Petcover pet insurance

Why choose Petcover?

• Up to $20,000 cover. Petcover allows you to take out up to $20,000 cover for vet fees for your dog, or $15,000 cover for vet fees for your cat. This is one of the highest levels of cover we've seen, beaten by only Petsy and Knose.
• Multi-pet discount. If you insure 3 or more pets with Petcover, you are entitled to a premium discount of 10%.
• Lifetime protection. If you're worried about your pet developing a chronic health issue, a Lifetime policy from Petcover ensures that your furry friend is protected throughout its life.
• Wide range of choice. Petcover offers multiple cover choices and policy options, allowing you to choose cover that suits your budget and tailor a policy to your pet's insurance needs.
• Rewards to find lost or stolen pets. If your pet is lost or stolen, Petcover can pay a benefit so you can offer a reward to anyone who finds and safely returns your 4-legged friend.
• Up to $5 million liability cover for dogs. If you have a legal liability as a result of your dog causing death, bodily injury, illness or property damage, Petcover's policies provide up to $5 million in cover.

What pet insurance policies does Petcover offer?

Petcover pet insurance cost

To help give you an idea about costs for Pet cover pet insurance, we collected annual quotes for some of Australia's favourite dog breeds. Prices will differ based on your dog's age, breed and your address. It's worth comparing policies and getting a few quotes.

• See how we got these annual prices

  • Pet: Dog
  • Breed: Maltese Cross, Cavoodle, Labrador, Staffordshire Bull Terrier, Border Collie
  • DOB: 1 June 2023 and 1 June 2019
  • Sex: Female
  • Policy: Superior

  • Quotes updated in July 2024
  • Desexed: Yes
  • Excess: $150
  • Owner's DOB: 28 March 1996
  • Address: New South Wales, 2155

Prices will differ based on a few criteria, including:

• The gender, breed and age of your pet
• The level of cover you choose
• Your excess
• Your locations
• If your pet is desexed.

Petcover pet insurance reviews

​​We looked through Petcover's customer reviews on productreview.com from December 2011 to February 2022. Here's a summary of how its reviews stack up against other brands:

• Most claims are resolved within 2 weeks.
• It has over 400 5-star reviews, which is more than PetSecure, although PetSecure has fewer reviews and a higher rating overall.
• It has a lower rating than other pet insurers, including Coles Pet Insurance, Knose and Petinsurance.com.au.
• It has 512 negative reviews – more than Pet Insurance Australia which has also received more reviews overall.

If you're an existing or previous customer of Petcover pet insurance, we'd love to hear from you. Leave a quick review here.

What isn't covered?

• Illnesses within the initial 21-day waiting period.
• Pre-existing conditions.
• Your dog is used for guarding, track racing or coursing.
• It is for a breed of dog banned by the Australian government.
• It is for any claim that arises due to your pet being confiscated or destroyed by any government, public or local authority.
• It arises due to a malicious act, deliberate injury or bodily injury, or gross negligence caused by you, a member of your family or someone acting with your consent.
• It results from a disease transmitted from animals to humans.
• It is caused by any pandemic disease.
• Your pet does not have required vaccinations.
• You fail to take reasonable precautions to protect your pet.

How to file a claim with Petcover

If you need to make a claim on your policy, a claim form is available to download from the Petcover website. You will need to provide the following information when completing the form:

• Your name, contact details and policy number.
• Your pet’s name and age.
• Details of your pet’s illness or injury.

Your vet will also need to fill out a section of the form to provide detailed information about the illness or injury, your pet’s medical history and the amount being claimed.

Once completed, the claim form can be submitted to Petcover by post or email. You will also need to attach all invoices and receipts to ensure prompt processing. Claims for vet fees and complementary treatment must be lodged no more than 1 year after the treatment date.

Frequently asked questions about Petcover

• Who is the insurer of Petcover policies?

  HDI Global Specialty SE Australia.

• How old does my pet need to be to be eligible for cover?

  Your dog or cat must be at least 8 weeks old and less than 8 years of age. Age limits for other pets are as follows:

  • Horses from 30 days to 30 years
  • Birds from 12 weeks to 25 years
  • Reptiles from 8 weeks to 15 years
  • Turtles/tortoises from 12 weeks to 30 years
  • Small mammals from 8 weeks to 5 years

• Is there a cooling-off period?

  Yes, a 21-day cooling-off period applies to Petcover policies, which allows you to cancel your policy within the first 21 days and receive a 100% refund.

• Does my policy cover treatment for tick paralysis?

  Yes, tick paralysis treatment costs are included in the cover.

• Can I claim the cost of vaccinations or desexing?

  Yes, the Mid-range plan has the option to add on day-to-day care cover that includes benefits for both vaccinations and desexing.

• Is there a no-claims discount?

  No, Petcover does not offer a no-claims discount.

• Explore Petcover's past Award wins

  • Winner for Pet Insurance Customer Satisfaction

Compare alternative pet insurance policies

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Vets Choice Elite Cover			$2,500	$15,000	80%	80%	Get a 5% discount when you insure more than one pet.	Get quoteView details Compare	loading Fetching your data...
Guardian Platinum Accident & Illness Cover			$1,200	$12,000	80%	80%	Lifetime cover for cats and dogs, up to 80% covered.	Get quoteView details Compare	loading Fetching your data...
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Kogan Pet Primary Cover			$1,200	$8,000	80%	80%	Get 2 months free when you purchase Kogan Pet Insurance. Sign up using promo code BARKFRIDAY. Offer ends 15 December 2024. T&Cs apply.	Get quoteView details Compare	loading Fetching your data...

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Written by

Alexandra Koster

Publisher

Alexandra Koster was Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs. See full bio