Everyday Insurance Basic

Limited injury and comprehensive illness cover for cats and dogs

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Description

Insurer
Everyday Insurance
Policy
Basic
Underwriter
PetSure (Australia) Pty Ltd
Policy type
  • Limited injury cover
  • Comprehensive illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
No maximum age
Maximum benefit per year
$5,000
Benefit paid per claim
80% vet bill covered

Excesses

Excess
Choose excess from $0 or $200

Covered events

Injury
  • Limited cover
  • No waiting period <b>Covers these specified injuries only:</b>
  • motor vehicle incident
  • burn or electrocution
  • reaction to a bite from an insect, spider or scorpion (excluding fleas)
  • near drowning incident
  • bone fracture
  • traumatic tooth fracture
  • snake bite toxicity
  • ingestion of a foreign object
  • poisoning
  • traumatic ligament or tendon injury
  • bite wound or fight wound abscesses
  • lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
  • cruciate ligament condition
Illness
  • Comprehensive cover
  • 30 day waiting period
Vet consults
Emergency treatment
1
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Additional benefits

Routine care
Alternative therapies
Lost animal
Necessary euthanasia
1
Telehealth vet service
  • Text or video call with vet
  • Available 24/7
Legal liability

Conditions

Allergic reaction
1
Brachycephalic Airway Obstruction Syndrome
  • Covered
  • Standard waiting periods
Behavioural conditions
Cancer
  • Covered
  • Standard waiting periods
Cruciate ligament conditions
  • Covered as a specified injury
  • Up to $2000 per leg
  • Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
  • 6 month waiting period
Ear conditions
  • Covered
  • 30 day waiting period
Eye conditions
  • Covered
  • Standard waiting periods
Dental and oral health conditions
  • Not covered
  • Does cover traumatic tooth fracture, oral tumours and stomatitis
Ingestion of a foreign object
  • Covered as a specified injury
  • 30 day waiting period
Heart conditions
  • Covered
  • 30 day waiting period
Orthopaedic conditions
  • Not covered
  • Specifically covered injuries include bone fracture
Patella luxation
  • Covered
  • Standard waiting periods
Joint conditions
  • Covered
  • Covered treatments include total hip replacement
  • Up to $2000 for hip joint surgery (per hip)
  • Standard waiting periods
Intervertebral disc disease
  • Covered
  • Standard waiting periods
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Cover includes tick paralysis
  • No cover for conditions caused by external parasites, ticks, fleas or skin/ear mites
  • Up to $1500 for tick paralysis
  • Standard waiting periods
Skin conditions
  • Covered
  • Standard waiting periods
Snakebite
Covered as a specified injury
Vaccinatable Conditions
1

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