Everyday Dog Insurance

Routine care is an optional non-insurance benefit available for Comprehensive and Comprehensive Plus Pet Insurance policyholders.

With routine care cover you can claim your $50 annual sub-limit on either:

• Vaccinations
• Health Checks

Plus another $50 for one of the following treatments:

• Desexing
• Microchipping
• Prescription diets
• Heartworm preventative
• Obedience training (at Recognised Facility)
• Dew claw removal
• Cremation or burial
• Council registration fees
• Teeth cleaning
• Behavioural therapy (By a qualified Animal Behavioural Therapist or vet)
• Alternative Therapy
• Dental Illness Treatment

If your pet has a pre-existing condition, you may not be covered for any related treatments or illnesses which happen as a result of the condition.

A pre-existing condition is:

• A condition that existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period.
• A condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of. This is irrespective of whether the underlying or causative condition was diagnosed at the time. 

Whether it is a pre-existing condition will depend on its nature and experience. If your pet has a temporary condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18-month period immediately prior to your claim treatment date, it will no longer be excluded from cover as a pre-existing condition. Chronic Conditions and several other specified Conditions cannot fall within this category. 

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:

• 30 days for conditions covered under the illness and specified conditions cover sections
• 6 months for Cruciate Ligament Conditions.
• 6 months for dental illness benefit if selected with Indoor Cat plan.

There is no waiting period for specified accidental injury cover.

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.

Excess means an amount you contribute towards the cost of your claim(s), as shown on your certificate of insurance. The excess is calculated on a ‘per condition, per policy period’ basis. We do this for each condition treated that is unrelated to any other condition during the same policy period.

Your excess also applies to each emergency boarding claim event. The excess will be deducted from your calculated claim benefits after we apply any benefit limit, sub-limit and the benefit percentage to your claimed amount.