Dog insurance

For example, if your approved vet costs come to $1,000, you can claim 80% on these costs. This equals $800 less any relevant excess. If, for example, your excess is $100 we will pay you $700 and you will still have $11,300 of your annual limit available for any future claims in the period of insurance.

What is covered

• Vet costs to treat your pet if they suffer an illness or injury during the period of insurance and after any waiting period that applies.
• Vet costs to treat your pet for an illness or injury that continues into the next period of insurance, as long as you renew your policy each year.

What is not covered

• For cats, calicivirus, chlamydia, Feline Immuno Deficiency Virus (FIV) and Feline Infectious Peritonitis (FIP), herpes virus, leukaemia (FeLV), panleukopaenia, viral rhinotracheitis, and all forms of cat flu (but we will cover your cat for those illnesses if it was regularly vaccinated against them).
• For dogs, canine distemper, infectious canine hepatitis (canine adenovirus), parainfluenza, parvovirus and all forms of kennel cough (but we will cover your dog for those illnesses if it was regularly vaccinated against them).
• Vet costs to euthanise your pet (but we may cover those costs under the extra benefit ‘Euthanasia costs’– see page 20 of the PDS).
• An illness that your pet gets during a waiting period.
• A treatment your pet receives during a waiting period.
• The general exclusions shown on pages 23-26. of the PDS.

We pay the costs to board your pet if you are admitted to hospital unexpectedly.

What is covered

• Costs to board your pet at a licensed cattery or kennel if you are in hospital for 5 or more consecutive days.

What is not covered

• If you are in hospital: to have cosmetic surgery or other types of elective surgery because of something that happened or you knew about before the policy started.
• If it’s reasonable for someone who lives with you to look after your pet while you are in hospital.
• The general exclusions shown on pages 23-26 of the PDS.

Limits

• Up to the annual limit of $1,000.
• We pay this benefit on top of your ‘Illness and injury cover’.

You don’t pay an excess when you make a claim under this benefit.

What is covered

• Costs for a vet overseas to treat your pet while it is with you in New Zealand or Norfolk Island as set out in ‘Illness and injury cover’ – see page 18 of the PDS.
• Costs to board your pet while it is with you in New Zealand or Norfolk Island as set out in ‘Emergency boarding costs’ – see page 19 of the PDS.
• Costs to euthanise your pet while it is with you in New Zealand or Norfolk Island as set out in ‘Euthanasia costs’ – see page 20 of the PDS.

What is not covered

• If you or your pet live permanently outside Australia.
• If something happens to your pet while it isn’t under your direct care.
• Any costs to return your pet to Australia.
• If your pet is out of Australia for more than 60 consecutive days.
• The specific exclusions shown under: ‘Illness and injury cover’ – see page 18 of the PDS, ‘Emergency boarding costs’ – see page 19 of the PDS, ‘Euthanasia costs’ – see page 20 of the PDS.
• The general exclusions shown on pages 23-26 of the PDS.

Limits

• Up to the limits shown under each part of your cover in Australian $ at the exchange rate that applied on the day you paid for the vet or other costs.

What is covered

• Vet costs to euthanise your pet if a vet decides it’s essential and the humane thing to do for your pet’s illness or injury.

What is not covered

• If your pet needs to be euthanised due to or as a result of an illness or injury we don’t cover – see page 18 of the PDS.
• Costs: for an autopsy on your pet, to dispose of, bury or cremate your pet.
• The general exclusions shown on pages 23-26 of the PDS.

Limits

• 80% of vet costs.
• We pay this benefit as part of your ‘Illness and injury cover’.

Waiving a pre-existing condition for your pet

We don’t cover your pet for a pre-existing condition it had before your first policy started, or during any applicable waiting period for that pet. However, you may ask us to waive a pre-existing condition for your pet as long as your pet has been free of that condition for the last 18 months.

To do that:

• Your vet needs to certify and provide (at your expense) records confirming that your pet has been free of clinical signs, symptoms or recurrence of the pre-existing condition (or any related condition) for at least 18 months, and you need to complete a ‘Pre-Existing Condition Waiver Form’.

You can get a copy of that form here Waiver forms or by calling us on 13 17 03.

It’s up to us whether we decide to waive all or part of the pre-existing condition exclusion. If we agree to waive the pre-existing condition, then we will send you written confirmation agreeing to cover your pet for that condition under your policy and an updated Schedule.

What is a pre-existing condition?

Any illness or injury or any symptoms or signs of an illness or injury that your pet suffered or had in any form before your first policy started or during any applicable waiting period whether or not a vet has diagnosed or treated it. For more details see the definition on page 50 of the PDS.

A waiting period is the period that your pet is not covered for. It starts on the day your first policy started.

The waiting period is:

• 6 months for a cruciate ligament condition or any illness or injury that results from it.
• 30 days for any other illness.

Waiver forms