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Aussie Pets Deserve the Best

Protect Your Pet with Comprehensive Insurance

  • Up to $20,000 cover for eligible vet bills*
  • ‘Umbrella for life’ policies
  • Up to 100% of eligible vet bills covered*
  • Easy, transparent and fast claims process
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VetSupply PetCover
girl with dog
Average Customer Rating :
4rates 4.5/5

Independent Service Rating

"Claim up to $20K annually*"

Don't let sub-limits hold you back! With Petcover, you can claim up to $20,000 with its covered for life policies – no sub-limits, cover up to 100% no surprises, just straightforward coverage for any accident, injury, or illness.

Sub-limits and claimed conditions
Treatment for accident or illness
Other Providers
Petcover
Treatment for accident or illness
Cruciate Ligament
Other Providers
$5,000 sub-limit
Petcover
No sub-limit
Treatment for accident or illness
Skin Condition
Other Providers
$500 sub-limit
Petcover
No sub-limit
Treatment for accident or illness
Cancer Treatment
Other Providers
$2,500 sub-limit
Petcover
No sub-limit
w100 dBlock
Pet Insurance You Can Count On
Cover your family mate

Flexible, affordable policies, no sneaky hidden sub-limits.

Know what you get

Get up to 100% back on eligible vet fees.

Choose your vet

Consult your regular vet and get covered for after hours and emergencies.

Don’t pay for something & get nothing

No wasted premium just real coverage.

Find the Perfect Cover for Your Pet
Dog Insurance
  • Cover unexpected vet fees, complementary therapies, third- party liability and more.
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Get your Pet insurance today!
Cat Insurance
  • Get cover for emergency vet bills, alternative treatments, theft, straying and more.
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Get your Pet insurance today!
pet cover
Horse Insurance
  • Equine insurance for your horse, with cover for saddlery, tack, horse float and more.
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Get your Pet insurance today!
Exotic Pet Insurance
  • Policies for reptiles, turtles, birds, guinea pigs, goats, rats and more.
Get a Quote
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Get your Pet insurance today!
why choose girl with dog
Why choose Petcover Australia for your pet insurance?
  • Join over 250,000 pet owners who have trusted us with their policy
  • Over 40 years of pet insurance experience
  • 93% of claims paid out (Jun 2023 - Mar 2024)
  • We can pay vet fees directly to your vet
  • Only exotic provider in Australia

From Adelaide to Sydney, Melbourne to Perth, Petcover Australia has a long-standing reputation for award-winning pet insurance for dogs, cats, horses and exotic animals.

Explore Pet Insurance Plans
Dog Insurance
Cat Insurance
Horse Insurance
Exotic Pet Insurance
Compare our dog insurance plans
Superior plan
Mid-range plan
Safety-net plan

Superior plans – the most comprehensive insurance cover on offer, with the lowest excess, giving you confidence that your dog will be looked after if illness or injury strikes.

 
Superior
Mid-point
Entry true mark
Umbrella for life
true mark
true mark
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Veterinary fees
Up to $20,000
Up to $15,000
Up to $10,000
Alternative and complementary treatment
Up to $4,000
Up to $2,000
Up to $2,000
Death from illness
Up to $2,000
Optional extra benefit Up to $1,500
Optional extra benefit Up to $1,500
Death from injury
Up to $2,000
Optional extra benefit Up to $1,500
Optional extra benefitUp to $1,500
Third party liability
Up to $5 million (Any one loss occurrence)
Up to $3 million (Any one loss occurrence)
Up to $3 million (Any one loss occurrence)
Boarding fees
Up to $2,000
Up to $1,000
Up to $1,000
Advertising and reward
Up to $2,000
Up to $1,000
Up to $1,000
Loss by theft or straying
Up to $2,000
Optional extra benefit Up to $1,500
Optional extra benefit Up to $1,500
Holiday cancellation
Up to $2,000
Up to $1,000
Up to $1,000
Quarantine expenses and loss of documents
Up to $1,000
Up to $1,000
Up to $1,000
Emergency repatriation
Up to $500
Up to $500
Up to $500
Age limits (first time cover)

