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Pet Cover Frequently Asked Questions
A. Petsecure covers vet costs for treatment and surgeries for accidents and illnesses ranging from minor problems such as ear infections and bee stings to major conditions such as broken bones, diabetes and cancer.
A. Petsecure pet insurance covers only cats and dogs at this point in time.
A. An accidental injury is an unforeseen event that results in visible, physical or bodily injuries to your pet. For example broken bones, dog and cat fight, or a motor vehicle accident.
A. An illness means an unexpected sickness or disease or any change to your pet’s normal healthy state which is not caused by injury to your pet. For example upset stomach, skin conditions, ear infection, poisoning.
Q. Are there any excess payments?
Q. What is a cruciate ligament?
A. Like most insurance policies there are some exclusions which help keep your premiums low. These include: pregnancy, elective procedures, foods/diets, grooming, behavioural problems, and pre-existing conditions that showed clinical signs before taking out the pet insurance cover.
A. Yes, euthanasia is covered if it is medically necessary.
A. Yes, you have the choice to utilse any licensed vet in Australia.
A. Yes, you can upgrade to a higher cover on your policy renewal date or at any time as long as you haven’t made a claim on your current cover.
A. Puppies and kittens, just like children are more likely to develop an illness or injury than an adult pet because they are less coordinated and their immune system has not yet fully developed. So, we suggest insuring as soon as possible to avoid unexpected surprises that may result in a pre-existing exclusion on your policy, preventing your pet from getting full cover.
Q. What if I don't incur $12,000 worth of vet bills for accident & illness cover - do I get money back?
A. Never, there is no upper age limit to join our Accident Cover but your pet must be less than 9 years old to be accepted for our Accident & Illness Cover. Once Petsecure pet cover is in place you can keep it for life, provided there is no break in cover.
A. Yes, as long as they were not present or showed clinical signs prior to joining Petsecure Vet Expenses Insurance. Petsecure does not exclude breed specific conditions.
A. Yes, when you select Accident & Illness Cover, your cover includes $500 benefit per year toward vet costs resulting from treatment for paralysis ticks.
A. Yes, your pet is covered anywhere in Australia. Your pet will also be covered by their Petsecure policy whilst travelling in a country that does not require your pet to enter quarantine on re-entry to Australia.
A. You may cancel the policy within 14 days of the start of the cooling-off period and as long you have not made a claim, any premium you have paid will be refunded in full.
After 14 days you may cancel your policy by written notification. Cover ceases at the time PetSecure receives your written notification. If you have not made a claim under the policy and you have paid the annual premium in full, the portion of the premium that reflects the remainder of the policy period will be refunded to you. No refund is available where you have chosen the monthly or fortnightly payment options.
If you made a claim under your pet insurance policy, and you have chosen to pay premiums annually, no refund is provided if you cancel your policy. Where you have chosen to pay monthly or fortnightly, any remaining premium still has to be paid for the remainder of the policy period.
A. To lower your premium you can select the 75% benefit payment option. With Petsecure you also have the flexibility of fortnightly or monthly payment options, at no extra charge.
A. You have the option to pay your pet's insurance premium fortnightly, monthly or annually via credit card or direct debit from your bank account.There are no additional charges for monthly or fortnightly payments.
A. Yes. You can qualify for a maximum 10% discount. If you hold a Pension Card or have an assistance dog (such as a guide dog), or are a Doggie Rescue member you can receive a 10% discount. If you insure more than one pet you can receive a 10% discount off the second and subsequent pets' premium.
A. Making a claim is easy. All claims are to be completed on a Petsecure claim form. You and your vet will need to complete the appropriate sections on the form. Then just send your completed claim form together with all original itemised invoices and payment receipts to:
A. No, you don’t need to wait. You can make a claim at any time.
A. You can make a claim even on holiday. Just follow the normal claim request by downloading a claim form and mail all relevant original documents to us.
A. There is no waiting period for accident claims – you can claim as soon as your policy is effective. A 30-day waiting period applies for illness claims. A six month waiting period applies for cruciate conditions unless your vet certifies that no cruciate conditions exist on joining.
A. If you choose Accident Cover you can claim up to $8,000 per year. If you choose Accident and Illness Cover you can claim up to $12,000 per year.
A. Yes, please attach only original itemised invoices and payment receipts. This will help us process your claim quickly and accurately.
A. To make it simple for you, your policy is automatically renewed, as long as premium payments are current and up-to-date.
A. For enquiries you may contact us through any of these methods:
A. To make sure that we have all necessary details, please write to us to cancel your cover. We will refund any premium you have paid less any amount that covers the period insured as long as you have not made a claim.
To find out how you can get the best deal on Petsecure pet insurance, and to find out more about dog cover or car cover, call Petsecure, one of Australia's most experienced pet insurers on 1300 855 160. You can also get a quick quote and apply online.
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Cat & Dog cover
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Info and Forms
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