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Bupa Ultimate policy

Limited injury and comprehensive illness cover for cats and dogs.

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Insurer
Bupa
Policy
Ultimate
Underwriter View more details.
This is the provider of the insurance product and correlates with the Financial Services Provider (FSP) as registered with the Australian Financial Complaints Authority. You can look up your insurer's provider in the AFCA comparative tables to see how common it is for consumers to bring a dispute to AFCA about them.
PetSure (Australia) Pty Ltd
Policy type View more details.
  • Comprehensive policies are covered for most conditions, with a few exclusions.
  • Limited policies are only covered for the conditions specified by the insurer.
&#149; Limited injury cover<br>&#149; Comprehensive illness cover
Animals covered
Cats and dogs
Minimum age for new cover View more details.

Insurer won't cover animals younger than this.

8 weeks
Maximum age for new cover View more details.

The insurer won't sell a new policy for animals older than this.

8 years
Maximum benefit per year View more details.

The total amount the insurer will pay per year. Some policies also have a limit per condition. Some benefits, such as routine care, are paid on top of this amount.

$20000
Benefit paid per claim View more details.

Percentage of the claim the insurer pays. For example, if your policy has an 80% benefit and you have a $1000 vet bill, you pay $200 (plus excess) and the insurer pays the rest. Choosing a lower benefit percentage will typically reduce your premium, but leave you more out of pocket when you make a claim.

80% vet bill covered
Excess View more details.

The cost to make a claim. Typically choosing a higher excess will reduce your premium.

Choose excess from $0, $100 or $200
Injury View more details.

Vet costs to treat accidental injuries.

• Limited cover
• No waiting period
Covers these specified injuries only:
• motor vehicle incident
• burn or electrocution
• reaction to bite from an insect or arachnid
• near drowning incident
• bone fracture
• snake bite toxicity
• traumatic ligament or tendon injury
• bite wound or fight wound abscesses
• lacerations or abrasion of tissue, skin or mucous membrane due to external trauma
• cruciate ligament condition
Illness View more details.

Vet costs to treat illnesses.

• Comprehensive cover
• 30 day waiting period
Vet consults View more details.

Cover for vet consultation costs.

Up to $300
Emergency treatment View more details.

Cover for out-of-hours consults, when recommended by a vet.

Yes
Pre-existing conditions View more details.

Pet insurance doesn't cover pre-existing conditions by default, but you can sometimes get cover by serving a waiting period and making an application to the insurer.

Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months
Routine care View more details.

Additional non-insurance cover for preventative care items like health checks, vaccinations and microchipping.

&#149; Optional<br>&#149; Up to $200 per year<br>&#149; Up to $80 for desexing, micro-chipping, heartworm control/prevention, flea/tick/worm control, blood and urine tests, vaccinations and health checks, training, teeth cleaning, dew claw removal, prescription diets or cremation/burial
Alternative therapies View more details.

Cover for specialised treatments such as physiotherapy, hydrotherapy or chiropractic manipulation.

• Optional
• Up to $1000
Lost animal View more details.

Benefit if your pet is lost, stolen or runs away.

No
Necessary euthanasia View more details.

The cost of putting your pet down, where necessary.

Yes
Legal liability View more details.

Cover when you are responsible for injury, damage or death caused by your pet

No
Telehealth vet service View more details.

Some insurers offer telehealth vet services as an added benefit.

• Text or video call with vet
• Available 24/7
Cancer View more details.

Vet costs to treat cancer.

&#149; Covered<br>&#149; Standard waiting periods
Behavioural conditions View more details.

Vet costs to treat behavioural conditions.

&#149; Not covered<br>&#149; Some cover available under routine care option
Brachycephalic Airway Obstruction Syndrome View more details.

Vet costs to treat BOAS and related conditions.

&#149; Covered<br>&#149; Standard waiting periods
Allergic reaction View more details.

Vet costs to treat allergic reactions.

&#149; Covered<br>&#149; Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp
Cruciate ligament conditions View more details.

Vet costs to treat conditions affecting the cruciate ligaments.

• Covered as a specified injury
• Up to $3200 for treatment in ACT, NT and WA
• Up to $2600 for treatment in NSW, Qld, SA, Tas and Vic
• 6 month waiting period
Dental and oral health conditions View more details.

Vet cost to treat conditions affecting the teeth, gums and mouth.

&#149; Not covered by default<br>&#149; Does cover oral tumours<br><b>Optional cover:</b><br>&#149; Cover limited to gingivitis, abscesses, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth<br>&#149; Up to $500<br>&#149; 6 month waiting period<br>&#149; Treatment of dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth limited to tooth removal<br>&#149; Insurer requires annual routine dental check-ups<br>&#149; Some cover available under routine care option
Ear conditions View more details.

Vet costs to treat conditions affecting the ears.

&#149; Covered<br>&#149; Standard waiting periods
Eye conditions View more details.

Vet costs to treat conditions affecting the eye.

&#149; Covered<br>&#149; Standard waiting periods
Ingestion of a foreign object View more details.

Vet costs to treat your pet after it swallows something it shouldn't.

&#149; Covered<br>&#149; Standard waiting periods
Heart conditions View more details.

Vet costs to treat heart disease.

&#149; Covered<br>&#149; Standard waiting periods
Intervertebral disc disease View more details.

Vet costs to treat IVDD, a spinal condition that affects cats and dogs.

&#149; Covered<br>&#149; Standard waiting periods
Hereditary conditions View more details.

Vet costs to treat inherited conditions, particularly those specific to the pet's breed.

&#149; Covered<br>&#149; Standard waiting periods
Joint conditions View more details.

Vet costs to treat joint conditions, such as arthritis and dysplasia.

&#149; Covered<br>&#149; Standard waiting periods
Orthopaedic conditions View more details.

Vet costs to treat orthopaedic conditions, including bone fracture.

&#149; Covered<br>&#149; Specifically covered injuries include bone fracture<br>&#149; Standard waiting periods
Patella luxation View more details.

Vet costs to treat patella luxation, a dislocation of the kneecap.

&#149; Covered<br>&#149; Standard waiting periods
Pregnancy and obstetrics View more details.

Vet costs to treat pregnant animals, including complications caused by breeding or pregnancy.

No
Illness caused by parasites View more details.

Vet costs to treat internal or external parasite infection. Many insurers cover tick paralysis, but may exclude other conditions caused by ticks.

&#149; Covered<br>&#149; Cover includes tick paralysis<br>&#149; No cover for external parasites, ticks, fleas, skin mites or ear mites<br>&#149; Up to $1500 for tick paralysis<br>&#149; Standard waiting periods<br>&#149; Some cover available under routine care option
Skin conditions View more details.

Vet costs to treat skin conditions.

• Covered
• Up to $500
• Standard waiting periods
Vaccinatable Conditions View more details.

Vet costs to treat conditions that have a commonly available vaccine.

&#149; Covered<br>&#149; Vaccine benefit available under routine care option
Snakebite View more details.

Vet costs to treat snakebite toxicity.

&#149; Covered as a specified injury<br>&#149; Standard waiting periods
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