From 8 weeks old up until 8th birthday

Select breeds*

From 8 weeks old up until 5th birthday

From 8 weeks old up until 8th birthday

Select breeds*

From 8 weeks old up until 5th birthday

From 8 weeks old up until 8th birthday

Select breeds*

From 8 weeks old up until 5th birthday

Waiting periods

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Fixed excess
$175

$175 + 20% (8 years old +)

$175 + 35% (10 years old +)

Select breeds*

$175 + 20% (4 years old +)

$175 + 35% (7 years old +)

$175

$175 + 20% (8 years old +)

$175 + 35% (10 years old +)

Select breeds*

$175 + 20% (4 years old +)

$175 + 35% (7 years old +)

$175

$175 + 20% (8 years old +)

$175 + 35% (10 years old +)

Select breeds*

$175 + 20% (4 years old +)

$175 + 35% (7 years old +)

Multi-pet discount
true

(3+ eligible pets)

true

(3+ eligible pets)

true

(3+ eligible pets)

Mid-range plans – 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
Vital
Core
Umbrella for life
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Veterinary fees
Up to $15,000 Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $10,000 Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000 Annual benefit limit

(As shown in the Certificate of Insurance.)

Third party liability
Up to $1 million (Any one loss occurrence)
Up to $1 million (Any one loss occurrence)
Up to $1 million (Any one loss occurrence)
Cruciate ligament benefit
Up to $3,000
Up to $2,500
Up to $1,500
Vet consultations
Up to $400
Up to $400
Up to $400
Paralysis tick
1st claim up to $2,000 | Subsequent claims up to $1,000
1st claim up to $2,000 | Subsequent claims up to $1,000
1st claim up to $2,000 | Subsequent claims up to $1,000
Cancer treatment
Up to $5,000

Annual sub limit

Up to $5,000

Annual sub limit

Up to $5,000

Annual sub limit

Hip dysplasia
Up to $4,000

Annual sub limit

Up to $4,000

Annual sub limit

Up to $4,000

Annual sub limit

Skin conditions
Up to $500

Annual sub limit

Up to $500

Annual sub limit

Up to $500

Annual sub limit

Boarding fees
Up to $500
Up to $500
Up to $500
Saying goodbye to your pet
Up to $300
Up to $300
Up to $300
Multi-pet discount
true

(3+ eligible pets)

true

(3+ eligible pets)

true

(3+ eligible pets)

Day to day care
$50 Annual benefit for only one (1) of the following:

De-sexing

Microchipping

Heartworm

Behavioural therapy

Teeth cleaning

Council registration fees

Alternative therapies

Prescription diets

Dewclaw removal

Training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30

Heartworm test or blood screen – $10

FeLv/ FIV test or urinalysis – $10

Flea/worm control – $45

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

De-sexing

Microchipping

Heartworm

Behavioural therapy

Teeth cleaning

Council registration fees

Alternative therapies

Prescription diets

Dewclaw removal

Training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30

Heartworm test or blood screen – $10

FeLv/ FIV test or urinalysis – $10

Flea/worm control – $45

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

De-sexing

Microchipping

Heartworm

Behavioural therapy

Teeth cleaning

Council registration fees

Alternative therapies

Prescription diets

Dewclaw removal

Training at a recognised training centre

Annual Benefit for all of the following:

Vaccinations or health check – $30

Heartworm test or blood screen – $10

FeLv/ FIV test or urinalysis – $10

Flea/worm control – $45

Eligibility
By selecting the optional day to day care benefit and paying an additional premium.
By selecting the optional day to day care benefit and paying an additional premium.
By selecting the optional day to day care benefit and paying an additional premium.
Excess applicable (optional day to day care benefit)
NIL
NIL
NIL
Co-payment options
Option 1: 10% | Option 2: 20% | Option 3: 30%
Option 1: 10% | Option 2: 20% | Option 3: 30%
Option 1: 10% | Option 2: 20% | Option 3: 30%
Excess options
Option 1: $0 | Option 2: $100 | Option 3: $200
Option 1: $0 | Option 2: $100 | Option 3: $200
Option 1: $0 | Option 2: $100 | Option 3: $200
Age limits (first time cover)

From 8 weeks old up until 8th birthday

Select breeds*

From 8 weeks old up until 5th birthday

From 8 weeks old up until 8th birthday

Select breeds*

From 8 weeks old up until 5th birthday

From 8 weeks old up until 8th birthday

Select breeds*

From 8 weeks old up until 5th birthday

Waiting periods

Injury: No waiting period Illness: 28 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate Ligament benefit: 6 months

Injury: No waiting period Illness: 28 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate Ligament benefit: 6 months

Injury: No waiting period Illness: 28 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate Ligament benefit: 6 months

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

 
Economy
Catastrophe 1
Catastrophe 2
Umbrella for life
-
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Veterinary fees
Up to $7,000 Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000 Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $10,000 Annual benefit limit

(As shown in the Certificate of Insurance.)

