied re-entry and loss of documents

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

    Up to €1.500

  • Emergency repatriation

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

    Up to €500

O

  • Death from illness or injury

    Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

    Included up to €2.000

  • Loss by theft or straying

    Cover for the price you paid for your pet (or the market value) if your pet is stolen or goes missing.

    Included up to €2.000

Mid-point

B

  • Lifetime cover

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

  • Veterinary fees

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

    Up to €9.000

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to €1.500

    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Fixed excess

    Is the amount you will be required to pay for each non-related claim. An additional age excess applies for dogs eight years and over.

    €90
    €90 + 20% (8+ years)
    €90 + 35% (10+ years)

  • Fixed excess (select breeds)

    Is the amount you are required to pay for each non-related claim. An additional age excess applies for dogs four years and over. The full list of 'select breeds' can be found on our FAQs page.

    €150
    €150 + 20% (4+ years)
    €150 + 35% (7+ years)

  • Benefit percentage

    Percentage of eligible veterinary fees/bills covered.

    Up to 100%

  • Waiting periods

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

    Injury:No waiting period
    Brachycephalic
    Airway Obstruction: 365 Days
    Illness:14 Days

  • Boarding fees

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

    Up to €1.250

  • Advertising and reward

    Cover the cost of advertising, and the reward you have offered and paid to get your pet back, if your pet is stolen or goes missing.

    Up to €1.500

  • Holiday cancellation

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

    Up to €1.250

  • Denied re-entry and loss of documents

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

    Up to €1.250

  • Emergency repatriation

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

    Up to €400

O

  • Death from illness or injury

    Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

    Up to €1.500

  • Loss by theft or straying

    Cover for the price you paid for your pet (or the market value) if your pet is stolen or goes missing.

    Up to €1.500

Entry

B

  • Lifetime cover

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

  • Veterinary fees

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

    Up to €6.000

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

    Up to €1.000

    (Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

  • Fixed excess

    Is the amount you will be required to pay for each non-related claim. An additional age excess applies for dogs eight years and over.

    €90
    €90+ 20% (8 years+)
    €90 + 35% (10 years+)

  • Fixed excess (select breeds)

    Is the amount you are required to pay for each non-related claim. An additional age excess applies for dogs four years and over. The full list of 'select breeds' can be found on our FAQs page.

    €150
    €150 + 20% (4 years+)
    €150 + 35% (7 years+)

  • Benefit percentage

    Percentage of eligible veterinary fees/bills covered.

    Up to 100%

  • Waiting periods

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

    Injury:No waiting period
    Brachycephalic
    Airway Obstruction: 365 Days
    Illness:14 Days

  • Boarding fees

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

    Up to €1.000

  • Advertising and reward

    Cover the cost of advertising, and the reward you have offered and paid to get your pet back, if your pet is stolen or goes missing.

    Up to €1.000

  • Holiday cancellation

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

    Up to €1.000

  • Denied re-entry and loss of documents

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

    Up to €1.000

  • Emergency repatriation

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

    Up to €300

O

  • Death from illness or injury

    Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

    Up to €1.500

  • Loss by theft or straying

    Cover for the price you paid for your pet (or the market value) if your pet is stolen or goes missing.

    Up to €1.500

B

Superior

Mid-point

Entry

Lifetime cover

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

Veterinary fees

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

Up to €12.000

(As shown in the Certificate of Insurance.)

Up to €9.000

(As shown in the Certificate of Insurance.)

Up to €6.000

(As shown in the Certificate of Insurance.)

Alternative and complementary treatment

The cost of any examination, consultation, advice, tests and prescribed medication that your vet has recommend. Such as acupuncture, chiropractic manipulation, hydrotherapy and osteopathy.

Up to €2.000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to €1.500

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Up to €1.000

(Any amounts paid under this benefit are part of the Policy Aggregate of Veterinary Fees as shown above.)

Fixed excess

Is the amount you will be required to pay for each non-related claim. An additional age excess applies for dogs eight years and over.

€90
€90 + 20% (8+ years)
€90 + 35% (10+ years)

€90
€90 + 20% (8+ years)
€90 + 35% (10+ years)

€90
€90+ 20% (8 years+)
€90 + 35% (10 years+)

Fixed excess (select breeds)

Is the amount you are required to pay for each non-related claim. An additional age excess applies for dogs four years and over. The full list of 'select breeds' can be found on our FAQs page.

