Petbarn Core policy
Limited injury and comprehensive illness cover for cats and dogs.
- Insurer
- Petbarn
- Policy
- Core
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Underwriter
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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
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Policy type
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- 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
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Minimum age for new cover
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Insurer won't cover animals younger than this.
- 8 weeks
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Maximum age for new cover
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The insurer won't sell a new policy for animals older than this.
- 8 years
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Maximum benefit per year
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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.
- $• No annual limit<br>• Up to $500 per condition
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Benefit paid per claim
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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.
- Up to 8 years: 90% vet bill covered
From 8 years: 65% vet bill covered
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Excess
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The cost to make a claim. Typically choosing a higher excess will reduce your premium.
- 0
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Injury
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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 violence -
Illness
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Vet costs to treat illnesses.
- Comprehensive cover
30 day waiting period -
Vet consults
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Cover for vet consultation costs.
- No
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Emergency treatment
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Cover for out-of-hours consults, when recommended by a vet.
- No
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Pre-existing conditions
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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
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Routine care
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Additional non-insurance cover for preventative care items like health checks, vaccinations and microchipping.
- No
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Alternative therapies
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Cover for specialised treatments such as physiotherapy, hydrotherapy or chiropractic manipulation.
- No
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Lost animal
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Benefit if your pet is lost, stolen or runs away.
- No
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Necessary euthanasia
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The cost of putting your pet down, where necessary.
- Yes
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Legal liability
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Cover when you are responsible for injury, damage or death caused by your pet
- No
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Telehealth vet service
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Some insurers offer telehealth vet services as an added benefit.
- No
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Cancer
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Vet costs to treat cancer.
- No
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Behavioural conditions
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Vet costs to treat behavioural conditions.
- No
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Brachycephalic Airway Obstruction Syndrome
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Vet costs to treat BOAS and related conditions.
- • Covered<br>• Standard waiting periods
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Allergic reaction
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Vet costs to treat allergic reactions.
- • Covered<br>• Covers allergic reaction to ant, bee, fly, mosquito, scorpion, spider and wasp
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Cruciate ligament conditions
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Vet costs to treat conditions affecting the cruciate ligaments.
- No
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Dental and oral health conditions
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Vet cost to treat conditions affecting the teeth, gums and mouth.
- • Not covered<br>• Does cover oral tumours<br>• Up to $500 per condition
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Ear conditions
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Vet costs to treat conditions affecting the ears.
- • Covered<br>• Standard waiting periods
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Eye conditions
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Vet costs to treat conditions affecting the eye.
- • Covered<br>• Standard waiting periods
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Ingestion of a foreign object
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Vet costs to treat your pet after it swallows something it shouldn't.
- • Covered<br>• Standard waiting periods
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Heart conditions
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Vet costs to treat heart disease.
- • Covered<br>• Standard waiting periods
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Intervertebral disc disease
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Vet costs to treat IVDD, a spinal condition that affects cats and dogs.
- • Covered<br>• Standard waiting periods
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Hereditary conditions
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Vet costs to treat inherited conditions, particularly those specific to the pet's breed.
- • Covered<br>• Standard waiting periods
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Joint conditions
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Vet costs to treat joint conditions, such as arthritis and dysplasia.
- • Covered<br>• No cover for hip dysplasia or elbow dysplasia<br>• Standard waiting periods
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Orthopaedic conditions
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Vet costs to treat orthopaedic conditions, including bone fracture.
- • Covered<br>• Specifically covered injuries include bone fracture<br>• Standard waiting periods
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Patella luxation
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Vet costs to treat patella luxation, a dislocation of the kneecap.
- No
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Pregnancy and obstetrics
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Vet costs to treat pregnant animals, including complications caused by breeding or pregnancy.
- No
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Illness caused by parasites
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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 external parasites, ticks, fleas or skin/ear mites<br>• No cover for conditions caused by reactions to flea/tick/worm control products<br>• Does not cover flea/tick/worm preventative treatment/measures<br>• Standard waiting periods
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Skin conditions
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Vet costs to treat skin conditions.
- Covered
Standard waiting periods -
Vaccinatable Conditions
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Vet costs to treat conditions that have a commonly available vaccine.
- No
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Snakebite
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Vet costs to treat snakebite toxicity.
- • Covered as a specified injury<br>• Standard waiting periods