Compare our pet insurance plans

Our PetCare and AcciPet plans cover puppies and kittens from the age of 8 weeks. You can get PetCare provided your pet is younger than 7 years old, and you can get AcciPet at any age.

Note: We don’t cancel your pet’s insurance when your pet gets older, if you choose to do so, you can keep their cover for your pet’s entire lifetime.

If you have a puppy or kitten aged 6 weeks to 26 weeks you can apply for 6 weeks FreeCover to give you more time to decide the full cover you want (and if they are too young for PetCare and AcciPet)

Yes! We can insure working pets, such as guide dogs, assistance dogs and breeding pets. We don’t insure dogs used for pig hunting however, because of their higher risk of injury.

Accidental injury and illness (PetCare): This is our most comprehensive plan and cover includes treatment for conditions like skin allergies, cancer and chronic diseases, like arthritis.

It also covers treatment of accidental injuries like broken bones or wounds, and for accidental ingestion of toxic or non-food items.

Accidental injury cover (AcciPet): This covers treatment for accidental injuries like broken bones or wounds, and for accidental ingestion of toxic or non-food items.

You can also add optional extra cover for vet consultations (to both PetCare and AcciPet), day-to-day cover and dental treatment (to PetCare only).

Like most pet insurers, we don’t cover your pet’s pre-existing conditions. These are health conditions (or signs, symptoms or events) that your pet had before the policy starts, or during a stand down period.

Want to check your pet’s eligibility? Contact our team for guidance or learn more about pre-existing conditions here.

We also don’t cover congenital conditions, which means a congenital anomaly or developmental defect which is present at birth (although signs or symptoms may not display until later in life). This includes conditions like brachycephalic airway syndrome, which is seen most frequently in dog breeds like English Bulldogs, Pugs, French Bulldogs and Boston Terrier, and in cat breeds like Persians and Burmese.

You can choose to add day-to-day care extra and dental care extra if you choose our illness and accidental injury plan, PetCare.

With day-to-day care extra, we’ll cover up to $75 per treatment (up to a total of $300 per policy period) for day-to-day care such as de-sexing, prescription food, microchipping, flea, tick, or worm control, vaccinations and health checks.

With dental care extra, you can claim 80% of vet charges for dental treatments, up to a maximum of $300 per policy period. Dental care extra includes cover for scale and polish, and for treatment of gingivitis, abscesses, or tooth removal.

For full details, see the PetCare policy document.

If you choose PetCare, some common supplements are covered if they are prescribed by your vet as part of your pet’s treatment for a qualifying condition. Check out our Supplement Schedule (and definition of Supplement in our PetCare policy document) for more details.

Choosing a higher annual excess and co-payment means that you’ll pay more towards your vet bills, but your premium will be lower. On the flip side, choosing a lower excess and co-payment means we’ll cover more of the bill but your premium will be higher. You need to decide what the right balance is for you. Read more here.

Your annual excess and co-payment apply only to your base plan.

If your pet suffers an accidental injury you can claim for treatment from the date your policy starts. The exceptions are cruciate ligament and patella luxation injuries which are only covered after the first 90 days.

If you’ve chosen PetCare, your pet is covered for treatment of illness after the first 21 days only. Dental care is covered under dental care extra after 90 days.

If you have 6 weeks FreeCover for your puppy or kitten and you choose a policy start date for your PetCare or AcciPet policy before your FreeCover period ends, we will waive your stand down period for any illnesses, as well as cruciate ligament and patella luxation health conditions on that full cover policy (as long as you’ve had your FreeCover for at least 21 days.)

There are a number of ways that you can receive a discount on your premium:

• Direct debit. Save 2.5% if you pay by direct debit.
• Additional pet discount. Save 5% on each additional pet policy when you tell us that you already have a pet insured with us.
• Southern Cross Health Society member discount. Save 2.5% when you tell us you’re a member of Southern Cross Health Society.

Find out more