Guide Dogs Premium Care policy
Limited injury and comprehensive illness cover for cats and dogs.
- Insurer
- Guide Dogs
- Policy
- Premium Care
-
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.
- • Limited injury cover<br>• 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.
- 85% 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 or $50
-
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
allergic reaction to insect and arachnid bites
bone fracture
snake bite toxicity
traumatic ligament or tendon injury
bite wound or fight wound abscess
lacerations or abrasion of tissue, skin or mucous membrane due to external violence -
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.
- • Optional<br>• Up to $50 for 1 of: desexing and microchipping; heartworm preventative medication; teeth cleaning; dental illness treatment; vaccinations or health checks; council registration fees; flea, tick or worm control; prescription diets; alternative therapies for pets; dew claw removal; cremation or burial; behavioural therapy or obedience training<br>• Up to $15 for heartworm test or blood screen<br>• Up to $15 for FeLV/FIV test or urinalysis
-
Alternative therapies
View more details.
Cover for specialised treatments such as physiotherapy, hydrotherapy or chiropractic manipulation.
- Optional
Some cover available under routine care option -
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
- Covered for registered guide dogs only
Up to $1000000 -
Telehealth vet service
View more details.
Some insurers offer telehealth vet services as an added benefit.
- No
-
Cancer
View more details.
Vet costs to treat cancer.
- • Covered<br>• Standard waiting periods
-
Behavioural conditions
View more details.
Vet costs to treat behavioural conditions.
- • Not covered<br>• Some cover available under routine care option
-
Brachycephalic Airway Obstruction Syndrome
View more details.
Vet costs to treat BOAS and related conditions.
- • Covered<br>• Standard waiting periods
-
Allergic reaction
View more details.
Vet costs to treat allergic reactions.
- Yes
-
Cruciate ligament conditions
View more details.
Vet costs to treat conditions affecting the cruciate ligaments.
- Covered
Up to $3600
6 month waiting period -
Dental and oral health conditions
View more details.
Vet cost to treat conditions affecting the teeth, gums and mouth.
- • Not covered<br>• Does cover oral tumours<br>• Some cover available under routine care option
-
Ear conditions
View more details.
Vet costs to treat conditions affecting the ears.
- • Covered<br>• Standard waiting periods
-
Eye conditions
View more details.
Vet costs to treat conditions affecting the eye.
- • Covered<br>• Standard waiting periods
-
Ingestion of a foreign object
View more details.
Vet costs to treat your pet after it swallows something it shouldn't.
- • Covered<br>• Standard waiting periods
-
Heart conditions
View more details.
Vet costs to treat heart disease.
- • Covered<br>• Standard waiting periods
-
Intervertebral disc disease
View more details.
Vet costs to treat IVDD, a spinal condition that affects cats and dogs.
- • Covered<br>• Standard waiting periods
-
Hereditary conditions
View more details.
Vet costs to treat inherited conditions, particularly those specific to the pet's breed.
- • Covered<br>• Standard waiting periods
-
Joint conditions
View more details.
Vet costs to treat joint conditions, such as arthritis and dysplasia.
- • Covered<br>• Standard waiting periods
-
Orthopaedic conditions
View more details.
Vet costs to treat orthopaedic conditions, including bone fracture.
- • Covered<br>• Specifically covered injuries include bone fracture<br>• Standard waiting periods
-
Patella luxation
View more details.
Vet costs to treat patella luxation, a dislocation of the kneecap.
- • Covered<br>• 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.
- • Covered<br>• No cover for conditions caused by external parasites, ticks, fleas, skin mites or ear mites<br>• Up to $2000 for tick paralysis<br>• Standard waiting periods<br>• Some cover available under routine care option
-
Skin conditions
View more details.
Vet costs to treat skin conditions.
- Covered
Standard waiting periods -
Vaccinatable Conditions
View more details.
Vet costs to treat conditions that have a commonly available vaccine.
- • Covered<br>• Vaccine benefit available under routine care option
-
Snakebite
View more details.
Vet costs to treat snakebite toxicity.
- • Covered as a specified injury<br>• Standard waiting periods