Benefit percentage back on vet fees (under 8 years of age)
Up to 100%

(select breeds under 4 years of age)

Over 8 years up to 80%

(4 for select breed)

Over 10 years up to 65%

(7 for select breed)

Up to 100%

(select breeds under 4 years of age)

Over 8 years up to 80%

(4 for select breed)

Over 10 years up to 65%

(7 for select breed)

Up to 100%

(select breeds under 4 years of age)

Over 8 years up to 80%

(4 for select breed)

Over 10 years up to 65%

(7 for select breed)

Vet consultations
true mark
Up to $400
Up to $400
Alternative and complementary treatment
Up to $1,000

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

-
-
Third party liability
Up to $1 million (Any one loss occurrence)
Optional extra benefit
Optional extra benefit
Death from illness
Up to $1,000

Optional extra benefit

-
-
Death from injury
Up to $1,000

Optional extra benefit

-
-
Boarding fees
Up to $1,000
-
-
Advertising and reward
Up to $1,000
-
-
Loss by theft or straying
Up to $1,000

Optional extra benefit

-
-
Holiday cancellation
Up to $1,000
-
-
Quarantine expenses and loss of documents
Up to $1,000
-
-
Emergency repatriation
Up to $500
-
-
Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)
Included under Annual Benefit limit
Up to $1,500
Up to $3,000
Skin conditions
Included under Annual Benefit limit
Up to $500
Up to $500
Cancer treatment
Included under Annual Benefit limit
Up to $2,500
Up to $5,000
Brachycephalic airway obstruction
Included under Annual Benefit limit 365 day waiting period applies
Up to $3,000

365 day waiting period

Up to $6,000

365 day waiting period

Multi-pet discount
true

(3+ eligible pets)

true

(3+ eligible pets)

true

(3+ eligible pets)

Third party liability
Included in policy
Up to $1 million

optional extra benefit

(Any one loss occurrence)
Up to $1 million

optional extra benefit

(Any one loss occurrence)
Excess Options
$175

$175 + 20% (8 years old +)

$175 + 35% (10 years old +)

Select breeds*

$175 + 20% (4 years old +)

$175 + 35% (7 years old +)

$450 or $900
$450 or $900
Age limits (first time cover)

8 weeks – no limit

Select breeds*

8 weeks – no limit

8 weeks – no limit

Select breeds*

8 weeks – no limit

8 weeks – no limit

Select breeds*

8 weeks – no limit

Waiting periods

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate ligament benefit 6 months

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate ligament benefit 6 months

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please read the policy wording before buying a policy.
Find the right cat insurance
Superior plan
Mid-range plan
Safety-net plan

Superior plans – the most comprehensive insurance cover on offer, with the lowest excess, giving you confidence that your cat will be looked after if illness or injury strikes.

 
Superior
Mid-point
Entry true mark
Umbrella for life
true mark
true mark
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Veterinary for life
Up to $15,000

(As shown in the Certificate of Insurance.)

Up to $10,000

(As shown in the Certificate of Insurance.)

Up to $9,000

(As shown in the Certificate of Insurance.)

Alternative and complementary treatment
Up to $4,000

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

Up to $2,000

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

Up to $2,000

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

Death from illness
Up to $2,000
Up to $1,500

Optional extra benefit

Up to $1,500

Optional extra benefit

Death from injury
Up to $2,000
Up to $1,500

Optional extra benefit

Up to $1,500

Optional extra benefit

Boarding fees
Up to $2,000
Up to $500
Up to $500
Advertising and reward
Up to $2,000
Up to $1,000
Up to $1,000
Loss by theft or straying
Up to $2,000
Up to $1,500

