Petcover: Pet Insurance Award Winner 2025
Congratulation to Petcover, the winner of Canstar's Most Satisfied Customers Pet Insurance Award 2025.
Petcover's award win comes on the back of a great set of ratings from its pet insurance customers. Across our six award categories, it earns four top 5-Star ratings and two great 4-Star ratings, for Value for Money and Cost.
Not only is Petcover the only brand to earn a 5-Star rating for Overall Satisfaction, its four 5-Star ratings are more than the total earned by the other pet insurance companies in our research combined.
Editor's Notes
Petcover offers three categories of cover for both cats and dogs, within each plan there are three cover levels.
Safety-net Plan
Economy: Provides up to $7000 of annual cover which includes vet consultations. Other cover includes alternative treatment, third-party liability, death from illness or injury, boarding fees, and loss due to theft or straying.
Catastrophe 1: Up to $5000 annual cover for treatments and up to $400 p.a. for vet consultations. Includes cover for skin treatments, cancer, brachycephalic airway obstruction and more.
Catastrophe 2: Provides the same benefits as Catastrophe 1, but with a higher annual treatments limits, up to $10,000.
Mid-range Plan
Core: $5000 annual limit for veterinary bills and $400 for vet consultations. Provides cover for most illness and accident related issues, including cancer treatment, hip dysplasia, etc.
Vital: Includes cover for everything in the Core Plan, but with a higher annual treatments limits, up to $10,000.
Key: Includes cover for everything in the Core and Vital Plans, but with a higher annual limit, up to $10,000.
Superior Plan
Entry: Up to $10,000 annual cover, alternative and complementary treatment, death from illness and injury (age limits apply).
Mid-point: Includes the same cover as the entry plan, but with a higher annual limit of $15,000.
Superior: Includes the same cover as the entry plan, but with a higher annual limit of $20,000.
Co-payment & excess options
Pet Cover's mid-range plan for cats and dogs has three co-payment options: 10%, 20% and 30%. Other plans offer different excess options, including up to 35% of cost of treatment.
Petcover also offers a range of horse and pony, plus exotic pets insurance.
Editor's Notes
AA Pet Insurance is the only provider, other than our winner, to earn multiple 5-Star ratings. It's also notable that its two 5-Star ratings are for Value for Money and Cost, and is the only provider to earn top marks in those categories. Across the other four categories in our award research AA Pet Insurance earns great 4-Star ratings.
AA Pet Insurance offers one customisable plan for dogs, and one for cats:
- Option to add Paw Care, which covers routine costs like check-ups and vaccinations
AA Pet Insurance for dogs
The policy covers your dog for injuries such as:
- Things your dog should not have eaten
- Skin conditions
- Poisoning
- Cruciate ligament injury
- Vehicle accidents
It also covers comprehensive tests and surgery.
AA Pet Insurance for cats
AA Cat Insurance includes cover for injuries such as:
- Things your cat should not have eaten
- Poisoning
- Allergic reactions to insect bites
- Vehicle accidents
- Lacerations
It also covers comprehensive tests and surgery.
Co-payment & excess options
- A 20% co-payment + excess
- Range of excess options: $0, $100, $250, or $500
AA Pet Insurance offers a 5% member discount on new policies.
Editor's Notes
Southern Cross Pet Insurance offers two options for cats and dogs: PetCare and AcciPet.
What’s covered by the PetCare plan?
Comprehensive insurance covering sickness and accidental injury up to $15,000 per year.
- Covers: accidental injury, illness, inherited conditions, vaccinations and check-ups
- Four annual limit levels: $2500, $5000, $10,000, $15,000
- Optional dental-care and everyday treatment cover add-ons
What's covered by the AcciPet Plan?
- Cover only for accidental injury
- Single annual limit level: $5000
Co-payment & excess options
- Range of excess options: $100, $250 or $500
- Range of co-payment options: 10%, 20% or 30%
If you're a Southern Cross member, you'll receive 2.5% off your base pet insurance premium. You can also earn a 2.5% discount for paying by direct debit, and a 5% discount for each additional pet insured. Southern Cross Pet Insurance also offers six weeks free puppy and kitten cover, Ts&Cs apply.
Editor's Notes
SPCA Pet Insurance is available for cats and dogs and features three levels of cover:
Everyday Cover
For small bills:
- Annual benefit limit: $11,000
- Co-payment 30% + $0 excess
- Annual condition limit: $2000
Big Stuff Cover
For large vet bills, for example when your pet needs surgery:
- Annual benefit limit: $25,000
- Co-payment 10% + $1000 excess
- Annual condition limit: $0
The Works Cover
Best for multiple vet treatments:
- Annual benefit limit: $20,000
- Co-payment 20% + $0 excess
- Annual condition limit: $0
Editor's Notes
What does PD Insurance offer?
