Petcover award-winning pet insurance

Two children sit on sofa, playing with fluffy white dog.

If you’re looking for pet insurance that could save you forking out a tonne of money on your furry friend’s vet bills, Petcover could be a worthy candidate. Why you ask? Well, its Superior Cover policy has just won a 2021 Mozo Experts Choice Award^ for Exceptional Quality Pet Insurance!

"Exceptional quality pet insurance like Petcover’s has generous limits and a broad range of cover and options, so if you’re not on a tight budget, you may get more value out of a really comprehensive policy, rather than one that offers more limited cover," Mozo’s expert judge, Peter Marshall said. 

"That way, you can rest assured that if your pet ever does get really sick, you won’t end up with a massive vet bill. This could help you avoid being in a position where you’ve maxed out your annual benefit limit and you have to pay for those bills out of your own pocket." 

About Petcover 

Petcover is a privately-owned Australian pet insurance provider that offers cover for a wide range of animals, ranging from dogs and cats to horses to exotic birds. Petcover has a range of comprehensive policies, designed to fit a range of budgets and circumstances.

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

Petcover’s award-winning pet insurance policy* 

This is the third year in a row that Petcover’s Superior Pet Insurance Plan has received a Mozo Experts Choice Award^ for Exceptional Quality and it's not hard to see why. Of all the pet insurance plans Mozo assessed, Petcover’s Superior plan for cats and dogs offers some of the highest annual benefit limits.

With Petcover’s Superior Pet Insurance plan, you could claim up to $20,000 in annual vet fees for dogs and up to $15,000 in annual vet fees for cats, on eligible veterinary bills for the treatment of injuries, accidents and illness. 

On top of that this policy offers lifetime cover. That means that so long as you take out insurance for your dog or cat when they are an eligible age (more on that below) and renew the policy each year on time, they will still be insured past their eighth birthday. It also means that if your pet develops an ongoing medical condition while you are covered under the policy, you could still be able to claim. Although it should be noted that if your buddy already has ongoing conditions before applying for insurance, the condition itself will not be covered. This is called a ‘pre-existing condition’ and is often not covered by pet insurance providers.

Just keep in mind that there are age limits when taking out cover for the first time. Dogs can only be insured from eight weeks up to eight years (five years for select breeds). Cats must also be at least eight weeks old and cannot be any older than eight years, when taking out insurance for the first time.

The policy also comes with plenty of extra benefits, including: 

  • Alternative or complementary treatment, up to $4,000 
  • Death from illness, up to $2,000
  • Death from injury, up to $2,000
  • Loss by theft or straying, up to $2,000

But as with any type of insurance, it’s important that you read through the Product Disclosure Statement (PDS) and check the fine print before you choose a policy, so you’re aware of what is and isn’t covered. The PDS is available on Petcover’s website, but to get you started, here are a few details to note: 

  • Illness cover begins after a 21-day waiting period, which means you won’t be able to claim any amount from Petcover if your dog or cat falls ill within the first 21 days of your cover (this also excludes pre-existing conditions).
  • You must make sure you’re taking reasonable precautions to take care of your pet’s health throughout the policy. This means taking your pet to the vet for annual dental exams and general check-ups (including vaccinations) and following any advice given by the vet in order to prevent oral disease. Otherwise, you might have your claim reduced or refused. 
  • As soon as your pet shows signs of injury of illness, you must arrange a visit to the vet and follow any recommendations they give. If you don’t, the amount you’re paid under your claim could be lowered or rejected. 
  • Petcover's Superior Cover also requires you to pay a non-refundable excess. 

What are the Mozo Experts Choice Awards? 

On the hunt for pet insurance policies that have market-leading features? Then look no further than the Mozo Experts Choice Awards^ which showcases some great value products available in the Aussie marketplace. 

Our in-house team of experts have tirelessly scoured the market for exceptional quality and exceptional value products, working hard to conduct research based on objective verifiable facts, calculations and analysis. 

Wondering which other pet insurance providers have won awards this year? Jump over to the 2021 Mozo Experts Choice Pet Insurance Awards for a complete list of winners.

*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.

^See information about the Mozo Experts Choice Pet Insurance Awards