Optional extra benefit

Up to $1,500

Optional extra benefit

Holiday cancellation
Up to $2,000
Up to $500
Up to $500
Quarantine expenses and loss of documents
Up to $1,000
Up to $1,000
Up to $1,000
Emergency repatriation
Up to $500
Up to $500
Up to $500
Multi-pet discount
true

(2+ eligible pets)

true

(2+ eligible pets)

true

(2+ eligible pets)

Fixed excess
$150

$150 + 20% (8+ years)

$150 + 35% (10+ years)

$150

$150 + 20% (8+ years)

$150 + 35% (10+ years)

$150

$150 + 20% (8+ years)

$150 + 35% (10+ years)

Age limits (first time cover)

8 weeks up until 8th birthday

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

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

 
key
Vital
Core
Umbrella for life
true mark
true mark
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Veterinary for life
Up to $15,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $10,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Cruciate ligament benefit
Up to $3,000
Up to $2,500
Up to $1,500
Vet consultations
Up to $400
Up to $400
Up to $400
Paralysis tick
1st claim up to $2,000 | Subsequent claims up to $1,000
1st claim up to $2,000 | Subsequent claims up to $1,000
1st claim up to $2,000 | Subsequent claims up to $1,000
Cancer treatment
Up to $5,000 Annual sub limit
Up to $5,000 Annual sub limit
Up to $5,000 Annual sub limit
Hip dysplasia
Up to $4,000 Annual sub limit
Up to $4,000 Annual sub limit
Up to $4,000 Annual sub limit
Skin conditions
Up to $500 Annual sub limit
Up to $500 Annual sub limit
Up to $500 Annual sub limit
Boarding fees
Up to $500
Up to $500
Up to $500
Saying goodbye to your pet
Up to $300
Up to $300
Up to $300
Multi-pet discount
true

(2+ eligible pets)

true

(2+ eligible pets)

true

(2+ eligible pets)

Co-payment options
Option 1: 10% | Option 2: 20% | Option 3: 30%
Option 1: 10% | Option 2: 20% | Option 3: 30%
Option 1: 10% | Option 2: 20% | Option 3: 30%
Excess options
Option 1: $0 | Option 2: $100 | Option 3: $200
Option 1: $0 | Option 2: $100 | Option 3: $200
Option 1: $0 | Option 2: $100 | Option 3: $200
Day to day care
$50 Annual benefit for only one (1) of the following:

De-sexing

Microchipping

Heartworm

Behavioural therapy

Teeth cleaning

Council registration fees

Alternative therapies

Prescription diets

Dewclaw removal

Training at a recognised training centre

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

Vaccinations or health check – $30

Heartworm test or blood screen – $10

FeLv/ FIV test or urinalysis – $10

Flea/worm control – $45

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

De-sexing

Microchipping

Heartworm

Behavioural therapy

Teeth cleaning

Council registration fees

Alternative therapies

Prescription diets

Dewclaw removal

Training at a recognised training centre

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

Vaccinations or health check – $30

Heartworm test or blood screen – $10

FeLv/ FIV test or urinalysis – $10

Flea/worm control – $45

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

De-sexing

Microchipping

Heartworm

Behavioural therapy

Teeth cleaning

Council registration fees

Alternative therapies

Prescription diets

Dewclaw removal

Training at a recognised training centre

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

Vaccinations or health check – $30

Heartworm test or blood screen – $10

FeLv/ FIV test or urinalysis – $10

Flea/worm control – $45

Eligibility
By selecting the optional day to day care benefit and paying an additional premium.
By selecting the optional day to day care benefit and paying an additional premium.
By selecting the optional day to day care benefit and paying an additional premium.
Excess applicable (optional day to day care benefit)
NIL
NIL
NIL
Age limits (first time cover)

8 weeks up until 8th birthday

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

Injury: No waiting period Illness: 28 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate Ligament benefit: 6 months

Injury: No waiting period Illness: 28 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate Ligament benefit: 6 months

Injury: No waiting period Illness: 28 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate Ligament benefit: 6 months

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

 
Economy
Catastrophe 1
Catastrophe 2
Umbrella for life
-
true mark
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Veterinary for life
Up to $7,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $5,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Up to $10,000

Annual benefit limit

(As shown in the Certificate of Insurance.)

