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Petcover pet insurance

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

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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.

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  • 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


  • 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.

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?

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​​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

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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

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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

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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 30 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

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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$1,116.20$1,481.85
Staffordshire Bull Terrier$1,248.70$1,658.95
Border Collie$1,222.20$1,623.53

Petcover pet insurance reviews

​​We looked through Petcover's customer reviews on 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
  • 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.
expert advice

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

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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.

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2 Responses

    Default Gravatar
    GinaApril 4, 2018

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

      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.


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