Compare our pet insurance plans

Choose the cover you want

You can choose from two types of cover with Southern Cross Pet Insurance:

PetCare Comprehensive insurance for your lovely cat or dog. We cover sickness and accidental injury up to $15,000 per year, and $25 towards a vaccination or check-up. Find out more [86kb PDF]

AcciPet A budget-friendly option for nasty events. AcciPet covers accidental injury only, up to $5,000 per year. Find out more [86kb PDF]

Puppies and kittens between 6 and 26 weeks can enjoy 6 weeks FREE cover Find out more

Eligibility when policy starts

8 weeks to 6 years old

Any age

Cover - Choose your basic cover

Accidental injury Accidental injury means a sudden, unforeseen and not gradual physical harm or injury, that arises directly from a single event occurring at an identifiable time and place and that is independent of any other causes, including any pre-existing condition.
Illness
Inherited conditions Genetic conditions passed down bloodlines. Hip Dysplasia is a common example.
Vaccinations / Check-ups*

Limits - Decide the amount of cover

$2,500
$5,000
$10,000
$15,000

Extras - Add extra protection for your pet

Day-to-day care extra Claim up to $75 per treatment (up to a total of $300 each year) for qualifying treatments, such as vaccinations and health checks.
Dental care extra Claim up to $300 each year for qualifying dental care, including gingivitis, abscesses or tooth removal.

Savings - Ways to save on your premium

20% Co-payment amount Pay 20% of the cost of your pet’s eligible vet care, and reduce your premium.
5% Additional pet discount 5% discount for insuring each additional pet
2.5% for Southern Cross Health Society Members Save 2.5% if you have health insurance with Southern Cross.
2.5% for Direct Debit Save 2.5% if you pay by Direct Debit.
Some more things to know	PetCare Get a quote	AcciPet Get a quote

*(Up to $25 per vaccination/check-up per year).
This chart has been designed to give you a quick overview of our pet insurance plans. For full policy terms (including definitions, limitations and exclusions) please see the policy documents above.

Daryl's story We all think about click-clicking in when we drive, but Daryl’s story is a good reminder about securing pets in cars - and why pet insurance matters. Read the story

Lucy’s story The fish might have got away, but Lucy, the Border Collie, wasn’t so lucky. She swallowed the bait hook, line and sinker – literally. Read the story

Finnegan's story Some Christmas surprises are wonderful and others not so much - like when Finnegan, the Wheaten Terrier, gobbled up Granny’s Christmas cake. Read the story

Lolly's story There’s something about Lolly and Karekare beach. She ruptured her first cruciate there. And her second. Then she ate a dead fish. Yep, she’s accident prone. Read the story

Some more things to know

Done

Who can get cover?

Dogs and cats aged between 8 weeks and 6 years old, at the time of policy commencement for our PetCare range of plans. There is no maximum age restriction on the AcciPet plan. If your pet is between 6 and 26 weeks old, you could be eligible for our free cover offer.

Cover for inherited conditions

Inherited conditions are genetic problems passed down through your pet’s bloodline. They can be expensive to treat, so you can rest easy knowing that Southern Cross provides cover for inherited conditions.

Stand down period

If your application is approved, cover for injury begins from the start date of your policy. The following stand down periods apply from your policy start date: 21 days for illness; 90 days for cruciate ligament(s) and patella luxation(s); and 90 days for dental care extra. Please note the stand down period applies to the date of treatment, not the date the claim is submitted.

Ways to reduce the cost of cover

Co-payment. A co-payment option is available on both plans. With a co-payment, you’ll contribute 20% to the cost of your pet’s vet care. Full cover options are available on both plans as well.

Monthly direct debit. If you pay your premium by monthly direct debit, you receive a 2.5% discount.

Additional pet discount. A 5% discount for insuring each additional pet (cat or dog).

Southern Cross Health Society member. A 2.5% discount applies if you have health insurance with Southern Cross.

Cooling off period

If you’re not completely satisfied with the terms and conditions of your policy, you can cancel and receive a full refund by notifying us within 14 days of your policy start date (assuming you haven't made a claim under the policy during this time).