PD Insurance offers three levels of pet insurance cover for both cats and dogs. The policies on offer are:
Accident Plan
Provides cover for accidents up to $5000 per annum
Classic Plan
Provides cover for accidents and illnesses up to $10,000 per annum. Includes cover for everything in the Accident Plan, plus:
- Illness cover
- Hereditary conditions cover
Deluxe plan
Includes cover for everything in the Classic Plan, plus dental up to $20,000 per annum.
All plans also come with:
- 5% multi-pet discount
- Option to pay month-to-month with no contract lock-in
- All policies include liability cover that protects you if your pet causes injury or damage to someone else or their property
Co-payment & excess options
- No co-payment, receive up to 100% of treatment costs
- Range of excess options: $100, $150 or $200
Editor's Notes
Pet-n-Sur offers cover for pets, including: cats, dogs, rabbits and horses. The options of cover vary between each animal. Cat and dog plans range from the comprehensive Platinum plan, to the basic Rhodium plan, as well as surgical and dental options. Rabbit policies are more limited, while equine cover can also include saddlery and tack, horse floats and theft.
Pet-n-Sur's cover levels for cats and dogs includes:
- Titanium: Provides the highest annual limit but less comprehensive cover. Up to $18,000 cover for surgical and medical bills, specialists, hereditary conditions, and alternative therapy. The policy holder pays 20% of each claim.
- Platinum: Up to $9000 cover, including surgical and medical bills, vaccinations, microchipping, desexing, and to cover the cost of replacement pets. It includes specialists, hereditary conditions, alternative therapy, boarding fees and funeral costs. The policy holder pays 20% of each claim.
- Rhodium: Up to $6000 cover, includes surgical and medical bills, specialists, hereditary conditions and alternative therapy. The policy holder pays $300 of each claim.
- Silver: Up to $4000 cover, includes everything in the Platinum/Gold plans. The policy holder pays 30% of each claim.
Co-payment options
- Co-payment up to 50% depending on plan and condition
- $0 excess on general cat and dog policies
Other pet insurance providers
Not all brands in the market qualify for our ratings (based on minimum survey sample size), but that doesn't mean they're not worth considering. Here is another brand to check out before making a purchase decision:
- Cove Pet Insurance
- Might Ape Pet Insurance
- Tower Pet Insurance
Cove offers three pet insurance policies:
Accident Only
A budget-friendly pet insurance plan that covers your pet for accidental injury only:
- Co-payment 10% + $500 excess
- Cover limit: $5000
Major
Covers both accidents and illnesses, and is designed to be used only for large vet bills, and not everyday expenses:
- Co-payment 10% + $1000 excess
- Cover limit: $25,000
- Cover for cancer treatment
- Cruciate ligament conditions benefit
- Hereditary & congenital conditions cover
- Cover for eye, ear, skin and parasite conditions
Major + Minor
For if you'd like more certainty about what you'll need to pay in a year for your pet's health needs, plus protection from larger unexpected events. Offers same cover as Major plan, except:
- Co-payment 20% + variable excess
- Optional extras: Dental / Everyday cover
Discounts apply for pets under six-months old, taking out multiple policies and choosing to pay annually.
Mighty Ape offers pet insurance via Cove, which it combines with its own offers and discounts through its website:
Accident Only
A budget-friendly pet insurance plan that covers your pet for accidental injury only:
- Co-payment 10% + $500 excess
- Cover limit: $5000
Major
Covers both accidents and illnesses, and is designed to be used only for large vet bills, and not everyday expenses:
- Co-payment 10% + $1000 excess
- Cover limit: $25,000
- Cover for cancer treatment
- Cruciate ligament conditions benefit
- Hereditary & congenital conditions cover
- Cover for eye, ear, skin and parasite conditions
Major + Minor
For if you'd like more certainty about what you'll need to pay in a year for your pet's health needs, plus protection from larger unexpected events. Offers same cover as Major plan, except:
- Co-payment 20% + variable excess
- Optional extras: Dental / Everyday cover
Discounts apply for pets under six-months old, taking out multiple policies and choosing to pay annually.
Tower offers three levels of pet insurance cover for cats and dogs:
Accident Only
- 20% co-payment
- Cover limit $5000
- Includes lower limits for patella and cruciate ligament surgery, plus alternate therapies
Essential
- 20% co-payment
- Cover limit $7000 for accident or illness
- Includes lower limits for patella and cruciate ligament surgery, plus dental care and alternate therapies
Comprehensive
- 20% co-payment
- Cover limit $15000 for accident or illness
- Up to $100 annually for routine care
- Includes lower limits for patella and cruciate ligament surgery, plus dental care and alternate therapies
Co-payment options
- Co-payment 20% + $0 excess
