Vets Choice Pro

Comprehensive injury and limited illness cover for cats and dogs

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Description

Insurer
Vets Choice
Policy
Pro
Underwriter
Guild Insurance Limited
Policy type
  • Comprehensive injury cover
  • Limited illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
8 weeks
Maximum age for new cover
8 years
Maximum benefit per year
$12,000
Benefit paid per claim
80% vet bill covered

Excesses

Excess
Choose excess from $200, $350 or $500

Covered events

Injury
  • Comprehensive cover
  • 21 day waiting period
Illness
  • Limited cover
  • 21 day waiting period <b>Covers these specified illnesses only:</b>
  • arthritis (investigation and diagnosis only)
  • diabetes (investigation and diagnosis only)
  • epilepsy (investigation and diagnosis only)
  • adrenal conditions
  • anal glands rupture
  • Brachycephalic Obstructive Airway syndrome (BOAS)
  • cancer
  • cherry eye
  • cruciate ligament condition
  • elbow dysplasia
  • entropion and ectropion
  • Feline Immunodeficiency Virus (FIV)
  • hernia
  • hip dysplasia
  • immune mediated blood disease
  • intervertebral disc disease (IVDD)
  • joint luxation
  • lumps, growths & cysts removal
  • non-diabetic cataract
  • osteochondritis dissecans (OCD)
  • Pancreatitis
  • pneumonia
  • thromboembolic disease
  • triaditis
  • Urinary Tract Infections, Diseases and Obstructions
  • vestibular disease
Vet consults
1
Emergency treatment
1
Pre-existing conditions
Can be covered if condition is temporary and fully cured

Additional benefits

Routine care
  • Optional, bundled with dental cover
  • Up to $350 per year
  • Covers dental check-ups, teeth clean/polish, dental diets, bites, chews, treats, water additive, oral gel/spray, toothpaste or professional teeth sealant
Alternative therapies
Lost animal
Necessary euthanasia
1
Telehealth vet service
Legal liability
  • Covered
  • Up to $100000

Conditions

Allergic reaction
  • Covered
  • Covers allergic reaction to insect bite
  • No cover for allergic reaction to tick/flea bite
Brachycephalic Airway Obstruction Syndrome
  • Covered
  • Standard waiting periods
Behavioural conditions
Cancer
  • Covered as a specified illness
  • Standard waiting periods
Cruciate ligament conditions
  • Covered as a specified illness
  • Up to $3300
  • Optional cover up to $5300
  • 6 month waiting period
Ear conditions
Eye conditions
  • Covered
  • Specifically covered illnesses include cherry eye
  • Standard waiting periods
Dental and oral health conditions
  • Optional
  • Cover limited to gingivitis, abscesses, tooth fracture, cavities, dental disease arising from infection and tooth resorption
  • Up to $800
  • 6 month waiting period
  • Treatment of tooth fracture, cavities, dental disease arising from infection and tooth resorption limited to restoration of canine and carnassial teeth (including orthodontic treatment, crowns and root canals) and tooth removal
  • Does not cover corrective treatment or cosmetic surgery
  • Insurer requires annual routine dental check-ups/treatment
  • Some cover available under routine care option
Ingestion of a foreign object
  • Covered
  • Up to 1 incident per year
  • Standard waiting periods
Heart conditions
Orthopaedic conditions
  • Covered
  • Cover of arthritis limited to investigation/diagnosis
  • Does not cover treatment for arthritis
  • Standard waiting periods
Patella luxation
  • Covered as a specified illness
  • 21 day waiting period
Joint conditions
  • Covered
  • Standard waiting periods
Intervertebral disc disease
  • Covered as a specified illness
  • Standard waiting periods
Hereditary conditions
  • Covered
  • Standard waiting periods
Pregnancy and obstetrics
Illness caused by parasites
Skin conditions
Snakebite
  • Covered
  • No waiting period
Vaccinatable Conditions
  • Covered
  • Insurer requires vaccination for infectious canine hepatitis (canine adenovirus), parvovirus, canine distemper:parainfluenza, kennel cough, feline panleukopaenia, feline calicivirus and feline herpes virus and cat flu

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