Petcover pet insurance

Pick from a wide range of policies – up to $20,000 in cover for dogs, $15,000 for cats and up to $6,000 for birds, reptiles, turtles and small mammals. Petcover policies are underwritten by HDI Global Specialty SE Australia.

Why choose Petcover?

• Up to $20,000 cover. Petcover allows you to take out up to $20,000 cover for vet fees for your dog, or $15,000 cover for vet fees for your cat. This is one of the highest levels of cover we've seen, beaten by only Petsy and Knose.
• Multi-pet discount. If you insure 3 or more pets with Petcover, you are entitled to a premium discount of 10%.
• Lifetime protection. If you're worried about your pet developing a chronic health issue, a Lifetime policy from Petcover ensures that your furry friend is protected throughout its life.
• Wide range of choice. Petcover offers multiple cover choices and policy options, allowing you to choose cover that suits your budget and tailor a policy to your pet's insurance needs.
• Rewards to find lost or stolen pets. If your pet is lost or stolen, Petcover can pay a benefit so you can offer a reward to anyone who finds and safely returns your 4-legged friend.
• Up to $5 million liability cover for dogs. If you have a legal liability as a result of your dog causing death, bodily injury, illness or property damage, Petcover's policies provide up to $5 million in cover.

Congratulations, Pet Cover

Petcover came in first place overall, scoring 4.32/5 for Customer Satisfaction in 2023. Of the people surveyed, 88% said they would recommend Petcover to a friend. It's also one of the only insurers to offer horse and exotic pet insurance.

Full list of 2023 winners

What pet insurance policies does Petcover offer?

Petcover pet insurance cost

To help give you an idea about costs for Pet cover pet insurance, we collected annual quotes for some of Australia's favourite dog breeds. Prices will differ based on your dog's age, breed and your address. It's worth comparing policies and getting a few quotes.

• See how we got these annual prices

  • Pet: Dog
  • Breed: Maltese Cross, Cavoodle, Labrador, Staffordshire Bull Terrier, Border Collie
  • DOB: 1 June 2022 and 1 June 2018
  • Sex: Female
  • Policy: Superior
  • Quotes updated in July 2023
  • Desexed: Yes
  • Excess: $150
  • Owner's DOB: 28 March 1995
  • Address: New South Wales, 2155

Petcover pet insurance reviews

​​We looked through Petcover's customer reviews on productreview.com from December 2011 to February 2022. Here's a summary of how its reviews stack up against other brands:

• Most claims are resolved within 2 weeks.
• It has over 400 5-star reviews, which is more than PetSecure, although PetSecure has fewer reviews and a higher rating overall.
• It has a lower rating than other pet insurers, including Coles Pet Insurance, Knose and Petinsurance.com.au.
• It has 512 negative reviews – more than Pet Insurance Australia which has also received more reviews overall.

If you're an existing or previous customer of Petcover pet insurance, we'd love to hear from you. Leave a quick review here.

What isn't covered?

• Illnesses within the initial 21-day waiting period.
• Pre-existing conditions.
• Your dog is used for guarding, track racing or coursing.
• It is for a breed of dog banned by the Australian government.
• It is for any claim that arises due to your pet being confiscated or destroyed by any government, public or local authority.
• It arises due to a malicious act, deliberate injury or bodily injury, or gross negligence caused by you, a member of your family or someone acting with your consent.
• It results from a disease transmitted from animals to humans.
• It is caused by any pandemic disease.
• Your pet does not have required vaccinations.
• You fail to take reasonable precautions to protect your pet.

How to file a claim with Petcover

If you need to make a claim on your policy, a claim form is available to download from the Petcover website. You will need to provide the following information when completing the form:

• Your name, contact details and policy number.
• Your pet’s name and age.
• Details of your pet’s illness or injury.

Your vet will also need to fill out a section of the form to provide detailed information about the illness or injury, your pet’s medical history and the amount being claimed.

