Protection your pet deserves

Why Qikio?

Local

Qikio Pet Insurance is supported by Petcover, who have an experienced customer service team based in Australia, who can assist you with questions about cover, your policy or a claim.

Powerful

Petcover administers Qikio Pet Insurance. 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.

Your pet first

Petcover have an easy claims process with quick response times. They strive to provide outstanding service, so you can prioritise your pet’s recovery.

We’re fast

We’re committed to making it quick and easy to get a quote online, manage your policy, and make a claim.

Cover with a difference

Up to 90% Vet Bills Covered

Receive up to 90% back on eligible vet bills, based on your level of cover.

Multi-pet Discount

When you get cover for 2 or more eligible pets

Cover that provides flexibility to suit you & your pet

It's important to know what you are covered for. The Qikio Pet Insurance Product Disclosure Statement (PDS) is simple and easy to understand.

Umbrella for Life Umbrella for life cover means you can continue for on-going treatment of illness or injuries throughout your pet’s lifetime, provided there is no break in cover.

Umbrella for Life
Veterinary Fees For the treatment of eligible Injury, Accident or Illness Covers the costs of veterinary treatment your pet receives during the insurance period to treat eligible injury, accident or illness.

Veterinary Fees
Third party liabilityAny one loss occurrence Cover for any damage or injury you are legally responsible for and compensation as a result of your pet.

Third party liability
Cruciate ligament benefitAny one loss occurrence The maximum benefit you can claim for this condition under this policy.

Cruciate ligament benefit
Vet consultations The maximum benefit you claim for veterinary costs declared as consultation fees.

Vet consultations
Paralysis tick The maximum benefit you can claim for this condition under this policy.

Paralysis tick
Cancer treatment The maximum benefit you can claim for this condition under this policy.

Cancer treatment
Hip dysplasia The maximum benefit you can claim for this condition under this policy.

Hip dysplasia
Skin conditions The maximum benefit you can claim for this condition under this policy.

Skin conditions
Boarding fees Cover for the cost of boarding your pet at a licensed kennel, or towards the cost of someone looking after your pet while you are an impatient in hospital.

Umbrella for Life
Saying goodbye to your pet The maximum you can claim for should a vet recommend your pet is put to sleep, and subsequent cremation and/or burial costs.

Saying goodbye to your pet
Co-payment options Means the percentage that the policy holder has to pay towards eligible claims (excluding the optional Day to Day Care benefit).

Co-payment options
Excess options Means the non-refundable amount you will be required to pay for claims covered under this policy.

Excess options
Age limitsFirst time cover When your pet is eligible for cover.

Age limits
Waiting periods Is the initial period during which no benefit is payable for the mentioned conditions.

Waiting periods

Key

Included
Up to $15,000
Annual benefit limit (as shown in the Certificate of Insurance)
Up to $1 million
Up to $3,000
Up to $400
1st claim up to $2,000 Subsequent claims up to $1,000
Up to $5,000 Annual sub limit
Up to $4,000 Annual sub limit
Up to $500 Annual sub limit
Up to $500
Up to $300
Option 1: 10%
Option 2: 20%
Option 3: 30%
Option 1: $0
Option 2: $100
Option 3: $200
8 weeks up until 8th birthday for Dogs
Select breeds 8 weeks up until 5th birthday
8 weeks up until 8th birthday for Cats
Injury: no waiting period Illness: 28 days Brachycephalic Obstructive Airway Syndrome: 365 days Cruciate ligament benefit: 6 months

Vital

Included
Up to $10,000
Annual benefit limit (as shown in the Certificate of Insurance)
Up to $1 million
Up to $2,500
Up to $400
1st claim up to $2,000 Subsequent claims up to $1,000
Up to $5,000 Annual sub limit
Up to $4,000 Annual sub limit
Up to $500 Annual sub limit
Up to $500
Up to $300
Option 1: 10%
Option 2: 20%
Option 3: 30%
Option 1: $0
Option 2: $100
Option 3: $200
8 weeks up until 8th birthday for Dogs
Select breeds 8 weeks up until 5th birthday
8 weeks up until 8th birthday for Cats
Injury: no waiting period Illness: 28 days Brachycephalic Obstructive Airway Syndrome: 365 days Cruciate ligament benefit: 6 months

Core

Included
Up to $15,000
Annual benefit limit (as shown in the Certificate of Insurance)
Up to $1 million
Up to $1,500
Up to $400
1st claim up to $2,000 Subsequent claims up to $1,000
Up to $5,000 Annual sub limit
Up to $4,000 Annual sub limit
Up to $500 Annual sub limit
Up to $500
Up to $300
Option 1: 10%
Option 2: 20%
Option 3: 30%
Option 1: $0
Option 2: $100
Option 3: $200
8 weeks up until 8th birthday for Dogs
Select breeds 8 weeks up until 5th birthday
8 weeks up until 8th birthday for Cats
Injury: no waiting period Illness: 28 days Brachycephalic Obstructive Airway Syndrome: 365 days Cruciate ligament benefit: 6 months

^Terms, conditions and excesses apply and may be varied at renewal. Cover is subject to acceptance criteria, policy limits and exclusions may apply. Please consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a decision to purchase the product.

