Gold Cover
We love our pets. But sometimes they can be clumsy. And unpredictable. And a little over-eager. In the case of an accident, you want to know that your pet will get the protection it deserves. Gold Cover will cover up to 80% of eligible vet bills for a wide range of accidents, from falls and spills, to bites and allergic reactions.
There are also great value add-ons available for coverage of all those routine expenses, like vaccinations, desexing and obedience training.
What’s covered:
- Cover up to 80% of Eligible Vet Bills
- Excess options of $0, $250, $500
- A range of specified accidental injuries, including but not limited to burns, snake bites and poisoning.^
- Claim limit of up to $20,000 a year to help with prolonged or expensive treatment
- Includes cover for consultations and emergency boarding.
- Freedom to take your pet to any vet registered to practice in Australia.
- Add optional Routine Care and we’ll help you pay for everyday essentials like health checks, obedience training and teeth cleaning.
Policy Terms & Conditions, limits, exclusions and waiting periods apply. Sub-limits and excess may apply. See the Product Disclosure Statement for details.
What’s included
Coverage |
Gold Cover |
|---|---|
| Annual Benefits Limit | Up to $20,000 |
| Benefit Percentages | 80% |
| Excess | $0, $250, $500 |
| Eligibility | Older than 8 weeks and younger than 9 years |
| Coverage | Specified Accidental Injuries and Illnesses |
| Cruciate Ligament Conditions sub-limit | $4,000 per leg per policy period |
| Hip Joint Surgery sub-limit | $6,000 per hip, per policy period. (Total Hip Replacements are included) |
| Emergency Boarding sub-limit | $1,000 |
| Dental Illness Benefit | $1,000 (optional) |
| Waiting Periods | 0 days for Specified Accidental Injuries
21 days for Specified Illnesses 6 months for Cruciate Ligament Conditions and Optional Ligament Conditions and Optional Dental Illlness Benefit; if selected |
Benefits & Features
Coverage |
Indoor Cat Cover |
|---|---|
| Annual Benefits Limit | Up to $20,000 |
| Benefits Percentages | $0, $250, $500 |
| Eligibility | Older than 8 weeks and younger than 9 years |
| Coverage | Specified Accidental Injuries and Illnesses |
| Cruciate Ligament Conditions sub-limit | $4,000 per leg per policy period |
| Hip Joint Surgery sub-limit | $6,000 per hip, per policy period. (Total Hip Replacements are included) |
| Emergency Boarding sub-limit | $1,000 |
| Dental Illness Benefit | $1,000 (optional) |
| Waiting Periods | 0 days for Specified Accidental Injuries
21 days for Specified Illnesses 6 months for Cruciate Ligament Conditions and Optional Ligament Conditions and Optional Dental Illness Benefit; if selected |
Optional Extras
If you want to feel like the top dog, just add a little extra and help cover your pet’s routine expenses.
Optional Non-Insurance Routine Care
Optional Dental Illness Cover
| Silver Cover | Gold Cover | Platinum | |
|---|---|---|---|
| Dental Illness Cover | $1,000 (optional) | $1,000 (optional) | $1,000 (included) |
Annual Claim Limits up to $30,000
A range of annual limits to choose from, you can rest easy knowing you’re covered.
Your Pet, Your Vet
Take your pet to any licensed veterinary practice in Australia.
Simple Claims Process
Our Online Portal makes claims smooth, simple and fast.
We hope your pet never has an emergency, but if the worst should happen, we’ll help get them the care they deserve and help reduce the stress and worry of your mounting vet bills.
Update your details or make a claim via our easy online portal.
+Offer commences on 12:00AM AEST 6 February 2026 and ends on 11:59PM AEST 6 February 2028 (Offer Period). Offer provides new customers with 2 months free in their first policy year only when purchasing a Petinsurance.com.au Pet Insurance Policy during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first 2 months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the 3rd month of your policy. For annual payments, the 2-month free will be deducted from your first policy year premium at the time of purchase. Offer applies to new Petinsurance.com.au Pet Insurance policies purchased during the Offer Period, online or by phone using promo code 2MFREE. Offer will cease if you change your level of cover. Not available with any other offer except for multi-pet discount for additional pets. Offer subject to the terms and conditions of the Petinsurance.com.au Pet Insurance policy available https://petinsurance.com.au/. Eligibility criteria applies and is subject to the Petinsurance.com.au Pet Insurance terms and Conditions (Refer to the Product Disclosure Statement). We reserve the right to withdraw, vary or extend this Offer at any time, without notice.
^Monthly $10 Kogan.com credit offer valid on single purchases of $100 or more (excluding shipping). Offer applies to all active Kogan together with Petinsurance.com.au policies ("Relevant Policy"), after 30 days from the commencement date of the Relevant Policy. Credit will be issued by Kogan.com via email, in the first week of every month to all eligible policyholders. Credit will expire 30 days from date of issuance. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free. You will be sent an email from Kogan.com to create an account so you can claim your Kogan.com credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. Credit cannot stack with other vouchers or credits. Credit cannot be used in conjunction with certain other promotional offers. Credit cannot be used to pay for a Kogan First membership. Kogan may amend or withdraw this offer at any time. Kogan.com is solely responsible for all representations made regarding this offer. The Hollard Insurance Company Pty Ltd and PetSure (Australia) Pty Ltd take no responsibility for the goods or services procured from Kogan.com.
*Policy Terms and Conditions, limits, waiting periods, exclusions and excesses apply.
~Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available in your portal log-in.
#The gap is defined as the difference between the eligible vet’s invoice and the claim benefit under your policy. Policy terms and conditions apply. GapOnly® is only available at participating vets. Please visit gaponly.com.au/find-a-gaponly-vet to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure).