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Find your purfect product fit

We take a closer look at the different types of pet insurance policies available to help you find the right fit for your pet.

PetSure offers various cover types ranging from comprehensive coverage for accidents and illnesses, to stated events coverage for specified illnesses and specified accidental injuries (for example Extended Accident, Indoor Cat, Basic Care and Benefit Schedule plans).
Waiting periods, pre-existing conditions, condition exclusions and applicable excess will vary by product, so please check with your preferred insurer for more information.
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Policy type
Policy description
What is typically covered?
What is not covered

Extended Accident

What’s covered:

Indicative cost:

Lifetime cover:

(as long as we continue to provide this product and there is no break in cover, subject to the terms and conditions at each renewal)

This product provides limited cover for both specified accidental injuries and specified illness conditions up to an annual policy limit with all annual limits resetting each year when the policy is renewed.

Most policies will reimburse a stated Benefit Percentage that is typically 80% of eligible vet bills. It’s important to know that only defined specified items are coverable as listed in the policy’s Product Disclosure Statement (other conditions will not be covered).

  • Motor vehicle incidents
  • Tick paralysis
  • An allergic reaction to bites from an insect or arachnid such as ants, bees, flies, mosquitoes, scorpions, spiders and wasps
  • Bone fractures
  • Snake bite toxicity
  • Traumatic ligament or tendon injuries
  • Bite wound or fight wound abscesses
  • Cruciate ligament conditions
  • Lacerations and abrasions
  • Burns or electrocution
  • Pre-existing conditions
  • Breeding related conditions
  • Preventive and elective treatment
  • External parasites such as ticks, fleas or skin/ear mites (unless resulting in tick paralysis)
  • Conditions that are not listed as a coverable specified accidental injury or specified illness condition in the Product Disclosure Statement
  • General exclusions listed in the Product Disclosure Statement

Indoor cats

What’s covered:

Indicative cost:

Lifetime cover:

(as long as we continue to provide this product and there is no break in cover, subject to the terms and conditions at each renewal)

This product provides cover for cats only for a list of specified conditions, tailored to the needs of indoor cats (who lead a very different lifestyle to cats that can also venture outdoors).

With a stated benefit percentage that can typically range from 65-80%, you can claim up to an annual maximum limit each year, which resets on renewal.

Some providers may have optional or included benefits such as a dental benefit and non-insurance benefit routine care.

  • Cancer
  • Feline lower urinary tract disease
  • Gastrointestinal problems
  • Ingestion of foreign object
  • Diabetes
  • Hyperthyroidism
  • Heart disease
  • Renal disease
  • Pre-existing conditions
  • Breeding related conditions
  • Preventive and elective treatment
  • Fight wounds
  • Broken bones
  • Dental conditions (unless covered by an optional or included benefit)
  • Any conditions not specified in the Product Disclosure Statement
  • General exclusions listed in the Product Disclosure Statement

Basic care

What’s covered:

Indicative cost:

Lifetime cover:

(as long as we continue to provide this product and there is no break in cover, subject to the terms and conditions at each renewal)

This product provides limited cover for both specified accidental injuries and illness conditions, with a stated Benefit Percentage that can range from 60-90%. Treatments and medications for eligible conditions are typically covered subject to the applicable policy limits.

These products may also have an annual condition limit, which is the most you can claim for a condition per policy period. Due to the annual condition limit and any other policy limits, you may still need to pay for a significant portion of the eligible vet bill.

However, annual benefit limits and applicable annual condition limits reset on renewal each year.

  • Specified accidental injuries
  • Specified illness conditions only, namely vomiting, skin conditions, ear infections, patella luxations
  • Pre-existing conditions
  • Breeding related conditions
  • Preventive and elective treatment
  • Conditions that are not listed as a coverable specified accidental injury or specified illness in the Product Disclosure Statement
  • Unless specified otherwise consultation fees
  • General exclusions listed in the Product Disclosure Statement

Benefit Schedule

What’s covered:

Indicative cost:

Lifetime cover:

(as long as we continue to provide this product and there is no break in cover, subject to the terms and conditions at each renewal)

This product provides limited cover for both specified accidental injuries and specified illness conditions, a table lists the maximum benefit amount payable for eligible veterinary expenses for each condition for the policy period, with a stated benefit percentage that typically ranges from 65-100%.

Some providers may have optional or included benefits such as a dental benefit and non-insurance benefit routine care.

  • Motor vehicle incidents
  • Tick paralysis
  • A reaction to a bite from an insect, spider or scorpion
  • Bone fractures
  • Snake bite toxicity
  • Ligament or tendon injuries
  • Bite wound or fight wound abscesses
  • Lacerations and abrasions
  • Burns or electrocution
  • Cancer Treatments
  • Diabetes
  • Skin conditions
  • Ear/Eye conditions
  • Ingestion of a foreign object
  • Gastrointestinal problems
  • Pre-existing conditions
  • Breeding related conditions
  • Preventive and elective treatment
  • External parasites such as ticks, fleas or skin/ear mites
  • Conditions that are not listed as a coverable specified accidental injury or specified illness in the Product Disclosure Statement
  • General exclusions listed in the Product Disclosure Statement

Comprehensive / Accident and Illness

What’s covered:

Indicative cost:

Lifetime cover:

(as long as we continue to provide this product and there is no break in cover, subject to the terms and conditions at each renewal)

This product provides comprehensive cover for both specified accidental injuries and illness conditions, with a stated Benefit Percentage that will typically range from 60-90%.

You can claim up to an annual maximum limit each year, which resets on renewal. Sub-limits may apply for some providers for certain items.

Some providers may have optional or included benefits such as a dental benefit, alternative/specialised therapies benefit and non-insurance benefit routine care.

  • Specified accidental injury and illness conditions
  • Cancer
  • Gastrointestinal problems
  • Skin conditions
  • Ear infections
  • Pancreatitis
  • Diabetes
  • Motor vehicle incidents
  • A reaction to a bite from an insect, spider or scorpion
  • Bone fractures
  • Snake bite toxicity
  • Ligament or tendon injuries
  • Bite wound or fight wound abscesses
  • Lacerations and abrasions Ingestion and/or toxicity
  • Cruciate ligament conditions
  • Burns and electrocution
  • Pre-existing conditions
  • Breeding related conditions
  • Preventive and elective treatment
  • Behavioural conditions and training expenses (unless covered by an optional or included benefit)
  • Any conditions as excluded by the Product Disclosure Statement

Information accurate as at January 2024.


Try the PetSure comparison tool to help you research available insurance brands and products that are administered and/or issued by PetSure. Please note the comparison tool may not display all PetSure administered and issued brands or products. See our Partners page for a full list of all PetSure’s distribution partners. The PetSure comparison tool search filters allow you to group products with similar features and may not compare all features relevant to you.

Costs and product information should be confirmed with the relevant insurance brand’s contact centre or online quote tool. Consider the Product Disclosure Statement (PDS) and, before making a purchase decision. PDS and TMDs are available from the relevant insurance brand’s website.

These products are only available to persons over the age of 18 and are only suitable if you can afford to pay the applicable premium, upfront veterinary expenses before submitting a claim (unless GapOnly® is used), and veterinary expenses that are above the accepted claim amount.