€150
€150 + 20% (4+ years)
€150 + 35% (7+ years)

€150
€150 + 20% (4+ years)
€150 + 35% (7+ years)

€150
€150 + 20% (4 years+)
€150 + 35% (7 years+)

Waiting periods

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

Injury: No waiting period
Brachycephalic
Airway Obstruction: 365 days
Illness: 14 days

Injury:No waiting period
Brachycephalic
Airway Obstruction: 365 Days
Illness:14 Days

Injury:No waiting period
Brachycephalic
Airway Obstruction: 365 Days
Illness:14 Days

Boarding fees

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

Up to €1.500

Up to €1.250

Up to €1.000

Advertising and reward

Cover the cost of advertising, and the reward you have offered and paid to get your pet back, if your pet is stolen or goes missing.

Up to €2.000

Up to €1.500

Up to €1.000

Holiday cancellation

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

Up to €1.500

Up to €1.250

Up to €1.000

Denied re-entry and loss of documents

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

Up to €1.500

Up to €1.250

Up to €1.000

Emergency repatriation

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

Up to €500

Up to €400

Up to €300

o

Death from illness or injury

Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

Included up to €2.000

Up to €1.500

Up to €1.500

Loss by theft or straying

Cover for the price you paid for your pet (or the market value) if your pet is stolen or goes missing.

Included up to €2.000

Up to €1.500

Up to €1.500

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

Key

B

  • Lifetime cover

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

  • Veterinary fees

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

    Up to €12.000

    Annual benefit limit

    (As shown in the Certificate of Insurance.)

  • Fixed excess

    Is the amount you will be required to pay for each non-related claim.

    €0 or €60 or €120

  • Benefit percentage

    Percentage of eligible veterinary fees/bills covered.

    Choice of up to
    70%or80%or90%

  • Waiting periods

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

    Injury:No waiting period
    Illness: 28 days
    Cruciate ligament disease:180 days
    Brachycephalic
    Airway Obstruction: 365 days

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €5.000

  • Vet consultations

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €500

  • Tick diseases

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    1st claim up to €1.000
    Subsequent claimsup to €500

  • Cancer treatment

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €5.000

  • Hip dysplasia

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €5.000

  • Skin conditions

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €500

  • Boarding fees

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

    Up to €1.500

  • Saying goodbye

    Cover for the cost of veterinary consultations/visits or prescribed medications needed to carry out the procedure of putting your pet to sleep and cremation, burial or disposal costs if your pet dies or is put to sleep.

    Up to €250

O

  • Day to day care (no excess applicable)

    The maximum amount that can be claimed for one of the mentioned benefits.

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

    Sterilisation/castration
    Microchipping
    Deworming
    Behavioural therapy
    Teeth cleaning
    Alternative therapies
    Prescription diets
    Dog training at a recognised training centre

    Annual Benefit for all of the following:

    Vaccinations or health check – €30
    Worm test or blood screen – €10
    FeLv/FIV test or urinalysis – €10
    Flea & tick control – €45

Vital

B

  • Lifetime cover

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

  • Veterinary fees

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

    Up to €9.000

  • Fixed excess

    Is the amount you will be required to pay for each non-related claim.

    €0or€60or€120

  • Benefit percentage

    Percentage of eligible veterinary fees/bills covered.

    Choice of up to
    70%or80%or90%

  • Waiting periods

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

    Injury:No waiting period
    Illness:28 days
    Cruciate ligament disease:180 days
    Brachycephalic
    Airway Obstruction: 365 days

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €3.000

  • Vet consultations

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €400

  • Tick diseases

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    1st claim up to €1.000
    Subsequent claimsup to €500

  • Cancer treatment

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €3.000

  • Hip dysplasia

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €3.000

  • Skin conditions

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €400

  • Boarding fees

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

    Up to €1.250

  • Saying goodbye

    Cover for the cost of veterinary consultations/visits or prescribed medications needed to carry out the procedure of putting your pet to sleep and cremation, burial or disposal costs if your pet dies or is put to sleep.

    Up to €200

O

  • Day to day care (no excess applicable)

    The maximum amount that can be claimed for one of the mentioned benefits.

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

    Sterilisation/castration
    Microchipping
    Deworming
    Behavioural therapy
    Teeth cleaning
    Alternative therapies
    Prescription diets
    Dog training at a recognised training centre

    Annual Benefit for all of the following:

    Vaccinations or health check – €30
    Worm test or blood screen – €10
    FeLv/FIV test or urinalysis – €10
    Flea & tick control – €45

Core

B

  • Lifetime cover

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

  • Veterinary fees

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

    Up to €6.000

    Annual benefit limit

    (As shown in the Certificate of Insurance.)

