Petcover

We have been on a journey with our beautiful 3yr old Staffyxrottie over the last 6 months as she had injured BOTH her cruciates. She has undergone 2 surgeries and on top of that the dreaded skin conditions her breed is prone to! Pet cover has covered all of the treatment she has had for both conditions (outside our excess and any further… Read more

preventative measures we opted for). Honestly a lifesaver being insured with Pet Cover. Any other company would have only covered max 80% of the costs...

Have insured with them since my fur baby was a pup ,11.5 years been recently paying $250 month and rebate on claims over the years have steadily got worse and worse and of course fees have been increased hugely. My girl became quite ill over the past months and she was diagnosed with cancer and in the end she could no longer jump into the car (… Read more

and I couldn’t lift her in) as I’m now quite elderly and my husband is now in residential care, so recent times I’ve had to have a mobile vet come to her and last month the vet came to put her to sleep . Then l discovered that they wouldn’t cover euthanasia? I was astounded as they pay if your pet dies suddenly or is killed in an accident. What am l supposed to do…let my girl suffer.?? . Don’t ever insure with this company.

Pet cover for my babies – Been a part of pet cover for over 10 plus years it has been wonderful and my puppy and kitten families love the fact that they receive 6 weeks insurance for piece of mind its been wondeful Show details

Can't fault them – We took out pet insurance with Petcover when we got a puppy 2.5 years ago. Since then we've had to make a few claims, the most recent being the most significant. With each claim the process has been easy and the return come quickly. On most occasions we have been covered for most of the cost. It has well and truly paid for itself. We would prefer him to stay out of trouble but this cover has been a godsend. Show details ·  1

Good but you need to be patient – Hell, my claim was sent in, assessed, and approved. You do need to be a bit patient as they seem to be a little short staffed, like many places I have seen of late. They are very nice folks, do get back and no issues. Show details ·  1

Don’t bother signing up with Petcover Insurance . They don’t pay out on claims and have hidden clauses. Absolute joke don’t waste your money ! Not prepared to call you back or discuss.

Wouldn’t bother for a horse. I made a claim for ulcer treatment which they ‘accepted’ so the 12 month started from that day but due to the $1000 (!!!) excess I got no money back as the vet bill was $987 but my time started running and it only covers conditions once! Total scam so in reality they would never have to pay for ulcer treatment / also had to follow up the claim twice Show details

Absolutely appalled by PetCover’s dishonesty and misrepresentation. We took out a policy in good faith, only to find that the cover did not match what was advertised or explained on the phone when we committed to purchasing the policy. Critical information was hidden in fine print, and when we lodged a claim, it was declined on grounds that… Read more

completely contradicted the original policy advice. PetCover admitted their dishonesty and misrepresentation, yet still refused to honour the claim. The matter has now been referred to the ombudsman. We feel completely misled and let down. Worse, our puppy suffered needlessly purely because of their lies.

We moved from overseas with our beagle and after shopping around a lot, Petcover had the most value and It was really easy to claim. Had to claim twice in the past year cause my beagle can be a menace. Customer service was excellent and I just had to submit my vet note with the claim, really straightforward. Show details

Cannot claim anything – Can’t claim vet visit. Useless insurance. Other company insurance was much more easier to deal with than this company. DONT BUY THIS INSURANCE Show details

Expensive and Difficult – This company is a complete scam. They will do anything to get out of paying a claim. We have had our pets insured with Petcover (formerly Petplan) for years. They have gotten progressively worse in paying claims and heavily increased their prices over the years. We have now cancelled all our policies after Petcover refused an pay anything towards… Read more

a claim. I would not recommend Petcover to anyone and would suggest that if you are currently insured with them you cancel your policy.

wasn't covered at all – I signed up in 2023 and it was through my vet that i adopted my cat through. I had 8 weeks free cover and its now the 5th of Feb 2025 the company called me demanding their money (rude). I was also very annoyed due to the fact that my beloved cat wasn't covered from then til now i told them i cancelled 2 months into the cover and i was explaining… Read more

to the person on the telephone its their problem and your customer service and cover was so bad. i don't recommend them to anyone

Don’t waste your money, it’s a nightmare! – Their claim procedure is very slow and no online submit. Need to fill up a form and not reply until you contact them. And they tried to decline your claim with any reason. First waiting period (actually waived), and then they said pre-existing condition - parasite (actually just regular prevention drop). And then they said vomit before insurance… Read more

start (actually it was temporary pre-existing condition). I can’t believe how can they non-stop changing the reason of decline. I immediately cancel the policy and also report to consumer affairs.

Unethical – Petcover are quick to advise you don't qualify for a refund however not quick to pay legitimate claims. They used obvious delaying tactics for 8 weeks over the Christmas period for a $4K claim. Some people just couldn't afford to be out of pocket this amount for this long. Very disappointing! Show details

Worst rip off ever – Been with petcover 7 years. Latest claim they decided to split one invoice and vet admission in to 3, then apply the excess to each . So for one vet visit, they've charged me the excess 3 times and reduced the whole claim by $600. How is the legal??? Show details

The worst Pet Insurance company - The worst experience m- The worst claims process - Ever decreasing cover – I am in shock. I have been made to feel so stupid and so ripped off, especially when I read all these terrible reviews about the same thing. My lovely Staffy Charlie is like my support dog hes been there for me through a lot with Lymes Disease put up with little exercise and just sat with me always with a loving smile and a lick. I paid for… Read more

insurance as I could not work much and needed the peace of mind, I also had Pet-Plan in England for 11 years without a claim. I paid for Charlie for 7 years roughly so that's 18 years of paying insurance to pet-plan.

