Pet cover is an important way to help you protect the health of our favourite furry family members.
Protecting your pet!
It’s easy to overlook when your pet is healthy, but waiting until they’re seriously sick could be too late. So when is the right time to take out pet cover? There are a few factors that can help you determine this.
The age of your pet can determine when to start your pet cover policy. Both Accident and Illness Cover and Accident Only Cover require your cat or dog to be at least eight weeks old before you can apply Once your pet is covered, you can take them to see any vet licensed to practice in Australia to receive the care they need.
Some policies even allow you to include Routine Care to ensure they are covered for part of the cost of vaccinations, worming treatments and medical health checks. Plus, some policies include extras like Emergency Boarding and Essential Euthanasia at no cost.
Accident Only Cover does not have an upper age limit, but Accident and Illness Cover can only be applied for if your cat or dog is under nine years of age. Be sure to get cover for your pet before that age, because chances are they’ll require more medical care the older they get.
Once your cat or dog is insured, your pet health cover is guaranteed to be renewed throughout your pet’s life, provided there is no break in cover.
Waiting periods and limitations
Accident and Illness Cover generally comes with a 30 day waiting period, while Accident Only cover offers instant cover for most accidents with no waiting period. For both types of pet health cover, there is a six month waiting period for cruciate ligament injuries, but these may be waived at your insurer’s discretion.
There may also be some exclusions (things you can’t claim on), like pregnancy, elective procedures and pre-existing conditions. Be sure to read the Product Disclosure Statement carefully prior to taking out pet insurance to find out the full details of the cover available.
What does Pet Insurance cover?
Depending on the pet cover policy that you select, you can claim up to 85% of your eligible vet bills up to a maximum benefit of $14,000 per year.
Pet health cover premiums start from less than $1 a day, and it’s the most affordable way to ensure the best medical treatment for your cat or dog when they need it most.
These articles are provided as reference material to allow more informed decision making, but are not intended as being a complete source of information on any topic. All readers should make their own independent analysis on the topic to make sure they have considered the aspects that are important to them.
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