Petcover Pet Insurance
review
Petcover Pet Insurance 4.8/5
PetCover Pet Insurance is a leading provider of pet insurance that offers comprehensive and customizable coverage options to meet the unique needs of pet owners. They understand the importance of pets in our lives and strive to offer affordable and reliable insurance policies to help protect pets from unexpected illnesses and accidents. With a commitment to exceptional customer service, PetCover Pet Insurance provides peace of mind to pet owners everywhere.
Here are the basic Details for the company:
Name - Petcover Pet Insurance
Address - 1/3 Smolic Ct, Tullamarine VIC 3043, Australia
Phone number - 1300 731 324
Petcover Pet Insurance is one of Australia’s best insurance provider with the most comprehensive coverage. The company is under the Lloyd’s of London, which is one of the world’s most significant insurance underwriters.
What sets this company apart from the others is that their coverage is not only for dogs and cats, but also for other pets like birds, turtles, and rabbits. They also provide straight-forward, exotic, and rare pet insurances with a wide variety of options of your choice.
Petcover Insurance has three plans you can choose. The Value plan is the basic plan which is available for both large and small mammals. The coverage for birds, reptiles, turtles, and other small mammals for this policy is $2,000 annually. The coverage composes accidental injuries and illnesses as well. The plan also entitles your pet up to $300 of alternative therapy or complementary treatment. It also has an advertising and reward benefit capped at $500.
The standard plan for the Petcover is the Plus plan. The program entitles you a $4,000 annual veterinary fee cover, including accidental injuries and illnesses. You also have a $400 benefit for alternative therapy and complementary treatment, along with a $500 worth of advertising and reward, just in case your pet gets lost.
The Premier plan is a comprehensive policy. It allows you to cover up to $6,000 worth of veterinary costs annually. The program also entitles you for alternative therapy and complementary treatment of up to $500. In case your pet gets lost, you can advertise and claim a reward of $500.
What we love about the policies of Petcover is that it allows you to cover up to $20,000 worth of vet fees for your dog and $15,000 for your cats. The plans also entitle you with a multi-pet discount wherein you can have a markdown if you enrol more than one pet in your policy. Your pet is also secure throughout its life with its Lifetime protection.
If your pet also causes death upon another pet or person, incur injuries, or property damage, you are entitled to a third-party liability worth of up to $5 million.
However, there are specific exclusions on the policies of the company. Any pre-existing conditions are not part of the inclusions in the coverage. If your pet has incurred any treatment in the past due to an illness and needs further attention, it will not cover additional procedures. That is why it is better that you enrol your pet at the minimum age requirement for the policy. Your pet’s day-to-day care is also part of the exclusions on the coverage. Daily care includes vaccinations, micro-chipping, or de-worming. In some insurance plans, dental care is an add-on option for their comprehensive plan; however, Petcover excludes dental care for their policies.
Some experts also think that the company’s 100% reimbursement rate is too good to be accurate as Petcover is a smaller plan compared to the other insurance plans.
Do not forget to read the terms and conditions carefully before having a deal with any insurance providers and make sure that your pet’s needs have full coverage in any insurance policy that you get.
Why we like
Petcover Pet Insurance
Award Winner: During 2020 and 2021, Petcover was recognised with Canstar's Pet Insurance Star Ratings & Awards for Exceptional Value in the Accident and Sickness Pet Insurance category. The company went on to receive Canstar's Excellent Value Award for Comprehensive Pet Insurance in 2021, making it the only award recipient to rank in both categories. Winner: During 2020 and 2021, Petcover was recognised with Canstar's Pet Insurance Star Ratings & Awards for Exceptional Value in the Accident and Sickness Pet Insurance category. The company went on to receive Canstar's Excellent Value Award for Comprehensive Pet Insurance in 2021, making it the only award recipient to rank in both categories.
