Who is the insurer of Petcover policies?

Sovereign insurance Australia Pty Ltd underwrites Petcover.

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:

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.

Petcover pet insurance

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Petcover offers a wide range of policies to help protect your cats, dogs, birds and other pets.
Fixed excess may not appeal to some customers.
They provide continuous coverage for the lifespan of the pet.

Pros

Cover available for a variety of exotic animals, not just dogs and cats.
Up to $20,000 vet expenses cover – one of the highest limits available.
25 policies to choose from, plus a stack of optional extras to further tailor your insurance.

Cons

Excess is fixed for most plans, which means you won't have the flexibility to lower your premium by choosing a higher excess.
No pre-approval of claims available.

How does Petcover pet insurance compare?

Finder Score	Maximum Yearly Benefit	Paralysis Tick Yearly Sub-Limit	Reimbursement rate	Accidental Injury
Finder Score 8.7 Great Petcover Superior Plan Exclusive	Finder Score 8.7 Great	$20,000	No sub-limit	100%	Finder exclusive: Signup to get the first 6 weeks free for pups and kittens under 1 year, using promocode: FINDER6WEEKS. For all other ages get the first 4 weeks free plus a $20 e-gift voucher when you purchase a policy, using promocode: FINDER50. T&Cs apply.	Get quote View details Compare product selectionCompare	loading
Finder Score 9.8 Excellent Petcover Vital Plan Exclusive	Finder Score 9.8 Excellent	$10,000	$2,000	70%, 80% or 90%	Finder exclusive: Signup to get the first 6 weeks free for pups and kittens under 1 year, using promocode: FINDER6WEEKS. For all other ages get the first 4 weeks free plus a $20 e-gift voucher when you purchase a policy, using promocode: FINDER50. T&Cs apply.	Get quote View details Compare product selectionCompare	loading
Finder Score 8.8 Great Petcover Mid-point Plan Exclusive	Finder Score 8.8 Great	$15,000	No sub-limit	100%	Finder exclusive: Signup to get the first 6 weeks free for pups and kittens under 1 year, using promocode: FINDER6WEEKS. For all other ages get the first 4 weeks free plus a $20 e-gift voucher when you purchase a policy, using promocode: FINDER50. T&Cs apply.	Get quote View details Compare product selectionCompare	loading
Finder Score 9.4 Excellent Petcover Key Plan Exclusive	Finder Score 9.4 Excellent	$15,000	$2,000	70%, 80% or 90%	Finder exclusive: Signup to get the first 6 weeks free for pups and kittens under 1 year, using promocode: FINDER6WEEKS. For all other ages get the first 4 weeks free plus a $20 e-gift voucher when you purchase a policy, using promocode: FINDER50. T&Cs apply.	Get quote View details Compare product selectionCompare	loading
Finder Score 9.3 Excellent Petcover Catastrophe 2 Plan Exclusive	Finder Score 9.3 Excellent	$10,000	No sub-limit	100%	Finder exclusive: Signup to get the first 6 weeks free for pups and kittens under 1 year, using promocode: FINDER6WEEKS. For all other ages get the first 4 weeks free plus a $20 e-gift voucher when you purchase a policy, using promocode: FINDER50. T&Cs apply.	Get quote View details Compare product selectionCompare	loading
Finder Score 8.7 Great Petcover Entry Plan Exclusive	Finder Score 8.7 Great	$10,000	No sub-limit	100%	Finder exclusive: Signup to get the first 6 weeks free for pups and kittens under 1 year, using promocode: FINDER6WEEKS. For all other ages get the first 4 weeks free plus a $20 e-gift voucher when you purchase a policy, using promocode: FINDER50. T&Cs apply.	Get quote View details Compare product selectionCompare	loading
Finder Score 9.3 Excellent Petcover Economy Plan Exclusive	Finder Score 9.3 Excellent	$7,000	Yes	100%	Finder exclusive: Signup to get the first 6 weeks free for pups and kittens under 1 year, using promocode: FINDER6WEEKS. For all other ages get the first 4 weeks free plus a $20 e-gift voucher when you purchase a policy, using promocode: FINDER50. T&Cs apply.	Get quote View details Compare product selectionCompare	loading
Finder Score 9.4 Excellent Petcover Catastrophe 1 Plan Exclusive	Finder Score 9.4 Excellent	$5,000	No sub-limit	100%	Finder exclusive: Signup to get the first 6 weeks free for pups and kittens under 1 year, using promocode: FINDER6WEEKS. For all other ages get the first 4 weeks free plus a $20 e-gift voucher when you purchase a policy, using promocode: FINDER50. T&Cs apply.	Get quote View details Compare product selectionCompare	loading
Finder Score 9.9 Excellent Petcover Core Plan Exclusive	Finder Score 9.9 Excellent	$5,000	$2,000	70%, 80% or 90%	Finder exclusive: Signup to get the first 6 weeks free for pups and kittens under 1 year, using promocode: FINDER6WEEKS. For all other ages get the first 4 weeks free plus a $20 e-gift voucher when you purchase a policy, using promocode: FINDER50. T&Cs apply.	Get quote View details Compare product selectionCompare	loading

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.

Read the full methodology

Petcover pet insurance deals

2 of 2 results

Name
Exclusive Get 6 weeks free for pups and kittens under 1 year Available on policies purchased via Finder. Promo code: FINDER6WEEKS. T&Cs apply. Get deal Get deal		loading Fetching your data...
Exclusive Get 4 weeks free for pets aged 1 year and over Available on policies purchased via Finder. Promo code: FINDER50. T&Cs apply. Get deal Get deal		loading Fetching your data...

Showing 2 of 2 results

Need better pet insurance?

Take our easy quiz and find a better deal.

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.

Petcover pet insurance cost

To help give you an idea about costs for Petcover 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.

1 of 1 result

Sample quote	Sample quote	Sample quote	Sample quote
Finder Score 9.3 Excellent Petcover Economy Plan Exclusive	Sample quote $1,247.88	Sample quote $1,247.88	Sample quote $1,087.32	Sample quote $2,095.92		Get quote View details Compare product selectionCompare	loading

Showing 1 of 1 result

Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Economy Plan
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011

Prices will differ based on a few criteria, including:

The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.

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.

Frequently asked questions about Petcover

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

Sources

Thank you for your feedback!

Written by

Alexandra Koster

Publisher

Alexandra Koster was Finder's publisher for car, home and pet insurance. She has a Tier 1 certification in General Insurance, as well as a Bachelor of Arts in Film and Cultural Studies from the University of Sydney. Her hobbies include reading Product Disclosure Statements and deciphering complicated insurance lingo to help people save on their insurance so that they can spend their money on better things – like dogs. See full bio

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2 Responses

GinaApril 4, 2018

is this insurance agentcy covering attack dog coverage which is what my landlord is requesting fo coverage

Finder

MayApril 4, 2018Finder

Hi Gina,

Thanks for your inquiry.

I’m afraid that there’s no insurance that can cover if a dog bites or attacks humans. Although depending on the insurance, there would be a cover if your dog injures another animal. If your landlord is worried about her/his legal culpability if her/his dog attacks someone she/he has to phone his/her state’s legal aid hotline.

Cheers,
May

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Petcover pet insurance

Cover your dog, cat and even bird with a comprehensive Petcover pet insurance policy.