  • Fixed excess

    Is the amount you will be required to pay for each non-related claim.

    €0or€60or€120

  • Benefit percentage

    Percentage of eligible veterinary fees/bills covered.

    Choice of up to
    70%or80%or90%

  • Waiting periods

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

    Injury:No waiting period
    Illness:28 days
    Cruciate ligament disease:180 days
    Brachycephalic
    Airway Obstruction: 365 days

  • Cruciate ligament benefit

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €2.000

  • Vet consultations

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €300

  • Tick diseases

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    1st claim up to €1.000
    Subsequent claimsup to €500

  • Cancer treatment

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €2.000

  • Hip dysplasia

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €2.000

  • Skin conditions

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €300

  • Boarding fees

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

    Up to €1.000

  • Saying goodbye

    Cover for the cost of veterinary consultations/visits or prescribed medications needed to carry out the procedure of putting your pet to sleep and cremation, burial or disposal costs if your pet dies or is put to sleep.

    Up to €150

O

  • Day to day care (no excess applicable)

    The maximum amount that can be claimed for one of the mentioned benefits.

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

    Sterilisation/castration
    Microchipping
    Deworming
    Behavioural therapy
    Teeth cleaning
    Alternative therapies
    Prescription diets
    Dog training at a recognised training centre

    Annual Benefit for all of the following:

    Vaccinations or health check – €30
    Worm test or blood screen – €10
    FeLv/FIV test or urinalysis – €10
    Flea & tick control – €45

B

Key

Vital

Core

Lifetime cover

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

Veterinary fees

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

Up to €12.000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to €9.000

Up to €6.000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Fixed excess

Is the amount you will be required to pay for each non-related claim.

€0 or €60 or €120

€0or€60or€120

€0or€60or€120

Benefit percentage

Percentage of eligible veterinary fees/bills covered.

Choice of up to
70%or80%or90%

Choice of up to
70%or80%or90%

Choice of up to
70%or80%or90%

Waiting periods

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

Injury:No waiting period
Illness: 28 days
Cruciate ligament disease:180 days
Brachycephalic
Airway Obstruction: 365 days

Injury:No waiting period
Illness:28 days
Cruciate ligament disease:180 days
Brachycephalic
Airway Obstruction: 365 days

Injury:No waiting period
Illness:28 days
Cruciate ligament disease:180 days
Brachycephalic
Airway Obstruction: 365 days

Cruciate ligament benefit

The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

Up to €5.000

Up to €3.000

Up to €2.000

Vet consultations

The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

Up to €500

Up to €400

Up to €300

Tick diseases

The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

1st claim up to €1.000
Subsequent claimsup to €500

1st claim up to €1.000
Subsequent claimsup to €500

1st claim up to €1.000
Subsequent claimsup to €500

Cancer treatment

The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

Up to €5.000

Up to €3.000

Up to €2.000

Hip dysplasia

The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

Up to €5.000

Up to €3.000

Up to €2.000

Skin conditions

The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

Up to €500

Up to €400

Up to €300

Boarding fees

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

Up to €1.500

Up to €1.250

Up to €1.000

Saying goodbye

Cover for the cost of veterinary consultations/visits or prescribed medications needed to carry out the procedure of putting your pet to sleep and cremation, burial or disposal costs if your pet dies or is put to sleep.

Up to €250

Up to €200

Up to €150

o

Day to day care (no excess applicable)

The maximum amount that can be claimed for one of the mentioned benefits.

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

Sterilisation/castration
Microchipping
Deworming
Behavioural therapy
Teeth cleaning
Alternative therapies
Prescription diets
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – €30
Worm test or blood screen – €10
FeLv/FIV test or urinalysis – €10
Flea & tick control – €45

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

Sterilisation/castration
Microchipping
Deworming
Behavioural therapy
Teeth cleaning
Alternative therapies
Prescription diets
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – €30
Worm test or blood screen – €10
FeLv/FIV test or urinalysis – €10
Flea & tick control – €45

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

Sterilisation/castration
Microchipping
Deworming
Behavioural therapy
Teeth cleaning
Alternative therapies
Prescription diets
Dog training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – €30
Worm test or blood screen – €10
FeLv/FIV test or urinalysis – €10
Flea & tick control – €45

Safety-net – Accidents or illness can happen at any time, the Catastrophe and Economy policies provide cover for your dog when emergency treatment is needed.

