Petcover award-winning pet insurance

If you’re looking for quality and value-for-money pet insurance at a range of different budgets, then Petcover is a provider to watch this year. Taking out trophies across three different categories, Petcover’s Safety-Net Economy, Key + Routine Care, and Superior pet insurance policies all caught the eyes of our judges in the 2022 Mozo Experts Choice Awards^.

Petcover is a privately-owned Australian pet insurance provider that offers cover for a wide range of animals, ranging from cats and dogs, to horses, and even exotic birds. 

Petcover has a range of pet insurance policies, designed to fit most budgets and circumstances. Their policies are split up into three categories, of which there are three separate sub-categories of cover in each, with different limits, sub-limits and inclusions. 

Petcover’s tiers of pet insurance are as follows: 

• Safety-net plans (Economy, Catastrophe 1, and Catastrophe 2)
• Mid-range plans (Key, Vital, and Core) 
• Superior plans (Superior, Mid-point, and Entry).

Petcover’s pet insurance policies are underwritten by HDI Global Specialty-Australia, one of the world’s largest and most respected insurance underwriters.

For the Mozo Experts Choice Awards^ in 2022, Petcover took out an award in each tier they offer. 

Petcover’s Safety-net Economy plan took out one of the awards for Exceptional Value Accident & Illness Pet Insurance^. Their mid-range plan, Key + Routine Care, was among policies noted as Exceptional Value Comprehensive Pet Insurance^. Finally, one of Petcover’s top-tier comprehensive plans, Superior, took out one of the Exceptional Quality Pet Insurance^ awards. 

The Mozo judges based their decision on the generosity of benefits and the flexibility included in a pet insurance policy. If you’re interested in the specifics of the 2022 Mozo Experts Choice Awards criteria, including the 14 factors which the policies were measured against, check out the methodology report here. 

So, let’s take a look at what Petcover's award-winning pet insurance policies have to offer. 

Petcover Safety-net Economy Pet Insurance* 

Petcover’s Safety-net Economy plan offers an annual benefit limit of up to $7,000 for injury and illness, plus a fixed-rate excess of minimum $150 for dogs and $125 for cats (which goes up depending on your pet’s age).

Features worth noting with Petcover’s Safety-net Economy policy include:

• Up to $7,000 annual benefit limit
• Up to 100% back on eligible vet bills (T&Cs apply) 
• Excess starting at $150 for dogs and $125 for cats (depending on your pet’s age)  
• Accidental injury cover
• Illness cover
• Alternative therapy cover (up to $1,000)
• Third-party liability cover for dogs (up to $1 million)
• Boarding costs (up to $1,000)
• Advertising and reward if stolen or lost (up to $1,000)
• Holiday cancellation (up to $1,000)
• Multi-pet discount (3+ eligible pets).

Petcover Key + Routine Care Pet Insurance*

Petcover’s Key + Routine Care (Day to day care) plan offers an annual benefit limit of up to $15,000, plus your choice of excess ($0, $100, or $200).

This policy also includes ‘Umbrella for life’ – meaning that you can continue to claim costs for ongoing treatment of an illness or injury throughout your pet’s lifetime, as long as there isn’t a lapse or break in cover.

Features worth noting with Petcover’s Safety-net Economy policy include:

• Up to $15,000 annual benefit limit
• Accidental injury cover
• Illness cover
• Third-party liability cover for dogs (up to $1 million)
• Cruciate ligament cover (up to $3,000) 
• Vet consultations
• Paralysis tick over (up to $2,000 for first treatment) 
• Cancer treatment (up to $5,000) 
• Hip dysplasia 
• Skin conditions 
• Boarding fees
• Essential euthanasia
• Multi-pet discount (3+ eligible pets).

Petcover’s Day to day care, an optional extra benefit, includes a $50 annual benefit for one of the following routine care options, per year:

• Desexing
• Microchipping
• Heartworms
• Behavioural therapy
• Teeth cleaning 
• Council registration fees
• Alternative therapies
• Prescription diets
• Dewclaw removal 
• Dog training.

Petcover’s Day to day care also includes an individual annual benefit for all of the following routine care benefits:

• Vaccinations or health checks (up to $30)
• Heartworm test or blood screen (up to $10)
• FeLv/FIV test or urinalysis ($10)
• Flea/worm control (up to $45)

Petcover Superior Pet Insurance*

Petcover’s Superior plan offers an annual benefit limit of up to $20,000 for dogs and $15,000 for cats, plus a fixed-rate excess of minimum $150 for dogs and $125 for cats (which goes up depending on your pet’s age).

This policy also includes ‘Umbrella for life’ – meaning that you can continue to claim costs for ongoing treatment of an illness or injury throughout your pet’s lifetime, as long as there isn’t a lapse or break in cover. 

Features worth noting with Petcover’s Superior policy include:

• Alternative and complementary treatments for cats (up to $4,000) 
• Third-party liability cover for dogs (up to $5 million)
• Death from injury or illness (up to $2,000) 
• Boarding fees (up to $2,000) 
• Advertising and reward if stolen or lost (up to $2,000) 
• Holiday cancellation (up to $2,000)
• Emergency repatriation
• Multi-pet discount (3+ eligible pets).

However, keep in mind that reading the product disclosure statement (PDS) of your policy before purchasing it is the best way to understand if a policy meets your needs. You’ll also gain a deeper understanding of the benefit limits, sub-limits, inclusions, and exclusions of a policy – including Day to day cover (routine care) limits. The relevant PDS and Target Market Determination (TMD) can be found on the Petcover website .

For many Australians, picking financial products that suit your needs can be a time-consuming process – and not always easy. That’s why the Mozo Experts Choice Awards^ exist. 

Every year, our Mozo experts dive head-first into the ocean of insurance, loan, mobile, broadband, and banking products to fish out some of the best of the best financial products available in our database. 

With this year’s Pet Insurance awards, the focus was on showcasing exceptional value and exceptional quality across a range of 131 policies from 32 insurance providers, of which 21 awards were bestowed across our 10 winners. If you’d like to find out more about the other winners or our judging process, check out our methodology report at the Mozo Experts Choice Pet Insurance Awards winners page.

*Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement on the provider's website for further information before making any decisions about an insurance product.