Potiki Pet Insurance Review
- Maximum yearly benefit
- $30,000
- Reimbursement rate
- 80%
- Routine Care
- Optional
Summary
Potiki, together with petinsurance.com.au, offers cover for up $30,000 a year and up to $599 of non-insurance benefits – something you won't find elsewhere.
Pros
-
It comes with 3 options – Silver, Gold and Platinum – to suit various budgets.
-
It can cover up to $30,000 worth of vet bills a year – that's more than almost every other insurer on the market.
-
It comes with Potiki Perks (worth up to $599 each year) which can include wellness items such as flea and tick treatments.
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You can still take out the Silver policy if your pet is over 9 years old. Many insurers stop offering new policies at this age.
Cons
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It pays 80% of eligible vet bills. This isn't bad, it's just the same as the majority of insurers.
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It comes with a 21 day waiting period for illnesses. A small handful of insurers offer cover after 14 days.
Details
Product details
| Product Name | Potiki Platinum Cover |
| Accidental injury | |
| Routine Care | Optional |
| Lifetime Cover | |
| Reimbursement rate | 80% |
| Cooling Off Period | 30 days |
| Cruciate Ligament Benefit | $30,000 |
| Excess options | $0, $250, $500 |
| Emergency Boarding | $1,500 |
| Consultations and Vet Visits | $30,000 |
Why choose Potiki pet insurance?
- Covers 80% of vet bills. Potiki's petinsurance.com.au policies cover for up to 80% of your veterinary expenses when your pet suffers an illness or injury. This includes consultation and surgical costs, diagnostic tests, hospitalisation and more.
- Claim up to $30,000 cover. There's also no annual sub-limits for vet consultations, tick paralysis, cruciate ligaments and hip joint surgery with the Platinum option.
- $24/7 vet chat. Not all insurers offer this. It can be good if you're unable to reach a vet after work hours.
- Easy claiming. It offers GapOnly® cover which means you only pay the difference between the vet bill and what your policy covers (lots of insurers don't offer this yet).
- Routine cover. There's no sub-limits for vet consults on the Platinum Plan (meaning you could claim up to $30,000 a year).
Our expert's verdict
"There's very little to fault with Potiki. The Platinum option is one of the most comprehensive policies you can get in Australia. Everyday is the only other insurer to offer up to $30,000 a year. Plus it comes with a lot of routine care and non-insurance benefits which you won't find elsewhere – at least not up to $599 worth of it."
What policies does Potiki offer?
Cover for accidents and illnesses, including arthritis and other chronic diseases.
- $20,000 annual benefit limit
- Claim up to 80% of eligible vet bills
- Specified accidental injuries and specified illness only
- Cover for pets older than 8 weeks and younger than 15 years
This policy provides cover for vet treatment costs when your puppy is sick or injured.
- $20,000 annual benefit limit
- Claim up to 80% of eligible vet bills
- Specified accidental injuries and illnesses
- Cover for pets older than 8 weeks and younger than 9 years
It's a specialised cover for when your feline friend is sick or injured. A separate $3,000 annual benefit limit applies to both injury and illness treatment. Cover includes tick paralysis and cruciate ligament conditions.
- $30,000 annual benefit limit
- Claim up to 80% of eligible vet bills
- Specified accidental injuries and specified illness
- Cover for pets older than 8 weeks and younger than 9 years
Cost of Potiki pet insurance
To help give you an idea about how much Potiki cover could cost your pet, we collected annual quotes for some of Australia's favourite dog breeds for petinsurance.com.au who issues its policies. Just remember, this is a recent snapshot of costs. Prices will differ based on things such as your own dog's age, breed and your address. It's worth comparing policies and getting a few quotes.
| Dog breed | 1-year-old | 5-year-old |
|---|---|---|
Maltese Cross | $881.53 | $1,508.60 |
Cavoodle | $935.37 | $1,564.25 |
Labrador | $1,277.71 | $1,911.87 |
Staffordshire Bull Terrier | $1,091.73 | $1,582.19 |
Border Collie | $1,091.73 | $1,582.19 |
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.
What isn't covered?
- It arises due to a pre-existing condition.
- It is to cover the cost of regular, prescription or dietary food for your pet, or it is for vitamin and mineral supplements.
- It is for the cost of your pet's accessories, such as bedding and collars.
- Treatment while your pet is being used for commercial or occupational purposes.
- Treatment for behavioural problems, including an anxiety disorder or phobia.
- Stem cell therapy.
- Medication that is not approved or listed by APVMA.
- Related to breeding or obstetrics.
- Elective procedures or treatments, including nail clipping, hip scoring, desexing and blood tests.
- Diseases with a known vaccination, such as parvovirus.
- Ambulance fees and non-essential hospitalisation.
- Out-of-hours treatment unless advised otherwise by the vet.
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Gary Ross Finder
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