CoverMy Pet pet insurance review

CoverMy Pet keeps things simple with vet fee-only cover starting from $11.16 a fortnight. Here's what you get (and what you don’t).

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Ceyda Erem

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CoverMy Pet Insurance

Key takeaways

  • CoverMy Pet covers accidents and illnesses but doesn't include routine care like vaccinations or desexing.
  • Up to 85% back on eligible vet bills across all three plans, with annual benefit limits ranging from $2,000 to $8,000 and a $100 excess per claim.
  • CoverMy Pet policies are designed to help keep pet insurance affordable throughout a pet's lifetime, with one of the lowest-entry premiums and premium caps to support long-term affordability.

Pros

  • CoverMy Pet covers hereditary conditions (provided they are not pre-existing)
  • Lifetime cover included across all three plans
  • Up to 85% back on eligible vet bills, with the option to pay your vet directly

Cons

  • No routine care add-on available
  • Maximum $8,000 annual benefit is lower than many competitors

Compare pet insurance from CoverMy Pet

3 of 3 results
Checked 11 October 2026
Finder Score Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Reimbursement Rate
9.2 Excellent
$2,000
$1,750
85%
85%
Get quote View details
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CoverMy Pet Insurance logo
9 Excellent
CoverMy High Cover
9 Excellent
$8,000
$3,000
85%
85%
Get quote View details
Compare product selection
CoverMy Pet Insurance logo
9.1 Excellent
CoverMy Regular Cover
9.1 Excellent
$4,000
$2,500
85%
85%
Get quote View details
Compare product selection
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Showing 3 of 3 results

Finder Score for pet insurance

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Why choose CoverMy Pet?

  • With dog insurance from $14.66 and cat insurance from $11.16 a fortnight, CoverMy Pet is designed to keep premiums manageable without cutting corners on the essentials.
  • Choose between $2,000, $4,000 or $8,000 in annual vet fee cover, depending on your pet's needs and your budget.
  • All three plans reimburse up to 85% of eligible vet costs, so you're not left carrying the full bill after an unexpected trip to the vet.
  • Once you're covered, your pet won't be excluded from an ongoing condition just because they've claimed for it before.
  • CoverMy Pet can pay your vet directly, so you don't need to pay the full invoice upfront and wait to be reimbursed.
  • Policies are administered by Petplan Australasia, giving CoverMy Pet a depth of industry knowledge that newer insurers can't match.

What's not covered?

As a vet fee-only policy, there are some notable exclusions:

  • Routine and preventative care — This includes things like vaccinations, desexing, microchipping, teeth cleaning, heartworm prevention and health checks.
  • Pre-existing conditions — This refers to conditions your pet had before the policy started (or during the waiting period) are excluded.
  • Dental illness — Dental disease is typically excluded unless it results from an accident.
  • Breeding costs — These are treatments related to pregnancy or breeding.
  • Elective procedures — This refers to treatments that aren't deemed medically necessary by a vet.

Keep in mind, these are just some of the exclusions. For a full list, please read the CoverMy Pet PDS.

How to make a claim with CoverMy Pet

CoverMy Pet accepts claims online through its website. You'll need:

  • Your policy number
  • A copy of the vet invoice
  • Your vet's consultation notes (for illness claims)

Claims can also be paid directly to your vet where eligible. Contact CoverMy Pet on 1300 894 464 if you need assistance during the claims process.

Frequently asked questions

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Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

Ceyda's expertise
Ceyda has written 222 Finder guides across topics including:
  • Insurance
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