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 FAQs

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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 plan Mid-range plan Safety-net plan

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+)

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+)

Benefit percentage

Percentage of eligible veterinary fees/bills covered.

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

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

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

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

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

€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: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.

petcover-austria-labrador-retreiver-dog-insurance-700x440-1

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From your poodle to your pomeranian – dog insurance is for everyone. Get a quote and see if you can save.

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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

Making a claim

We understand how stressful it is when your dog gets sick or injured: that’s why we want to settle your claim as quickly as possible.

Find out more

Dog & Puppy Insurance from Petcover Australia (2024)

FAQs

Is Petcover the same as PetPlan? ›

Pet insurance specialists Petcover and Petplan have merged under a single Petcover Group umbrella.

See Details ›

How long does it take to get a claim on pet insurance? ›

Processing a pet insurance claim is usually quire straightforward. Your payout should take between seven to ten days. If you call your provider, they can give you an estimated date for the payout.

Get More Info ›

Do you get money from pet insurance? ›

With the best insurance companies , you get reimbursed for 80%, 90%, or even 100% of the vet bill (after your deductible is met). Like most insurance options, you'll pay a monthly premium to keep your coverage active.

Which dog insurance is the best? ›

The Best Pet Insurance Companies for 2024

Lemonade: Our top pick.
ASPCA Pet Health Insurance: Best for senior pets.
Pets Best: Best for vet-direct pay.
Embrace: Best for multiple pets.
Figo: Most affordable.
Spot: Best for customizable coverage.
Fetch: Best for comprehensive coverage.

3 days ago

View Details ›

Which level of pet insurance is the best? ›

Lifetime policies

These policies cover your pet for their entire life, taking care of expenses for both illnesses and injuries. Although they are the most expensive option, they offer the highest level of protection, with coverage limits that reset annually upon policy renewal.

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What is not covered by Petplan? ›

Preventative treatments

Pet insurance does not cover routine preventative care such as worming and flea treatment. Your vet practice may be able to offer a wellness plan to help you cover these kind of costs.

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Why would pet insurance deny a claim? ›

When working with your pet insurance company, there may be a time when you submit a claim and reimbursem*nt is denied. If this occurs, it is best to look at your claim to double-check that it does not involve a policy exclusion, such as a pre-existing condition.

Get More Info Here ›

Is pet insurance effective immediately? ›

The typical waiting period for pet insurance is 14 days, particularly for illness coverage. Some pet insurance providers have a waiting period of only a few days for accident coverage. Hereditary conditions such as hip dysplasia typically have much longer waiting periods — up to a year.

Learn More Now ›

Is it worth making a pet insurance claim? ›

It's usually not too difficult to know when you should claim, and you can always check your policy documents or speak to your insurance provider if you're not sure. The only time it might not be worth claiming is if your policy excess – that's the amount you pay to make a claim – is more than the cost of the treatment.

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What are the three types of pet insurance? ›

Pet insurance companies typically divide their products into 3 main categories: accident-only, accident and illness, and wellness coverages. Each level offers specific services that are covered and excluded and will vary by price. Insurance policies are usually broken down by the type of pet being insured.

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What is a good annual limit for pet insurance? ›

We recommend an annual limit of $10,000 for most pets, offering enough coverage for a sudden emergency or illness. For reference, a single trip to an emergency care clinic can cost upwards of $375 to $965 for cats and $534 to $1,285 for dogs.

Is pet insurance tax deductible? ›

A: Typically, pet insurance premiums are not deductible. However, if your pet is a certified service animal, the insurance costs directly related to their health care may qualify.

Keep Reading ›

What is the most expensive breed of dog to insure? ›

New research has revealed the 10 most expensive dog breeds to insure, with the English Bulldog taking the top spot. An insurance specialist has analysed data to discover the average monthly cost of pet insurance for different breeds in the UK to determine the ranking.

Keep Reading ›

What is a good deductible for pet insurance? ›

Typical deductibles range from $0 to $1000, but averages are typically closer to $100, $250, or $500. For example, if your plan has a $200 deductible, you will have to pay the first $200 out of pocket before the insurance company will start reimbursing you for vet bills.

What is the most common pet insurance coverage? ›

Accident and Illness Coverage: Pros and Cons

This type of plan is the most common pet insurance plan and covers a wide range of problems, including accidents (such as a torn ACL or swallowing a foreign object) and illnesses (such as allergies, cancer and ear infections).

Know More ›

What is the new name for Petplan? ›

Previously called Petplan, the company rebranded to Fetch in 2020. For years, Fetch has offered uniquely comprehensive coverage and perks, making it one of our top recommended pet insurance companies.

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Who is Petplan owned by? ›

Petplan is part of Allianz Insurance, the largest insurer in the world and in 2022, we paid out £429 million to help pets get the best veterinary care.

Find Out More ›

What happened to Petplan? ›

Is Petplan now Fetch Pet Insurance? We recently changed our name to Fetch Pet Insurance, but there has been no change at all to our pet insurance. We still provide the most comprehensive coverage there is — the name and logo are the only things that are different.

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Who owns Petcover? ›

Over 40 years ago, founders Doug and Gwen Ford combined their experience as international pet experts, insurance and love of animals to form what is today: Petcover Group.

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