Once completed, the claim form can be submitted to Petcover by post or email. You will also need to attach all invoices and receipts to ensure prompt processing. Claims for vet fees and complementary treatment must be lodged no more than 1 year after the treatment date.

Why you can trust Finder's pet insurance experts

We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions about Petcover

• Who is the insurer of Petcover policies?

  HDI Global Specialty SE Australia.

• How old does my pet need to be to be eligible for cover?

  Your dog or cat must be at least 8 weeks old and less than 8 years of age. Age limits for other pets are as follows:

  • Horses from 30 days to 30 years
  • Birds from 12 weeks to 25 years
  • Reptiles from 8 weeks to 15 years
  • Turtles/tortoises from 12 weeks to 30 years
  • Small mammals from 8 weeks to 5 years

• Is there a cooling-off period?

  Yes, a 21-day cooling-off period applies to Petcover policies, which allows you to cancel your policy within the first 21 days and receive a 100% refund.

• Does my policy cover treatment for tick paralysis?

  Yes, tick paralysis treatment costs are included in the cover.

• Can I claim the cost of vaccinations or desexing?

  Yes, the Mid-range plan has the option to add on day-to-day care cover that includes benefits for both vaccinations and desexing.

• Is there a no-claims discount?

  No, Petcover does not offer a no-claims discount.

Compare alternative pet insurance policies

Name	Product	Accidental Injury	Illness	Paralysis Tick Yearly Sub-Limit	Maximum yearly benefit	Reimbursement rate	Reimbursement Rate
Medibank Pet Max Cover with Extra Care Exclusive				$30,000	$30,000	90%	90%	⭐Finder Exclusive: Get your 1st month’s premium free when you choose Medibank Pet Insurance. Sign up using promo code FINDERONE. Offer ends 12 December. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Everyday Comprehensive Plus Cover				$3,000	$30,000	80%	80%	Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Budget Direct Pet Insurance				$1,500	$12,000	80%	80%	Current Offer: Apply online and get 15% off your first year's premium PLUS go in the draw for your chance to win 1 of 3 $10,000 cash prizes. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Kogan Pet Luxury Cover				$2,000	$15,000	80% up to age 8 & 65% over age 8	80% up to age 8 & 65% over age 8	Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Coles Premium Cover				$2,500	$15,000	80% or 100%	80% or 100%	Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
PD Deluxe Plan				$15,000	$20,000	100%	100%	Apply online and get your first 1 month free. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Pet Circle Dog Cover				$10K or $17.5K or $30K	$0	70% or 80% or 90%	70% or 80% or 90%	Get quote View details	Compare	loading Fetching your data...
Vets Choice Elite Cover				$2,500	$15,000	80% or 100%	80% or 100%	Get a 5% discount when you insure more than one pet.	Get quote View details	Compare	loading Fetching your data...
Guardian Platinum Accident & Illness Cover				$1,200	$12,000	80%	80%	Lifetime cover for cats and dogs, up to 80% covered.	Get quote View details	Compare	loading Fetching your data...
PIA Major Medical Cover				$3,000	$30,145	80%	80%	Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA241. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Petsy Custom Cover Exclusive				$5000 or $10,000 or $25,000	$0	80% or 90%	80% or 90%	⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...
Real Premium Accident & Illness Cover				$1,200	$12,000	80%	80%	Claim up to a maximum of $12k per year, with no excess to pay.	Get quote View details	Compare	loading Fetching your data...
RSPCA Ultimate Plus Accident and Illness Cover				$20,000	$20,000	80%	80%	Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.	Get quote View details	Compare	loading Fetching your data...
Australian Seniors Top Accident & Illness Cover				$1,200	$12,000	80%	80%	Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.	Get quote View details	Compare	loading Fetching your data...
Knose Pet Insurance Finder AwardExclusive				$25,000	$25,000	90%	90%	⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.	Get quote View details	Compare	loading Fetching your data...
Kogan Pet Primary Cover				$1,200	$8,000	80%	80%	Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.	Get quote View details	Compare	loading Fetching your data...

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