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Knose Pet Insurance

Comprehensive injury and illness cover for cats and dogs

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Description

Insurer
Knose
Policy
Pet Insurance
Underwriter
Pacific International Insurance Pty Ltd
Policy type
Comprehensive injury and illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
6 weeks
Maximum age for new cover
8 years
Maximum benefit per year
Choose from $7500, $12500 or $25000
Benefit paid per claim
Choose from 70%, 80% or 90% vet bill covered

Excesses

Excess
Choose excess from $0, $100 or $200

Covered events

Injury
  • Comprehensive cover
  • 1 day waiting period
Illness
  • Comprehensive cover
  • 14 day waiting period
Vet consults
1
Emergency treatment
1
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 3–24 months (depending on condition)

Additional benefits

Routine care
Pet care plans sold separately
Alternative therapies
Optional
Lost animal
Necessary euthanasia
1
Telehealth vet service
  • Call or online chat with a registered vet nurse
  • Available 24/7
Legal liability

Conditions

Allergic reaction
1
Brachycephalic Airway Obstruction Syndrome
  • Optional
  • Insurer requires you to apply for cover
  • No waiting period
Behavioural conditions
  • Optional
  • Cover includes dietary indiscretion, excessive licking, fur pulling, pacing, destructive chewing, anxiety, aggression and obsessive behavioural disorders
  • 6 month waiting period
Cancer
  • Covered
  • Standard waiting periods
Cruciate ligament conditions
  • Covered
  • 6 month waiting period
Ear conditions
  • Covered
  • Standard waiting periods
Eye conditions
  • Covered
  • 6 month waiting period for cherry eye, entropion and ectropion
  • Standard waiting periods for other conditions
Dental and oral health conditions
  • Optional
  • Cover includes dental diseases, gingivitis, periodontal disease, gingival disease and tumours/growths
  • 14 day waiting period (pets under 1 year)
  • 6 month waiting period (pets over 1 year)
  • Treatment includes dental cleaning/scaling
  • Does not cover aesthetic/cosmetic dental procedures, caps, crown amputation, crowns, elective/routine procedures, endodontic procedures, fillings, implants, orthodontics, removal of deciduous teeth or root canals
Ingestion of a foreign object
  • Covered
  • Standard waiting periods
Heart conditions
  • Covered
  • Standard waiting periods
Orthopaedic conditions
  • Covered
  • Standard waiting periods
Patella luxation
  • Covered
  • 6 month waiting period
Joint conditions
  • Covered
  • 6 month waiting period for hip dysplasia, elbow dysplasia and osteochondritis dissecans (OCD)
  • Standard waiting periods for other conditions
Intervertebral disc disease
  • Covered
  • 6 month waiting period
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Does not cover parasite prevention
  • Standard waiting periods
Skin conditions
  • Covered
  • Standard waiting periods
Snakebite
  • Covered
  • Standard waiting periods
Vaccinatable Conditions
  • Covered
  • Insurer requires documented evidence of up to date vaccinations for canine distemper virus (CDV), canine adenovirus (CAV), canine parvovirus (CPV-2), parainfluenza virus (PI), Bordetella bronchiseptica (Bb), leptospira interrogans, Feline Parvovirus (FPV), feline calicivirus (FCV), feline herpesvirus (FHV-1), feline leukaemia virus (FeLV) and Feline Immunodeficiency Virus (FIV) and chlamydia felis

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