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.
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?
Compare other products
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How we picked these
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.
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?
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
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
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 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.
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
What isn't covered?
Illnesses within the initial 21-day waiting period.
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.
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.
We currently don't have that product, but here are others to consider:
How we picked these
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.
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
HDI Global Specialty SE Australia underwrites 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
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.
Yes, tick paralysis treatment costs are included in the cover.
Yes, the Mid-range plan has the option to add on day-to-day care cover that includes benefits for both vaccinations and desexing.
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.
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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.
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Pet Insurance Australia keeps finding coverage simple, with one comprehensive pet insurance policy. Apply securely online and pay nothing for the first 2 months.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
Owning a pet is one of life's greatest joys. Whether you have a dog or a cat, having pet insurance is essential.
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is this insurance agentcy covering attack dog coverage which is what my landlord is requesting fo coverage
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