I was aware of the increased age discrimination only allowing a 35% payout and the $150 excess, but I had NOT noticed the $10,000 cap. When on earth did that creep in? They change the rules as they go along to suit them, and you are trapped into an ever-increasing policy once your dog is too old to be moved to another. Or when the competition is gone, they hike up the rates and lower the proportion paid. Should the length of payments not be explored here? It's outrageous the control they have at changing things after your agreement. The claim experience was terrible and there was no one to speak to. The vet specialists were apologizing to me for my experience when it was not their fault, but I had to make a decision about treatment before the insurance confirmed what I am covered for.

So instead of about $7500 contribution I had to pay $15,400 - Thanks for nothing PetPlan! DO NOT USE THIS INSURANCE BETTER TO SAVE THE FUNDS INSTEAD

I am taking this further. I am a Credit advisor with my own credit license.

DO NOT USE PETCOVER! They change the terms and penalise you – I have had pet insurance with different mobs over the last couple of decades and Petcover is without a doubt the worst insurance I have ever had. I insured my dog when she was a few weeks old as I bred her and read through the policy to ensure there were no penalties for aging dogs and the cover suited my needs. I initially paid $98 a month with… Read more

an 85% rebate but when my dog got older the fees went up and the amount I could claim was reduced until I was paying $750 a month and I could claim a pathetic 35%. When the insurance went up it would have been impossible for me to cancel the insurance and go with another insurer because they don’t insure older dogs especially my breed so I was basically stuck with Petcover and they knew this. To increase my rates to $750 a month and reduce the amount I can claim to 35% is beyond outrageous because they are exploiting our love and dedication to our dogs knowing I could not insure my dog with any other insurer.. I don’t understand how this can legally be possible because it’s exploitation.. I could use another term but I think product review would not like it. I am warning everyone who is thinking of insuring your dog with Petcover, DONT! They will change the terms of the insurance whenever they want and rip you off.. like I have been for many years. If I knew the terms would change so ageing dogs are penalised I would have gone elsewhere. Go elsewhere because other pet insurers have more integrity.. JUST DONT USE PETCOVER!

Terrible company – Have had my dog insured with them 9 years but they are now shocking to deal with and expect an hour wait time on hold to speak to someone and no help at all Show details

do no waste your money – Disgraceful company, poor customer service with long hold and almost non existent resolutions. No call backs. Been trying to cancel my policy for more than a week with no success. As a veterinarian I do not recommend this company. It used to be good back 10 years ago when it was pet plan. Absolutely disgusting Show details

What's the point in expensive insurance if you can't make a claim? – I have my two dogs insured with PetCover and have since birth - they are now 9 and 12. I estimate that I have spent over $25,000 on insurance throughout this time (conservatively). I am now spending $350 a month on insurance for my two dogs. They hit you with an age excess on top of the normal excess once they are deemed elderly, so the % of the… Read more

cost you can claim drops dramatically.

I made a claim for my 9 year old dog as he had to have teeth removed on 23/7/24. It took countless follow up emails and calls to finally be told on 20/8/24 the claim had been declined. Conveniently during this time, Thomas' policy was due for renewal and jumped up in price. They declined the claim as he hadn't had his teeth checked in the last 12 months. While that may be deemed reasonable, it wasn't a normal dental clean, he required surgery. I have now sent numerous emails and phone calls asking for this case to be reconsidered and escalated, and keep being told it has been sent to the case manager. Nearly 3 weeks later and I have had NO real communication.

This experience has been costly and incredibly stressful. Petcover's processes do not support the customer experience. Either their staff are inundated with claims and they are understaffed, or they are lacking the clear processes on how to escalate claim disputes.

I am now moving on to lodge a complaint with the Australian Financial Complaints Authority if I don't hear back this week, and considering cancelling my insurance all together and simply saving the $350 a month to cover costs. What is the point in expensive insurance if you cant make a claim?

Continued charges after pet deceased – Feeling heartbroken over the loss of my 14.5 year old dog Pepe who has been insured with Petcover since he was a tiny pup. After having to make the awful decision last week to have Pepe put to sleep I’m told by Petcover today that even though Pepe is gone I still have to pay the remaining 9 months of the policy until the policy renewal date. It… Read more

may be in the fine print but shame on you Petcover for even having such a disgusting clause in your policies. You had the nerve to email me to say sorry for your loss but you still have to pay us another $641 even though your dog is gone. I will never use your services again and will be telling all my fellow pet friends about your appalling policies. You may be insurers but don’t you dare pretend to care about animals and their families.

Terrible customer service – Not helpful or friendly with customer service when I had questions and it felt like they were avoiding giving answers or didn’t even know the right answers. This put me off following through with cover for the years to come. I would definitely look elsewhere. Show details

Not a good product or insurer – Weasel out of having to pay anything citing 'policy exclusions' typical of this type of unreliable insurer. Just take your money elsewhere. Show details

Too many clauses – Don't waste your money. Don't assume a condition is covered for 12 months from clinical signs as they'll throw the calander year renewal at you. Show details