Catastrophe 2

B

  • Lifetime cover

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

  • Veterinary fees

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

    Up to €6.000
    Annual benefit limit

    (As shown in the Certificate of Insurance.)

  • Alternative and complementary treatment

    Cover for the cost of any examination, consultation, advice, test and prescribed medication for acupuncture, chiropractic manipulation, hydrotherapy, osteopathy, and the link, which your vet recommends or carries out. Annual sub limit per policy year within the veterinary fee cover.

  • Fixed excess

    The amount you will be required to pay for each non-related claim. An additional age excess applies for dogs eight years and over on our Economy plan.

    €450 or €900

  • Fixed excess (select breeds)

    The amount you will be required to pay for each non-related claim. The full list of 'select breeds' can be found on our FAQs page.

  • Benefit percentage

    Percentage of eligible veterinary fees/bills covered.

    Up to 100%

  • Waiting periods

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

    Injury:No waiting period
    Illness:28 Days
    Cruciate Ligament Disease:180 Days
    Brachycephalic
    Airway Obstruction: 365 Days

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit

    The maximum benefit you can claim for on these conditions. Annual sub limit per policy year within the veterinary fee cover.

    Up to €3.000

  • Boarding fees

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

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing.

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

  • Holiday cancellation

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

  • Denied re-entry and loss of documents

    Cover for the costs associated with your pet being in a boarding kennel, getting duplicate import documents and/or extra costs to travel home, if the delay in getting duplicate importation documents has caused you to miss your scheduled travel arrangements back home.

  • Emergency repatriation

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

  • Vet consultations

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €400

  • Cancer treatment

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €3.000

  • Skin conditions

    The maximum benefit you an claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €400

O

  • Death from illness or injury

    Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

Catastrophe 1

B

  • Lifetime cover

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

  • Veterinary fees

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

    Up to €3.000

    Annual benefit limit

    (As shown in theCertificate of Insurance.)

  • Alternative and complementary treatment

    Cover for the cost of any examination, consultation, advice, test and prescribed medication for acupuncture, chiropractic manipulation, hydrotherapy, osteopathy, and the link, which your vet recommends or carries out. Annual sub limit per policy year within the veterinary fee cover.

  • Fixed excess

    The amount you will be required to pay for each non-related claim. An additional age excess applies for dogs eight years and over on our Economy plan.

    €450 or €900

  • Fixed excess (select breeds)

    The amount you will be required to pay for each non-related claim. The full list of 'select breeds' can be found on our FAQs page.

  • Benefit percentage

    Percentage of eligible veterinary fees/bills covered.

    Up to 100%

  • Waiting periods

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

    Injury:No waiting period
    Illness:28 days
    Cruciate ligament disease:180 days
    Brachycephalic
    Airway Obstruction: 365 days

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit

    The maximum benefit you can claim for on these conditions. Annual sub limit per policy year within the veterinary fee cover.

    Up to €2.000

  • Boarding fees

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

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing.

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

  • Holiday cancellation

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

  • Denied re-entry and loss of documents

    Cover for the costs associated with your pet being in a boarding kennel, getting duplicate import documents and/or extra costs to travel home, if the delay in getting duplicate importation documents has caused you to miss your scheduled travel arrangements back home.

  • Emergency repatriation

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

  • Vet consultations

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to€300

  • Cancer treatment

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to €2.000

  • Skin conditions

    The maximum benefit you an claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

    Up to€300

O

  • Death from illness or injury

    Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

Economy

B

  • Lifetime cover

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

  • Veterinary fees

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

    Up to €4.000

    Annual benefit limit

    (As shown in theCertificate of Insurance.)

  • Alternative and complementary treatment

    Cover for the cost of any examination, consultation, advice, test and prescribed medication for acupuncture, chiropractic manipulation, hydrotherapy, osteopathy, and the link, which your vet recommends or carries out. Annual sub limit per policy year within the veterinary fee cover.

    Up to €1.000

  • Fixed excess

    The amount you will be required to pay for each non-related claim. An additional age excess applies for dogs eight years and over on our Economy plan.

    €90
    €90+ 20% (8 years+)
    €90 + 35% (10 years+)

  • Fixed excess (select breeds)

    The amount you will be required to pay for each non-related claim. The full list of 'select breeds' can be found on our FAQs page.