Benefit percentage back on vet fees (under 8 years of age)
Up to 100%

Over 8 years up to 80%

Over 10 years up to 65%

Up to 100%

Over 8 years up to 80%

Over 10 years up to 65%

Up to 100%

Over 8 years up to 80%

Over 10 years up to 65%

Vet consultations
-
Up to $400
Up to $400
Alternative and complementary treatment
Up to $1,000

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

-
-
Death from illness
Up to $1,000

Optional extra benefit

-
-
Death from injury
Up to $1,000

Optional extra benefit

-
-
Boarding fees
Up to $1,000
-
-
Advertising and reward
Up to $1,000
-
-
Loss by theft or straying
Up to $1,000

Optional extra benefit

-
-
Holiday cancellation
Up to $1,000
-
-
Quarantine expenses and loss of documents
Up to $1,000
-
-
Emergency repatriation
Up to $500
-
-
Cruciate ligament, patella luxation, hip dysplasia or osteochondritis dissecans (OCD) benefit (within veterinary fee limit)
-
Up to $1,500
Up to $3,000
Skin conditions
-
Up to $500
Up to $500
Cancer treatment
-
Up to $2,500
Up to $5,000
Brachycephalic airway obstruction
-
Up to $3,000

365 day waiting period

Up to $6,000

365 day waiting period

Multi-pet discount
true

(2+ eligible pets)

true

(2+ eligible pets)

true

(2+ eligible pets)

Fixed excess
$150

$150 + 20% (8+ years)

$150 + 35% (10+ years)

-
-
Veterinary fees fixed excess options
-
$450 or $900
$450 or $900
Age limits (first time cover)
8 weeks - no limit

8 weeks up until 8th birthday

8 weeks up until 8th birthday

Waiting periods

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate Ligament benefit:6 months

Injury: No waiting period Illness: 21 days

Brachycephalic Obstructive Airway Syndrome: 365 days

Cruciate Ligament benefit:6 months

Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please read the policy wording before buying a policy.
Compare our horse insurance plans
 
Basic
Senior Plan A
Senior Plan B
Death from illness
Sum insured or market value (whichever is lesser)
-
-
Death from injury
Sum insured or market value (whichever is lesser)
Up to $3,000 or market value

(whichever is lesser)

Up to $3,000 or market value

(whichever is lesser)

Loss by theft or straying
Sum insured or market value (whichever is lesser)
Up to $3,000 or market value

(whichever is lesser)

Up to $3,000 or market value

(whichever is lesser)

Veterinary fees for injury
See optional benefits
-
Up to $2,000
Age limits
30 days – 18 years
19 years – 29 years
19 years – 29 years
Fixed excess
$250
$250
$250
Waiting periods

For injury: no waiting period

For illness: 21 days

For injury: no waiting period

For injury: no waiting period

Insurance cover for veterinary costs
Superior vet fee cover:

up to$1,000 (excess $250)

or Economy vet fee cover:

up to$7,000 (excess $1000)

-
-
Burial and disposal
$300 (no excess)
-
-
Permanent loss of use
Up to 60% or 100% of the sum insured or market value

(whichever is lesser)

$250 Excess

-
-
Horse float and horse drawn vehicles
Sum insured or market value

(whichever is lesser)

$250 Excess

Sum insured or market value

(whichever is lesser)

$250 Excess

Sum insured or market value

(whichever is lesser)

$250 Excess

Saddlery and tack
Sum insured or the replacement value

(whichever is lesser)

$250 Excess

Sum insured or the replacement value

(whichever is lesser)

$250 Excess

Sum insured or the replacement value

(whichever is lesser)

$250 Excess

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.
Compare our exotic pet insurance plans
 
Premier
Plus
Value
 
(not available for small mammals)
 
 
Veterinary fees (for the treatment of injury, accident or illness)

Birds: up to $6,000

Reptiles: up to $6,000

Turtles: up to $6,000

Birds: up to $4,000

Reptiles: up to $4,000

Turtles: up to $4,000

Small mammals: up to $4,000

Birds: up to $2,000

Reptiles: up to $2,000

Turtles: up to $2,000

Small mammals: up to $2,000

Alternative or complimentary treatment
Up to $500

(within veterinary fee limit)

Up to $500

(within veterinary fee limit)

Up to $500

(within veterinary fee limit)

Advertising and reward
$500
$500
$500
Third party liability
Up to$1 million

(any one loss occurrence)

