Everyday Dog Insurance.

Routine care is an optional non-insurance benefit available for all levels of cover.

With routine care cover you can claim your $120 sub-limit on either:

Vaccinations.

Health Checks.

Desexing.

Microchipping.

Prescription diets.

Heartworm preventative.

Puppy Pre-school Obedience training (at Recognised Facility).¹

Flea, tick or worm control.

FeLV/FIV and heartworm tests.

Wellness blood screen.

Nail clippings.

A pre-existing condition is a condition that first existed or occurred:

prior to the commencement date of your first policy period; or

within any applicable waiting period;

AND

is a condition that you were aware of, or a reasonable person in your circumstances would have been aware of, irrespective of whether the underlying or causative condition has been diagnosed.

A pre-existing condition also includes a related condition or bilateral condition of a pre-existing condition.

If, after any applicable waiting period, your pet has a pre-existing condition that is a temporary condition which hasn’t existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it won’t be excluded from cover as a pre-existing condition.

See your Product Disclosure Statement for more information and examples of pre-existing conditions. 

You can apply to have Pre-existing Conditions Reviewed. See the Pre-existing Conditions page for more information.

When joining Everyday Pet Insurance, the waiting periods that apply are:

• 2 days for conditions covered under the accidental injuries section.
• 30 days for conditions covered under the illness sections
• 6 months for Cruciate Ligament Conditions.

With optional Booster Care:

• 6 months for specified dental conditions
• 30 days for behavioural condtions
   

The waiting period for specialised therapy items is dependent on the waiting periods for the covered condition. 

For more information, please refer to the Pet Insurance Product Disclosure Statement.

For your convenience and to ensure continuity of cover for your pet, we will automatically renew your policy each year for as long as we continue to provide this product, and subject to the applicable terms and conditions of each policy.

We will send your renewal notice at least 14 days before your policy is due to expire and it will remind you to check your policy limits to see if the level of cover is still right for you.

You can opt-out of the automatic renewal process by contacting us. If you have chosen for your policy not to automatically renew, you will need to contact us each year to renew your cover.^‡

You can use any vet (other than yourself) that is licensed to legally practice as a veterinarian in Australia.

Annual excess means the amount that you are required to contribute towards the cost of your claim(s) per policy period, as selected by you and shown on your certificate of insurance.The annual excess is applied on a per policy period basis and applied to each claim in the policy period until fully paid. The annual excess resets when you renew your policy.The annual excess will be deducted from your calculated claim benefits after we apply the benefit limit (where applicable), Booster Care limit (where applicable) and the benefit percentage to your claimed amount.