Pet Insurance can feel complicated but it doesn’t have to be

If during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers an Injury due to an Accident and You incur Vet Costs for required Treatment (excluding Specialised Therapies), We will reimburse or pay a portion of Your incurred Vet Costs related to the Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.

If during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers an Illness (excluding Dental Illness and Behavioural Conditions) and You incur Vet Costs for required Treatment (excluding Specialised Therapies), We will reimburse or pay a portion of Your incurred Vet Costs related to the Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.

If during the Period of Insurance and after any applicable Exclusion Period, it is deemed necessary by Your Vet to euthanise Your Pet because of a covered Injury or Illness, We will reimburse or pay a portion of Your incurred Vet Costs related to euthanasia up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.

If during the Period of Insurance and after any applicable Exclusion Period, Your Pet accompanies You on a trip of not more than sixty (60) days to New Zealand or Norfolk Island and suffers an Injury or Illness (excluding Dental Illness or Behavioural Conditions) and You incur Vet Costs for: a. required Treatment (excluding Specialised Therapies); and/or b. euthanasia if deemed humane and essential by Your Vet, We will reimburse or pay a portion of Your incurred Vet Costs related to Treatment and/or euthanasia up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.

If during the Period of Insurance, You are unexpectedly hospitalised for four (4) or more consecutive days, and it is not reasonable for someone who lives with You to look after Your Pet and is therefore necessary for Your Pet to board at a licenced kennel or cattery, We will reimburse a portion of Your incurred boarding costs for a period of up to 30 days up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance.

Dental illnessIf during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers a Dental Illness and You incur Vet Costs for required Treatment (excluding Specialised Therapies), We will reimburse or pay a portion of Your incurred Vet Costs related to the Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance. Example Dental Illnesses: Dental diseases, gingivitis, periodontal disease.

If during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers a Behavioural Condition and You incur Vet Costs from a generalist Vet or a behavioural specialist Vet including costs related to supply of registered medications for required Treatment (excluding Specialised Therapies), We will reimburse or pay a portion of Your incurred Vet Costs related to the Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance. Example Behavioural Conditions: Dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders.

If during the Period of Insurance and after any applicable Exclusion Period, Your Pet suffers an Injury or Illness and You incur Vet Costs for required Specialised Therapies Treatment, We will reimburse or pay a portion of Your incurred Vet Costs related to the Specialised Therapies Treatment up to the Benefit Percentage and subject to the Annual Limit and Annual Excess as shown in Your Certificate of Insurance. Example Specialised Therapies: Acupuncture, physiotherapy, hydrotherapy.

• health exams, annual check-ups and vaccinations;
• parasite prevention;
• shampoo/conditioners including medicated ones;
• food, including prescription food and supplements.

There is no cover for the spaying or neutering of your pet. We do however cover additional Vet Costs for required Treatment of complex cryptorchid (undescended testicles) if it is not a Pre-existing Symptom and Condition. We will reduce the Vet Costs by the amount the Vet would have charged for neutering before applying the Benefit Percentage.

We do not cover Vet Costs or any other costs attributable to Treatment for Brachycephalic Obstructive Airway Syndrome (BOAS) unless the Brachycephalic Obstructive Airways Syndrome (BOAS) Application form is completed and accepted by Us.

• Actions or neglect resulting in Vet Costs or additional Vet Costs including not following Your Vet’s advice
• Vaccinatable diseases if not up to date with vaccinations

• Specialised Therapies (unless You have chosen to include as Optional Extras Benefits)
• Experimental Treatments
• Breeding related Treatments
• Elective procedures or activities

• Emergency costs when it was not an emergency
• Medications not registered or approved in Australia (or in New Zealand/Norfolk Island in respect of section 4 in the PDS)
• Costs after Your Pet’s death

• Exclusion Periods
• Epidemics, pandemics or new influenza
• Nuclear or radioactive weapons/materials
• Acts of war or civil unrest
• Any illness or injury whist Your Pet is under a transport company’s care, such as an airline or courier.