PetsOnMe Deluxe Plan

Comprehensive injury and illness cover for cats and dogs

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Description

Insurer
PetsOnMe
Policy
Deluxe Plan
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
$15,000
Benefit paid per claim
80% vet bill covered

Excesses

Excess
Choose excess from $100, $200 or $300

Covered events

Injury
  • Comprehensive cover
  • No waiting period
Illness
  • Comprehensive cover
  • 21 day waiting period
Vet consults
  • Up to $80 per consult
  • Up to $200 per specialist consult or house call
Emergency treatment
Up to $200 per consult
Pre-existing conditions
Can be covered if condition is fully cured and considered temporary and have no relation to an underlying condition

Additional benefits

Routine care
Alternative therapies
1
Lost animal
Necessary euthanasia
1
Telehealth vet service
Legal liability
  • Covered
  • Up to $10000

Conditions

Allergic reaction
  • Covered
  • No cover for allergic reaction to products used to maintain the cleanliness of pet or products for treatment of ectoparasites
Brachycephalic Airway Obstruction Syndrome
Behavioural conditions
Cancer
  • Covered
  • Standard waiting periods
Cruciate ligament conditions
  • Covered
  • 180 day waiting period
Ear conditions
  • Covered
  • No cover for presbycusis
  • Standard waiting periods
Eye conditions
  • Covered
  • Cover includes cherry eye caused by accidental injury
  • No cover for glaucoma
  • Standard waiting periods
Dental and oral health conditions
  • Covered for illness
  • Cover limited to abscesses, gingivitis, cavities, tooth fracture, dental disease as a result of infection and retained deciduous teeth
  • Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face
  • 180 day waiting period
  • Treatment for retained deciduous teeth, dental disease as a result of infection and tooth fracture limited to tooth extraction
  • Does not cover teeth cleaning/scaling, elective treatment, odontoclastic resorptive lesions, corrective treatment, cosmetic dental surgery, root canal, crowns or orthodontic treatment
Ingestion of a foreign object
  • Covered
  • Up to 1 incident per year
  • 21 day waiting period
Heart conditions
  • Covered
  • Standard waiting periods
Orthopaedic conditions
  • Covered
  • Standard waiting periods
Patella luxation
  • Covered
  • 180 day waiting period
Joint conditions
  • Covered
  • No cover for arthritis
  • Does not cover joint replacement
  • Standard waiting periods
Intervertebral disc disease
  • Covered
  • 21 day waiting period
Hereditary conditions
  • Covered
  • Up to $3800
  • 180 day waiting period
Pregnancy and obstetrics
Illness caused by parasites
  • Covered
  • Cover limited to tick paralysis
  • Insurer requires up to date preventative treatments
  • No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used
  • Standard waiting periods
Skin conditions
  • Covered
  • No cover for mange
  • No cover for conditions caused by products used to maintain the cleanliness of pet or products for treatment of ectoparasites
  • Standard waiting periods
Snakebite
  • Covered
  • Standard waiting periods
Vaccinatable Conditions
  • Covered
  • Insurer requires current vaccination for parvovirus, canine distemper, Canine infectious hepatitis, kennel cough, leptospirosis, Feline Viral rhinotracheitis, feline calicivirus, feline panleukopenia and cat flu, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), feline chlamydiosis and Feline peritonitis (FIP) and disease for which vaccination is recommended by vet/Australian government

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