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PetsOnMe Deluxe Plan policy

Comprehensive injury and illness cover for cats and dogs.

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Insurer
PetsOnMe
Policy
Deluxe Plan
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.
Pacific International Insurance 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.
Comprehensive injury and illness cover
Animals covered
Cats and dogs
Minimum age for new cover View more details.

Insurer won't cover animals younger than this.

6 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.

$15000
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 $100, $200 or $300
Injury View more details.

Vet costs to treat accidental injuries.

• Comprehensive cover
• No waiting period
Illness View more details.

Vet costs to treat illnesses.

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

Cover for vet consultation costs.

&#149; Up to $80 per consult<br>&#149; Up to $200 per specialist consult or house call
Emergency treatment View more details.

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

Up to $200 per consult
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 fully cured and considered temporary and have no relation to an underlying condition
Routine care View more details.

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

No
Alternative therapies View more details.

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

Yes
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
• Up to $10000
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.

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

Vet costs to treat behavioural conditions.

No
Brachycephalic Airway Obstruction Syndrome View more details.

Vet costs to treat BOAS and related conditions.

No
Allergic reaction View more details.

Vet costs to treat allergic reactions.

&#149; Covered<br>&#149; No cover for allergic reaction to products used to maintain the cleanliness of pet or products for treatment of ectoparasites
Cruciate ligament conditions View more details.

Vet costs to treat conditions affecting the cruciate ligaments.

• Covered
• 180 day waiting period
Dental and oral health conditions View more details.

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

&#149; Covered for illness<br>&#149; Cover limited to abscesses, gingivitis, cavities, tooth fracture, dental disease as a result of infection and retained deciduous teeth<br>&#149; Does cover dental damage as a result of accidental injury where there is trauma visible to surrounding tissue within the mouth/face<br>&#149; 180 day waiting period<br>&#149; Treatment for retained deciduous teeth, dental disease as a result of infection and tooth fracture limited to tooth extraction<br>&#149; Does not cover corrective treatment, cosmetic dental surgery, crowns, elective treatment, odontoclastic resorptive lesions, orthodontic treatment, root canal or teeth cleaning/scaling
Ear conditions View more details.

Vet costs to treat conditions affecting the ears.

&#149; Covered<br>&#149; No cover for presbycusis<br>&#149; Standard waiting periods
Eye conditions View more details.

Vet costs to treat conditions affecting the eye.

&#149; Covered<br>&#149; Cover includes cherry eye caused by accidental injury<br>&#149; No cover for glaucoma<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; Up to 1 incident per year<br>&#149; 21 day waiting period
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; 21 day waiting period
Hereditary conditions View more details.

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

&#149; Covered<br>&#149; Up to $3800<br>&#149; 180 day waiting period
Joint conditions View more details.

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

&#149; Covered<br>&#149; No cover for arthritis<br>&#149; Does not cover joint replacement<br>&#149; Standard waiting periods
Orthopaedic conditions View more details.

Vet costs to treat orthopaedic conditions, including bone fracture.

&#149; Covered<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; 180 day waiting period
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 limited to tick paralysis<br>&#149; Insurer requires up to date preventative treatments<br>&#149; No cover for conditions caused by ectoparasites, fleas, ticks, endoparasites, intestinal worms or long term exposure to parasites where preventative treatments have not been used<br>&#149; Standard waiting periods
Skin conditions View more details.

Vet costs to treat skin conditions.

• Covered
• No cover for mange
• No cover for conditions caused by products used to maintain the cleanliness of pet or products for treatment of ectoparasites
• Standard waiting periods
Vaccinatable Conditions View more details.

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

&#149; Covered<br>&#149; Insurer requires current vaccination for parvovirus, canine distemper, Canine infectious hepatitis, kennel cough, leptospirosis, Feline Viral rhinotracheitis, feline calicivirus, feline panleukopenia and cat flu, Feline Immunodeficiency Virus (FIV), feline leukaemia virus (FeLV), feline chlamydiosis and Feline peritonitis (FIP) and disease for which vaccination is recommended by vet/Australian government
Snakebite View more details.

Vet costs to treat snakebite toxicity.

&#149; Covered<br>&#149; Standard waiting periods
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