Up to$1 million

(any one loss occurrence)

Up to$1 million

(any one loss occurrence)

Multi-pet discount (3+ eligible pets)
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Bird and reptile fixed excess

$175 or $75

$175 or $75

$175 or $75

Small mammal fixed excess
-
$225 or $125
$225 or $125
Referral hospital or specialist vet
Fixed excess + 30% of vet invoice(s)
Fixed excess + 30% of vet invoice(s)
Fixed excess + 30% of vet invoice(s)
Diagnostic examinations
Fixed excess + 50% of vet invoice(s)
Fixed excess + 50% of vet invoice(s)
Fixed excess + 50% of vet invoice(s)
Dental (small mammals only)
-
Fixed excess + 50%
Fixed excess + 50%
Waiting periods
Illness: 21 days

Injury: no waiting period

Illness: 21 days

Injury: no waiting period

Illness: 21 days

Injury: no waiting period

Age limits

Birds: 12 weeks – 25 years

Reptiles: 8 weeks – 15 years

Turtles: 12 weeks – 30 years

Birds: 12 weeks – 25 years

Reptiles: 8 weeks – 15 years

Turtles: 12 weeks – 30 years

Small mammals: 8 weeks – 5 years

Birds: 12 weeks – 25 years

Reptiles: 8 weeks – 15 years

Turtles: 12 weeks – 30 years

Small mammals: 8 weeks – 5 years

Loss from not returning whilst flying (birds of prey only)

50% of purchase price

or market value

50% of purchase price

or market value

50% of purchase price

or market value

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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Australia’s award winning pet insurance

40
years of experience
Why Australian pets and their owners choose us!
Proudly Australian

Australian owned award-winning insurance with a local customer support team. Petcover is the part of Australia’s no. 1 pet store, committed to making your life easier and your pet’s life healthier.

Protection that’s less confusing

We want to make pet insurance less confusing for Aussie pet owners, so we designed easy, simple, comprehensive policies with no hidden exclusions or sub limits and we have covered for life policies.

Claims made easy

We tell you upfront exactly what your pet is covered for based on our pre-existing condition checks, so there won’t be any expensive surprises at claim time.

Pet Insurance FAQs
faqs img
What does pet insurance cover?

Pet insurance covers the costs of your pet’s accidents, illnesses, and injuries. It covers things like vet consultations, surgeries, hospital stays, and medication. Our policies can also cover alternative therapies and behavioural treatments, giving you extra peace of mind.

How much is pet insurance in Australia?

The cost of pet insurance can vary widely. It depends on your pet’s type, breed, age, health, and the level of cover you choose. Petcover’s ‘Umbrella for life’ dog insurance policies start from as little as $35.68† per month.

† Prices are accurate at the time of publishing. Monthly premiums for a 1-year-old male Jack Russel Terrier start at $35.68 with the ‘core’ plan.

What pets does Petcover Australia cover?

Petcover Australia offers policies for a wide range of pets, including:

  • Dogs
  • Cats
  • Horses and ponies
  • Birds
  • Reptiles
  • Goats
  • Guinea pigs
  • Mice and rats
  • Ferrets and more

*Terms & Conditions

VetSupply promotes and distributes Petcover Insurance (https://www.petcovergroup.com/au/) as its official representative. Petcover is a registered trademark. Products sold under this trademark in Australia are sold exclusively by Petcover. The insurer for Petcover Insurance products (excluding Petcover Professional) is Sovereign Insurance Australia Pty Ltd (ABN 85 138 079 286, AFSL No. 342516). The information about Petcover on VetSupply is general in nature and does not take into account your individual objectives, financial situation, or needs (“your personal circumstances”). Before using this information to decide whether to purchase the insurance policy, you should consider your personal circumstances and the relevant combined Financial Service Guide (FSG), Product Disclosure Statement (PDS), and Target Market Determination (TMD) available on Petcover’s website. Terms, conditions, limits, and exclusions apply.

Disclaimer:

VetSupply is an affiliate partner of Petcover Australia and does not issue or sell insurance policies. Information on this page is for general reference only and may be outdated or not reflect current offers. We strongly recommend verifying all policy details directly with Petcover before making any purchase decisions. VetSupply is not responsible for any changes, inaccuracies, or issues related to Petcover insurance products.

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