Understanding your cover

Cruciate ligament sub-limit

Your annual benefit limit determines what your annual sub-limit is for treatment of cruciate ligament conditions and any related health condition.

How it works

For example: Say your pet is insured under a GoldRibbon policy, and it ruptures its left cruciate ligament. We’ll reimburse up to $5,000 for qualifying treatment of that cruciate ligament rupture in the current policy period.

Once this $5,000 has been reimbursed, you’ll be responsible for any additional further costs above $5,000 relating to treatment of that or any other cruciate ligament injuries or any related health condition in the current policy period.

Annual benefit limit

You can choose the annual benefit limit you want – this is the maximum amount we’ll pay for all claims for qualifying vet treatment received during each annual policy period.

Options

You can choose between four levels of cover:

Consult care extra

With consult care extra, we reimburse you 80% of vet consultation fees at your regular vet and emergency or specialist vets up to a maximum of $1,000 per policy period.

Consult care extra is optional and you can choose to remove it and reduce your premium. However, it’s important to balance this against the health of your pet, as costs of consultations between your regular vet and emergency or specialist vets can vary considerably.

How it works

This may be described on your invoice as a fee for a consultation, examination, check-up, progress exam or another similar name. The consultation must be related to a health condition covered by your policy.

If you have AcciPet and you take your pet to your vet for an illness, we would not reimburse you any of the consultation fee charged by your vet, as illnesses are not covered by AcciPet.

Annual excess

An excess is the amount you’ll need to pay each annual policy period for qualifying treatment before we’ll reimburse you.

How it works

Your annual excess will be applied to your claim first (before the co-payment is calculated). Your claim will have the annual excess deducted.

Once the amount of the excess has been paid, claims will be reimbursed up to the annual benefit limit you selected, less the co-payment you selected. The excess will re-set and apply each policy year. Here’s an example of how this works:

Say you had a $100 annual excess and a 20% co-payment, and you claimed for $2,100 in vet charges. Here’s how we would calculate your reimbursement:

For any subsequent claims in the policy year, no excess would apply.

Co-payment

A co-payment is the percentage of the vet charges for qualifying treatment that you agree to pay (after the deduction of your annual excess). We’ll reimburse you the remainder of the costs of treatment, up to your annual benefit limit.

How it works

When you submit your first claim, after we have deducted the excess (where applicable) we will calculate the co-payment and reimburse you the balance of your claim up to your annual benefit limit. Below is an example of how co-payment works:

Say you had a $100 annual excess and a 20% co-payment, and you claimed for $2,100 in vet charges . Here’s how we would calculate your reimbursement:

For any subsequent claims in the policy year, no excess would apply.