Kogan Pet Primary Cover

Limited injury and illness cover for cats and dogs

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Description

Insurer
Kogan
Policy
Pet Primary Cover
Underwriter
PetSure (Australia) Pty Ltd
Policy type
Limited injury and 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
$8,000
Benefit paid per claim
80% vet bill covered

Excesses

Excess
Choose excess from $0 or $50

Covered events

Injury
  • Limited cover
  • No waiting period <b>Covers these specified injuries only:</b>
  • motor vehicle incident
  • burn or electrocution
  • allergic reaction to insect or arachnid bites
  • bone fracture
  • snake bite toxicity
  • 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
  • Limited cover
  • 30 day waiting period <b>Covers these specified illnesses only:</b>
  • ingestion of a foreign object
  • tick paralysis
  • heat stroke
  • gastric dilatation-volvulus (GDV)
  • trauma induced respiratory impairment
  • traumatic spinal disc rupture
  • torn nail
  • poisoning
  • embedded grass seed
  • soft tissue injury
  • eye trauma
  • intervertebral disc disease (IVDD)
Vet consults
Up to $300
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
  • Optional
  • Up to $80 for desexing, microchipping, heartworm control, teeth cleaning, prescription diets, cremation or burial, dental illness treatment, council registration fees, obedience training, behavioural therapy or alternative therapies
  • Up to $40 for 1 of: vaccination or health check, flea/tick/worm control, blood screens
Alternative therapies
  • Optional
  • Some cover available under routine care option
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
Behavioural conditions
  • Not covered
  • Some cover available under routine care option
Cancer
Cruciate ligament conditions
  • Covered as a specified injury
  • Up to $3200 for treatment in ACT and NT or WA
  • Up to $2600 for treatment in NSW, Qld, SA and Tas or Vic
  • 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
  • Standard waiting periods
Eye conditions
  • Covered
  • Specifically covered illnesses include eye trauma
  • Standard waiting periods
Dental and oral health conditions
  • Not covered
  • Does cover oral tumours
  • Some cover available under routine care option
Ingestion of a foreign object
  • Covered as a specified illness
  • 30 day waiting period
Heart conditions
Orthopaedic conditions
  • Covered
  • Specifically covered injuries include bone fracture
  • Standard waiting periods
Patella luxation
Joint conditions
  • Covered
  • Standard waiting periods
Intervertebral disc disease
  • Covered as a specified illness
  • 30 day waiting period
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Specifically covered illnesses include tick paralysis
  • No cover for conditions caused by ticks, fleas, skin/ear mites or intestinal worms
  • Up to $1200 for tick paralysis
  • Standard waiting periods
  • Some cover available under routine care option
Skin conditions
  • Covered
  • Standard waiting periods
Snakebite
  • Covered as a specified injury
  • Standard waiting periods
Vaccinatable Conditions
  • Not covered
  • Vaccine benefit available under routine care option

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