    €150
    €150 + 20% (4+ years)
    €150 + 35% (7+ years)

  • Benefit percentage

    Percentage of eligible veterinary fees/bills covered.

    Up to 100%

  • Waiting periods

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

    Injury:No waiting period
    Illness: 14 days
    Brachycephalic
    Airway Obstruction:365 Days

  • Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit

    The maximum benefit you can claim for on these conditions. Annual sub limit per policy year within the veterinary fee cover.

  • Boarding fees

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

    Up to €1.000

  • Advertising and reward

    Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing.

    Up to €1.000

  • Loss by theft or straying

    Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

    Up to €1.000

  • Holiday cancellation

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

    Up to €1.000

  • Denied re-entry and loss of documents

    Cover for the costs associated with your pet being in a boarding kennel, getting duplicate import documents and/or extra costs to travel home, if the delay in getting duplicate importation documents has caused you to miss your scheduled travel arrangements back home.

    Up to €1.000

  • Emergency repatriation

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

    Up to€300

  • Vet consultations

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

  • Cancer treatment

    The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

  • Skin conditions

    The maximum benefit you an claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

O

  • Death from illness or injury

    Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

    Up to €1.000

B

Catastrophe 2

Catastrophe 1

Economy

Lifetime cover

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

Veterinary fees

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

Up to €6.000
Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to €3.000

Annual benefit limit

(As shown in theCertificate of Insurance.)

Up to €4.000

Annual benefit limit

(As shown in theCertificate of Insurance.)

Alternative and complementary treatment

Cover for the cost of any examination, consultation, advice, test and prescribed medication for acupuncture, chiropractic manipulation, hydrotherapy, osteopathy, and the link, which your vet recommends or carries out. Annual sub limit per policy year within the veterinary fee cover.

Up to €1.000

Fixed excess

The amount you will be required to pay for each non-related claim. An additional age excess applies for dogs eight years and over on our Economy plan.

€450 or €900

€450 or €900

€90
€90+ 20% (8 years+)
€90 + 35% (10 years+)

Fixed excess (select breeds)

The amount you will be required to pay for each non-related claim. The full list of 'select breeds' can be found on our FAQs page.

€150
€150 + 20% (4+ years)
€150 + 35% (7+ years)

Benefit percentage

Percentage of eligible veterinary fees/bills covered.

Up to 100%

Up to 100%

Up to 100%

Waiting periods

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

Injury:No waiting period
Illness:28 Days
Cruciate Ligament Disease:180 Days
Brachycephalic
Airway Obstruction: 365 Days

Injury:No waiting period
Illness:28 days
Cruciate ligament disease:180 days
Brachycephalic
Airway Obstruction: 365 days

Injury:No waiting period
Illness: 14 days
Brachycephalic
Airway Obstruction:365 Days

Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit

The maximum benefit you can claim for on these conditions. Annual sub limit per policy year within the veterinary fee cover.

Up to €3.000

Up to €2.000

Boarding fees

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

Up to €1.000

Advertising and reward

Cover for the cost of advertising, and the reward you have offered and paid to get your pet back if your pet is stolen or goes missing.

Up to €1.000

Loss by theft or straying

Cover for the price you paid for your dog (or the market value) if your dog is stolen or goes missing and does not return.

Up to €1.000

Holiday cancellation

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

Up to €1.000

Denied re-entry and loss of documents

Cover for the costs associated with your pet being in a boarding kennel, getting duplicate import documents and/or extra costs to travel home, if the delay in getting duplicate importation documents has caused you to miss your scheduled travel arrangements back home.

Up to €1.000

Emergency repatriation

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

Up to€300

Vet consultations

The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

Up to €400

Up to€300

Cancer treatment

The maximum benefit you can claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

Up to €3.000

Up to €2.000

Skin conditions

The maximum benefit you an claim for on this condition. Annual sub limit per policy year within the veterinary fee cover.

Up to €400

Up to€300

o

Death from illness or injury

Cover for the price you paid for your pet (or the market value) if it either dies or has to be put to sleep from an injury or illness.

Up to €1.000

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please consider the policy wording before making a decision to purchase the product.

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Dog insurance policy information

View the dog insurance combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) for full terms and conditions.
For more information, please see our FAQs.

Superior PDS Mid-range PDS Safety-net economy PDS Superior IPID Mid-range IPID Safety-net economy IPID

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Dog & Puppy Insurance from Petcover Australia (2024)

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