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
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Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
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-existingconditions — This refers to conditions your pet had before the policy started (or during the waiting period) are excluded.
Dentalillness — Dental disease is typically excluded unless it results from an accident.
Breedingcosts — These are treatments related to pregnancy or breeding.
Electiveprocedures — 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
Vet fee-only insurance covers the cost of vet treatment if your pet gets sick or injured. It doesn't include routine care like vaccinations or preventative treatments. CoverMy Pet's policies fall into this category, making them a more affordable option for pet owners who don't need extras.
No. Like most pet insurers, CoverMy Pet does not cover pre-existing conditions. These are health issues your pet had before the policy started or during the waiting period. This is standard across the industry, so it's worth insuring your pet while they're young and healthy.
Most vet fee-only policies allow you to visit any registered, licensed vet in Australia. However, check the PDS to confirm this applies to your plan before booking treatment.
Dental illness is generally excluded with CoverMy Pet. Dental injuries caused by an accident may be covered.
You can get a quote online at covermy.au or by calling 1300 894 464. You'll need your pet's species, breed, age and postcode.
If you're looking for basic, affordable protection against unexpected vet bills and don't need extras like routine care or dental cover, CoverMy Pet offers a competitive price point with lifetime cover included. However, the $8,000 maximum annual benefit is lower than some other providers, so it may not be sufficient for pets that are high-risk breeds or prone to expensive ongoing conditions.
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.
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