Low Cost: No one wants to spend more on pet insurance than is necessary. Fortunately, Petcover turned out to have some of the lowest premiums of the 20 pet insurance policies we compared. Also, it's important to note that Petcover frequently enables first-time users to save even more money in the first year by offering a variety of introductory deals that change over time. Before applying, look for our promo codes and discounts page to find Petcover's most recent introductory offer.
Discount for several pets: While the specific discount is not readily available, Petcover does promote that it gives pet owners a discount for multiple pets when insuring "3+ eligible pets."
High Yearly Claim Limit: As you can see from the list of pet insurance alternatives above, Petcover is far from a one-size-fits-all insurance company. As a result, we lack the room to discuss all the yearly claim limitations for each type and level of coverage. But, it is important to note that the greatest level of coverage for dogs and cats, respectively, is $20,000 and $15,000, respectively. Petcover might be a fantastic choice if you require a higher limit like this.
Wide Variety of Coverage: Once more, Petcover offers a wide variety of cover options. Petcover offers nine sub-levels of coverage for dogs and cats, however some companies only offer one level of protection.
Also, many pet insurance companies only give coverage for dogs and cats. Petcover, on the other hand, offers a range of cover levels for both horses and exotics, such as birds, small mammals, lizards, turtles, and tortoises. Petcover claims to be Australia's sole provider of exotic pet insurance, which includes coverage for veterinary costs, alternative and complementary treatments, death due to disease or accident, reward and advertising in the event that a pet goes missing, among other things.
Customizable Cover: In addition to offering a wide variety of cover types, Petcover also enables you to customise your cover, giving you greater freedom to fit your pet's needs and your budget. You might be able to select your excess and co-payment, for instance, depending on the sort of coverage you choose.
Third Party Liability: Petcover offers this coverage on specific cover levels, either as an included or an add-on, but many pet insurance plans do not. While the feature varies depending on the Petcover plan you choose, you might be eligible for up to $1 million in coverage for third-party liability claims, which might assist you avoid being held financially responsible in the event that your pet is involved in an accident or incident.
The many extras offered by Petcover that are not often included in other pet insurance plans we have researched were one crucial consideration we took into account as we compared their pet insurance alternatives. While contents differ based on the type of cover, the following are a few that stand out.
Demise due to Sickness (this offers cover for the price you paid for your pet – or the market value – if your pet dies of an injury or an illness before 8 years of age).
Demise due to Injuries (this offers cover for the price you paid for your pet – or the market value – if your pet dies of an injury or an illness before 8 years of age).
Crisis boarding (this offers cover for the cost of boarding your pet at a licenced kennel, or towards the cost of someone looking after your pet while you are an inpatient in hospital).
Publicity & Reward (this offers cover to assist with the cost of advertising and the reward offered if your pet is stolen or goes missing).
Loss from Robbery or Strays (this offers cover for the price you paid for your pet – or the market value – if your pet is stolen or goes missing and does not return).
Holiday Cancellation (this offers cover for the value of any unused travel and accommodation expenses that you have paid for due to your pet requiring lifesaving medical help).
Quarantine Expenses & Loss of Documents (this offers cover for costs associated with your pet being quarantined; to get duplicate documents and/or extra costs to travel home if the delay in getting duplicate documents has caused you to miss your scheduled travel arrangements).
Emergency Returning (this offers cover for the costs to get your pet home if your pet is too unwell to travel home the same way it travelled to your holiday destination).
Simple & Fast Claims: Petcover promises to have a claims team with veterinary training. As a result, it claims to provide a quick and simple claims process that can be finished online or by mail.
Lifetime Coverage: Petcover pet insurance offers lifetime coverage on a number of its plans, albeit it is not available for all cover types. In essence, this means that as long as there is no interruption in cover, you can continue to enjoy cover as your pet ages.
What's good about
Petcover Pet Insurance
Not just dogs and cats, but a variety of unusual creatures are covered.
One of the highest possible limitations, up to $20,000 in vet expenditures is covered.
A selection of 25 policies and a number of add-ons are available to further customise your insurance.
