Pet Insurance FAQs

Umbrella for Life is a level of cover included in all our Dog and Cat plans and valid throughout the pet’s life.

Providing peace of mind, you’re able to continue to claim for the treatment for ongoing eligible illness or injuries throughout your pet’s life, provided you continue and renew your policy without any breaks in cover and pay the required premium.

You can receive a multi-pet discount for 2 or more eligible pets. If you have 2 pets, you can receive a 5% discount, for 3 or more pets a 10% discount can be applied.

The discount may be applied to a new policy at time of converting or applied at time of policy renewal.

Pets must meet the eligibility criteria. Cover subject to eligibility criteria, excludes pre-existing conditions, excesses and waiting periods apply. Refer to the Product Disclosure Statement.

You are free to use the registered veterinarian of your choice.

Pay Direct to Vet is offered, whereby you can elect to have your claim paid directly to your vet. You will need to have an agreement in place with your vet before submitting the claim and you will need to pay any applicable excess and not covered items direct to your vet and the balance will be paid. Your vet can even submit your claim on your behalf.

These are payments you may pay to reduce your premiums or excess you pay. Co-Payments are a percentage the policyholder pays towards the eligible vet bill/fee.

Examinations, consultations, advice, tests or legally prescribed medication for the following procedures where they treat an illness or injury and referred by and/or carried out by a qualified member of a veterinary practice. This may include; Acupuncture, Homeopathy, Chiropractic manipulation, Hydrotherapy, or Osteopathy.

Brachycephalic Obstructive Airway Syndrome (BOAS) is a breed-specific condition that affects short-nosed animals. This illness can cause serious breathing problems and anguish, as well as drastically reduce their quality of life. Bulldogs, Pugs, Boxers, Boston terriers, Shih-tzus, and Persian cats are examples of ‘flat faced’ breeds.

Noting, Brachycephalic Obstructive Airway Syndrome has a waiting period of 365 days.

Dog policies cover Third Party Liability damage up to $1million, $2million or $5million, depending on your selected plan. Third Party Liability covers any injury or damage caused by an insured dog that the owner may be liable for.

When purchasing an insurance policy, your pet’s current health, pre-existing conditions, age, and breed, among other factors, will be considered to determine if your pet is eligible for coverage.

Payment can be made annually or monthly via direct debit or credit card, or you can pay for your policy online here.

The excess is the amount you pay when making a claim for each unrelated condition per policy period. This amount is shown on your Certificate of Insurance.

This means the period starting from the date when the policy commenced (excluding renewed policies). This date is shown on your Certificate of Insurance.

For example, there is a twenty-one day waiting period for illness, the waiting period will cease on the twenty-second day of cover. Any illness or condition that occurs or clinical signs of a medical condition or illness shown during this period will be excluded from cover.

Brachycephalic Obstructive Airway Syndrome has a waiting period of 365 days.

You should refer to your Certificate of Insurance and Product Disclosure Statement for waiting periods that apply to this cover.

Claim forms for pets are available to download from our make a claim page. Send the completed form along with the invoice and vet notes to claims.au@petcovergroup.com

Who is the Qikio Pet Insurance policy underwritten by? Petcover administers Qikio Pet Insurance on behalf of the Insurer (underwriter) Sovereign Insurance Australia. With 40 years’ experience, Petcover along with its insurance partners has provided peace of mind to over 200,000 pet owners, offering one of Australia’s most comprehensive range of pet insurance.