Key

Included

For the treatment of eligible Injury, Accident or Illness Up to $15,000 Annual benefit limit
(as shown in the Certificate of Insurance)

Any one loss occurrence Up to $1 million

Any one loss occurrence Up to $3,000

Up to $4,000

1st claim up to $2,000 Subsequent claims up to $1,000

Up to $5,000 Annual sub limit

Up to $4,000 Annual sub limit

Up to $500 Annual sub limit

Up to $500

Up to $300

Option 1: 10%
Option 2: 20%
Option 3: 30%

Option 1: $0
Option 2: $100
Option 3: $200

8 weeks up until 8th birthday for Dogs Select breeds 8 weeks up until 5th birthday

8 weeks up until 8th birthday for Cats

Injury: no waiting period Illness: 28 days Brachycephalic Obstructive Airway Syndrome: 365 days Cruciate ligament benefit: 6 months

Vital

Included

For the treatment of eligible Injury, Accident or Illness Up to $10,000 Annual benefit limit
(as shown in the Certificate of Insurance)

Any one loss occurrence Up to $1 million

Any one loss occurrence Up to $2,500

Up to $4,000

1st claim up to $2,000 Subsequent claims up to $1,000

Up to $5,000 Annual sub limit

Up to $4,000 Annual sub limit

Up to $500 Annual sub limit

Up to $500

Up to $300

Option 1: 10%
Option 2: 20%
Option 3: 30%

Option 1: $0
Option 2: $100
Option 3: $200

8 weeks up until 8th birthday for Dogs Select breeds 8 weeks up until 5th birthday

8 weeks up until 8th birthday for Cats

Injury: no waiting period Illness: 28 days Brachycephalic Obstructive Airway Syndrome: 365 days Cruciate ligament benefit: 6 months

Core

Included

For the treatment of eligible Injury, Accident or Illness Up to $5,000 Annual benefit limit
(as shown in the Certificate of Insurance)

Any one loss occurrence Up to $1 million

Any one loss occurrence Up to $1,500

Up to $4,000

1st claim up to $2,000 Subsequent claims up to $1,000

Up to $5,000 Annual sub limit

Up to $4,000 Annual sub limit

Up to $500 Annual sub limit

Up to $500

Up to $300

Option 1: 10%
Option 2: 20%
Option 3: 30%

Option 1: $0
Option 2: $100
Option 3: $200

8 weeks up until 8th birthday for Dogs Select breeds 8 weeks up until 5th birthday

8 weeks up until 8th birthday for Cats

Injury: no waiting period Illness: 28 days Brachycephalic Obstructive Airway Syndrome: 365 days Cruciate ligament benefit: 6 months

Dog Insurance

Cat Insurance

Need to lodge a claim?

We’re here to help you!

At Qikio, we know that sometimes starting your claim off can be just as scary as realising something has gone wrong or been damaged.

Our underwriters and insurance providers have teams of dedicated claims specialists ready to assist you and to make sure your claims experience is supported, helpful & respectful.
Start Your Claim

Insurance, Quick Smart!

Be covered in minutes.

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What our customers say…

So easy, and the price was way less than expected

Very impressed with how easy this experience was to book, and the price was better than the other 2 quotes I got.

Josh

Great online experience

Amazed at how quickly I could navigate through the steps, fill out the necessary information, and receive my policy details.

Marta

Well-priced Travel Insurance

This was a really well-priced Travel insurance, with lots of extras by the looks. I have upgraded to snow cover so hopefully won't need it!

Shae

Easy transaction with great customer service

Super easy transaction with an Impressive Digital experience. Loved, Loved, Loved the ease of set up

Drew

You’ll find everything you’re looking for right here

FAQS Check out our frequently asked questions

IMPORTANT DOCUMENTS Read more about important documents

GET IN TOUCH Looking for something else? Get in touch

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PET INSURANCE

Protection your pet deserves

Why Qikio?

Local

Powerful

Your pet first

We’re fast

Cover with a difference

Up to 90% Vet Bills Covered

Multi-pet Discount

Cover that provides flexibility to suit you & your pet

Key

Vital

Core

Need to lodge a claim?

We’re here to help you!

Insurance, Quick Smart!

Be covered in minutes.

What our customers say…

You’ll find everything you’re looking for right here