| Product |
Pet Basic
(Accident & Illness)
|
Standard
(Accident & Illness)
|
Top
(Accident & Illness + Dental)
|
Indoor Cat
Illness Cover
|
| Eligibility (for new applications) |
Cats and Dogs 8 weeks to 6 years |
Cats and Dogs 8 weeks to 9 years |
Cats and Dogs 8 weeks to 9 years |
Cats 8 weeks to 9 years |
| Annual Limit |
$5,000 |
$13,000 |
$20,000 |
$6,000 |
| Benefit Rate pet age 0-7 |
90% |
80% |
85% |
80% |
| Benefit Rate pet age 8+ |
65% |
80% |
85% |
65% |
| Excess |
$0 |
$0 |
$0 |
$0 |
| Coverage |
Accidental Injuries and Illness |
Accidental Injuries and Illness |
Accidental Injuries, Illness, routine care and optional Dental Illness |
Specified Illness Conditions |
| Exclusions |
Cruciate Ligament Conditions, Cancer, Consultation Fees, Pre-existing Conditions & standard general exclusions |
Pre-existing Conditions & standard general exclusions |
Pre-existing Conditions & standard general exclusions |
Any Conditions other than specified, Pre- existing Conditions & standard general exclusions |
| Waiting Periods (From policy inception date) |
Accidental Injuries = 0 Days Cruciate ligament Conditions = 6 months Illness Conditions = 30 Days |
Accidental Injuries = 0 Days Cruciate ligament Conditions = 6 months Illness Conditions = 30 Days |
Accidental Injuries = 0 Days Cruciate ligament Conditions = 6 months Illness Conditions = 30 Days. Dental = 6 months |
Illness Conditions = 30 Days Cancer = 6 months |
| Per-Condition Limit |
$1,000 |
|
|
|
| Consultation annual limit |
|
$300 |
$300 |
$300 |
| Paralysis Tick Sub- limit |
|
$1,000 |
$1,500 |
|
| Cruciate Ligament Conditions |
|
$3,200 |
$3,500 |
|
| Dental Cover |
|
|
$1,000 (optional) |
|
| Emergency Boarding |
$500 |
$1,000 |
$1,200 |
$500 |
| Overseas Pet Travel |
|
|
|
|
| Essential Euthanasia |
|
|
|
|
| Routine Care |
|
|
Included |
|
| Tick Paralysis |
|
|
|
|
| Cruciate Ligament Injury |
|
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|
|
| Motor Vehicle Incidents |
|
|
|
|
| Heat Stroke |
|
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|
|
| Burns |
|
|
|
|
| Poisoning |
|
|
|
|
| Ingestion of a Foreign Object |
|
|
|
|
| Spinal Disc Rupture |
|
|
|
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| Electrocution |
|
|
|
|
| Allergic Reaction to Insect Bite |
|
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|
|
| Bone Fractures |
|
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|
|
| Snake Bite |
|
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|
| Embedded Grass Seed |
|
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|
|
| Fight Wound or other Laceration |
|
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|
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| Soft Tissue Injury |
|
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| Torn Nail |
|
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|
| Emergency Boarding |
|
|
|
|
| Consultations |
|
|
|
|
| Brachycephalic Airway Syndrome |
|
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|
|
| Cancer |
|
|
|
|
| Hernia Diaphragmatic |
|
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|
|
| Bladder Stones |
|
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|
|
| Elbow Dysplasia |
|
|
|
|
| Corneal Ulcer |
|
|
|
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| Immune Mediated Blood Disease |
|
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|
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| Feline Lower Urinary Tract Disease |
|
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| Gastrointestinal Problems |
|
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| Diabetes |
|
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| Hypothyroidism |
|
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| Heart Disease |
|
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| Renal Disease |
|
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| Dental Illness (optional extra) |
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|
