Type of cover
|
Specified accidental injuries only
|
Specified accidental injuries and illness
|
What’s covered |
This is basic cover for specified accidental injuries, making it a lower cost option compared to specified accidental injury and illness cover |
This cover offers a broader protection for specified accidental injuries and illnesses |
Examples of what’s covered |
Specified accidental injuries might be an injury from a motor vehicle accident, snake bite, or broken bones |
In addition to specified accidental injuries like the examples to the left, this cover also includes treatment for certain illnesses like cancer* |
Minimum entry age eligibility |
Your puppy or kitten must be at least 8 weeks old to apply, and by the time your policy starts |
Your puppy or kitten must be at least 8 weeks old to apply, and by the time your policy starts |
Maximum entry age eligibility |
There’s no upper age limit to get cover. Once insured, your pet is insured for life provided there’s no break in your cover and subject to the terms and conditions of your renewal policy |
You can cover your pet as long as they’re younger than 9 years old (or younger than 16 years old for some policies) when you apply and by the time your policy starts. Once insured, your pet is insured for life provided there’s no break in your cover and subject to the terms and conditions of your renewal policy |
Choice of vet |
You can use any registered vet in Australia |
You can use any registered vet in Australia |
Waiting periods (apply from the day your policy starts) |
The waiting period applies from the day your policy starts. It’s important to be aware that during any waiting period, you’re not eligible to make a claim for any of the following conditions:
- Specified accidental injury: 0 days. You can claim for a specified accidental injury as soon as soon as your policy starts
- Cruciate ligament conditions: 6 months (can be waived when you apply)
|
The waiting period applies from 11.59pm on the day your policy starts. It’s important to be aware that during any waiting period, you’re not eligible to make a claim for any of the following conditions:
- Specified accidental injury: 0 days. You can claim for a specified accidental injury as soon as soon as your policy starts
- Illness (including tick paralysis): 30 days
- Cruciate ligament conditions: 6 months (can be waived when you apply)
- Dental illness (if applicable): 2 years
|
Exclusions |
Exclusions* are generally:
- pre-existing conditions or conditions arising within the applicable waiting period;
- dental care;
- certain treatments and conditions;
- certain services and procedures;
- certain elective treatments and procedures; and
- a lack of protection for pet due to gross negligence
|
Exclusions* are generally:
- pre-existing conditions or conditions arising within the applicable waiting period;
- dental care;
- certain treatments and conditions;
- certain services and procedures;
- certain elective treatments and procedures; and
- a lack of protection for pet due to gross negligence
|