Finder makes money from featured partners, but editorial opinions are our own.

Petcover pet insurance

Petcover offers a wide range of policies to help protect your cats, dogs, birds and more.

Not enough reviews Write a review
PetCover Pet Insurance
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

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.

What pet insurance policies does Petcover offer?

Tick icon

​​Superior plan

The Superior plan is the most comprehensive level of cover from Petcover. Receive up to $20,000 cover for dogs and $15,000 cover for cats to help you pay vet expenses for treatments due to injury, accident or illness. It also includes up to $4,000 cover for complementary treatments such as acupuncture and hydrotherapy, as well as up to $2,000 for loss due to theft or straying.

  • Cover for advertising and reward costs if your pet goes missing
  • Holiday cancellation, quarantine expenses and emergency repatriation
  • Cover from 8 weeks up until 8th birthday for select breeds
  • Continue to claim for ongoing treatment of injuries or illness throughout your pet's lifetime
  • $5 million third-party liability cover included for dogs

Extras icon

Mid-range plan

With Petcover's Mid-range plan, you can choose co-payment, excess and optional extras for dogs and cats. It provides up to $15,000 in veterinary fees plus $2,000 cover for complementary treatments, cover for boarding fees and $1 million third-party liability cover for dogs.

  • Up to $3,000 cruciate ligament benefit
  • Continue to claim for ongoing treatment of injuries or illness throughout your pet's lifetime
  • Optional day-to-day care cover includes dog training and microchipping

Save money icon

Safety-net plan

This is a budget-level plan that provides up to $10,000 veterinary fee cover for dogs and cats. Other benefits include up to $1,000 cover for complementary and alternative treatments and $1 million third-party liability insurance for dogs.

  • Up to 100% back on vet fees
  • Up to $400 for consultations
  • No age limit for economy policy

Horse icon

Horse plans

Petcover's horse plans range from basic cover to tailored extras and senior plans with and without veterinary fees. There's also the option to purchase a liability-only cover for any damage or injury you are legally responsible for as a result of your horse.

  • Cover for up to 29 years old
  • $250 fixed excess
  • Receive a death benefit for illness or injury
  • Tailor policy with optional extras such as cover for your horse float or damage to saddlery and tack

Turtle icon

Exotic Pet plans

Petcover also covers your pet reptile, turtle, bird or small mammal. Choose from its Premier, Plus or Value policies. All policies have a multi-pet discount and age limits differ per exotic animal. Be sure to check with Petcover before applying.

  • Premier: Up to $6,000 of vet fees covered. This policy is not available for small mammals.
  • Plus: Up to $4,000 of vet fees covered.
  • Value: Up to $2,000 of vet fees covered.
  • Up to $1 million third-party liability
  • Up to $500 for alternative or complimentary treatment

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.

Dog breed1-year-old5-year-old
Maltese Cross$1,216.33$1,599.53
Cavoodle$1,271.88$1,673.77
Labrador$1,660.68$2,193.43
Staffordshire Bull Terrier$1,466.27$1,933.59
Border Collie$1,327.41$1,748.00

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 locations
  • If your pet is desexed.

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.

Frequently asked questions about Petcover

What do Australians think of Petcover pet insurance brand?

  • 4.07/5 overall for Customer Satisfaction — lower than the average of 4.15
  • 4.43/5 for Trust — higher than the average of 4.39
  • 4.09/5 for Customer Service — lower than the average of 4.16

Based on Petcover pet insurance brand scores in Finder's 2024 Customer Satisfaction Awards.

Compare alternative pet insurance policies

Name Product AUFPI Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Plus Cover
tick
tick
$3,000
$25,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Medibank Pet Max Cover with Extra Care
tick
tick
$30,000
$30,000
90%
90%
⭐Finder Exclusive: Get your 1st month’s premium free when you chews Medibank Pet Insurance. Sign up using promo code FINDERONE. Offer ends 16 December 2024. T&Cs apply.
Everyday Comprehensive Plus Cover
tick
tick
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
tick
tick
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
PIA Major Medical Cover
tick
tick
$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 PIA202. T&Cs apply.
Coles Premium Cover
tick
tick
$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.
PD Deluxe Plan
tick
tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Fetch Pet Insurance
tick
tick
$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Pet Circle Dog Cover
tick
tick
$10K or $17.5K or $30K
$30,000
70% or 80% or 90%
70% or 80% or 90%
Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
Vets Choice Elite Cover
tick
tick
$2,500
$15,000
80%
80%
Get a 5% discount when you insure more than one pet.
Guardian Platinum Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Petsy Custom Cover
tick
tick
$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.
Real Premium Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Ultimate Plus Accident and Illness Cover
tick
tick
$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.
loading

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

Alexandra Koster's headshot
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

More guides on Finder

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

2 Responses

    Default Gravatar
    GinaApril 4, 2018

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

      AvatarFinder
      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

Go to site