What does Petsecure cover?
Petsecure pet insurance offers pet insurance plans which covers Accidental Injury and Illness, with optional Wellness Care benefits that can be added to your plan. Cover is available for the life of your pet provided you renew your policy each year without any break, lapse or change in the level of cover. This means once your pet is insured with us, and as long as we continue to offer the product, you will be able to renew your policy for that pet for life and we will continue to pay for ongoing treatment for as long as it’s needed, even for chronic conditions. Cover is subject to the terms of conditions of your renewing policy.
Accident & Illness Cover
Provides cover for veterinary treatment costs arising from both accidental injury and illness conditions suffered by your pet.
What’s paid?
You can choose from either an 85% or 75% benefit payment. To lower your premium you can choose the 75% option which is good if your pet is healthy and you are just looking for peace of mind knowing that should something major happen Petsecure is there to help you with the vet costs.
The maximum benefit amount available for you to claim each year is $12,000 for Accident & Illness Cover. As long as a sub limit doesn’t apply, you can use your annual benefit limit as needed, and there is no limit on individual claims. Even if your pet develops a chronic (recurring) condition, such as cancer, diabetes, or arthritis you may claim the full benefit amount each year as long as your insurance policy is continuously in force.
To keep things simple, there is also NO ADDITIONAL EXCESS payment with Petsecure.
Optional Wellness Care
This is an optional benefit that you can add to your Accident & Illness cover that assists you with a range of routine and wellness care expenses.
The total benefit payable each year is $145.00. You can claim $60.00 each year for any ONE of the following benefits: de-sexing, micro-chipping, heartworm control, teeth cleaning, dew claw removal, council registration fees, prescription diets, alternative therapies, acupuncture, massage, hydrotherapy, behavioural therapy, cremation / burial, puppy training and herbal medicines / treatment. In addition you can claim $30.00 per year for vaccinations or health check, $10.00 per year for heartworm test or blood screen, $10 per year for FELV/FIV test or Urinalysis, $45.00 per year for flea/tick/worm control.
Insurance cover summary
| Benefits | Accident & Illness Cover |
|
|---|---|---|
| $12,000 annual benefit limit |  |
|
| Limit on individual claims | Up to the annual limit – $12,000. | |
| Cruciate ligament conditions | $2,600 per annum* | |
| Consultations | $300 per annum | |
| Lifetime cover | Yes. As long as the Policy is renewed annually without any break in cover, subject to the terms and conditions of your renewal policy | |
| Chronic conditions that require ongoing treatment continually covered | |
|
| Emergency boarding fees for the insured pet if you, the policyholder, are hospitalised for more than four days. | $500 per annum | |
| Tick Paralysis Treatment | $500 included | |
| Multi pet discount (maximum of one 10% discount per policy) |
10% discount |
|
| Service dog discount (maximum of one 10% discount per policy) |
10% discount |
|
| Australian Pension Cardholder discount (maximum of one 10% discount per policy) |
10% discount |
|
| Rescue pet discount (maximum of one 10% discount per policy) |
10% discount |
|
| Excess | No | |
| Percentage of vet bill covered | 75% or 85% – depending on the option you choose. |
|
| Optional Wellness Care | See details above |
|
| Eligibility | Pets from 8 weeks to 9 years of age can be covered – once the insurance is in place it can renewed for life, provided there is no break in cover. |
* You may be eligible for a higher limit and if so this will be shown in your Certificate of Insurance.
What is NOT covered?
Petsecure Pet Insurance is intended to help cover unforeseen vet expenses, which means that not all expenses are covered, and like most insurance policies there are certain terms, conditions, exclusions and limitations. These include (but are not limited to) dental care (for example dental procedures, diseases, fractures, tooth removal), pregnancy, elective procedures, foods/diets, grooming and behavioural problems.
Pre-existing conditions are medical conditions that are present or that you were aware of (or that a reasonable person in your circumstances should have been aware of) prior to the start or your policy or during the waiting period. These may also be excluded from cover. Pre-existing Conditions are assessed differently depending on whether they are Chronic Conditions or Temporary Conditions for your Pet.
You can find out more about pre-existing conditions and other exclusions here.
You can also request a review of the pre-existing condition at any time, plus all temporary pre-existing conditions are automatically removed from your pet insurance policy as an exclusion if your pet hasn’t shown signs or symptoms of that condition of that condition for 18 months or more. If you would like a review you and your vet will need to complete a pre-existing condition review form, available here.
Some examples of elective treatments (that are not covered) are hind dew claw removal (often done at de-sexing), dental work (cleaning, scaling and polishing), hip scoring, genetic blood work (DNA and gene testing), and if the pet came in for a particular surgery and the vet suggests to perform other beneficial procedures, eg soft palate resection for pugs would be considered elective, or cosmetic surgery.
Please refer to the Policy Terms and Conditions for a full and detailed description of all the Terms of Conditions of the Policy, and to understand more about exclusions in pet insurance visit our Info Centre.
21 Day free look period
It’s important to make sure the policy is what you are looking for. So when you take out your policy you will have 21 days to review it to make sure that it suits your needs. If you are not happy, for any reason, you can cancel it and any premiums you have paid will be refunded in full, as long as you haven’t made a claim.