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Pet Luxury Cover
Pet Luxury Cover is the highest level of protection for your beloved pet. Never compromise on care with coverage of up to 80% of eligible vet bills and a generous claim limit of $15,000 a year.*
We also have a great value add-on available for coverage of all those routine expenses, like vaccinations, desexing and obedience training.
What’s covered:
Up to 80% of eligible vet bills that will step down to 65% on the first renewal after your pet’s 8th birthday
Excess options of $100, $50 or $0.
- A wide range of accidental injuries and illnesses, including but not limited to burns, snake bites and poisoning.^
Claim limit of up to $15,000 a year to help with prolonged or expensive treatment^
A wide range of additional benefits, including overseas cover when you’re travelling with your pet, tick paralysis treatment, essential euthanasia and much more.*
- Lifetime cover when you insure your pet from 8 weeks up to 9 years of age and continue to renew your policy.
Subject to the terms and conditions. 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.
Exclusions and conditions apply – for full details, download the Kogan Pet Luxury Cover Product Disclosure Statement.
*Terms, conditions, waiting periods and some exclusions apply.
^ Excludes pre-existing conditions – see the Product Disclosure Statement for details.
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Product Disclosure Statements
What’s Included
Coverage |
Pet Luxury Cover |
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|---|---|---|---|---|---|
| Entry Age Limit | Apply from 8 weeks old to 9 years |
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| Excess | $0, $50, $100 | ||||
| Benefit % |
|
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| Annual Benefit Limit | $15,000 | ||||
| Covers Illness | |||||
| Overseas Travel | View Product Disclosure Statement for more details | ||||
| Coverage | Specified Accidental Injuries – which is a condition that is a direct consequence of or resulting in the following list: a) a motor vehicle incident b) a burn or electrocution c) an allergic reaction to insect or arachnid bites d) a bone fracture e) snake bite toxicity f) a traumatic ligament or tendon injury other than Cruciate Ligament Condition g) bite wound or fight wound abscesses h) lacerations or abrasion of tissue, skin or mucous membrane due to external violenceExamples of Illnesses we generally cover are: a) cancer Treatments b) skin Conditions c) eye/ear Conditions d) ingestion of a foreign object e) gastrointestinal problems f) hereditary and congenital Conditions (excluding Pre-existing Conditions) g) tick paralysis h) intervertebral disc disease (IVDD) i) poisoning j) Cruciate Ligament Conditions View Product Disclosure Statement for further details |
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| Consultation Fees Limit (annual) (in relation to conditions covered by your policy) |
$300 | ||||
| Cruciate Ligament Limit (annual) | $2,600*
*You may be eligible for a higher limit and if so this will be specified on your certificate of insurance, except for pre-existing conditions |
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| Tick Paralysis Limit (annual) | $2,000 | ||||
| Emergency Boarding | $1,000 | ||||
| Waiting Periods | 6 Months for cruciate ligament conditions
30 days for some conditions (refer to Section 2 of the Product Disclosure Statement) 0 days for specified accidental injuries |
Coverage |
Pet Luxury Cover |
|---|---|
| Entry Age Limit | Apply from 8 weeks old to 9 years |
| Excess | $0, $50, $100 |
| Benefit %: Pets Under 8 | 80% |
| Benefit %: Pets 8+ | 65% |
| Annual Benefit Limit | $15,000 |
| Covers Illness | ✔ |
| Overseas Travel | ✔ View Product Disclosure Statement for more details |
| Coverage | Tick paralysis Cruciate ligament conditions Motor vehicle incidents Heat stroke Burns Poisoning Electrocution Allergic reaction to insect bite Bone fractures Snake bites Embedded grass seed Fight wound or other laceration Soft tissue injury Ingestion of foreign object Cancer Bladder stones Corneal ulcer Immune Mediated Blood Disease Brachycephalic Airway Syndrome Elbow dysplasia Hip dysplasia Patella Luxation Spinal disc rupture Gastrointestinal problems Diabetes Hypothyroidism Heart disease Renal disease View Product Disclosure Statement for further details |
| Consultation Fees Limit (annual) (in relation to conditions covered by your policy) |
$300 |
| Cruciate Ligament Limit (annual) | $2,600*
*You may be eligible for a higher limit and if so this will be specified on your certificate of insurance |
| Tick Paralysis Limit (annual) | $2,000 |
| Emergency Boarding | $1,000 |
| Waiting Periods | 6 Months for cruciate ligament conditions
30 days for some conditions (refer to Section 2 of the Product Disclosure Statement) |
Optional Extras
If you want to feel like the cat that’s got the cream, just add a little extra and help cover your pet’s routine expenses.
$80 Benefit that can be claimed across any of the following
Desexing, Microchipping, Heartworm control, Teeth cleaning, Prescription diets, Cremation or burial, Dental illness treatment, Council registration fees, Obedience training, Behavioural therapy, Alternative therapies.
Plus: $40 Benefit for any one of the following:
Vaccination or health check, Flea/tick/worm control, Heartworm control.
Why Kogan Pet Insurance?
+$75 Kogan.com Credit offer (“Offer”): The Offer is valid for all Kogan Pet Insurance policies (each a “Relevant Policy”). The Offer is valid for new Relevant Policies (not renewal or reinstatement policies) for a limited time only . Kogan.com reserves the right to amend, extend or withdraw this Offer at any time. The Kogan.com Credit (“Credit”) will be sent to the e-mail address of eligible policyholders after 90 days from the commencement date of the Relevant Policy, provided all required payments are paid. The Relevant Policy must also remain active and must not have been cancelled or refunded within that 90-day period. The customer must provide a valid email address at the time of purchase to receive this Credit. 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 to receive the Credit. You will be sent an email to create an account so you can claim your Credit, in doing so you will be required to accept the standard Terms and Conditions available here, which Kogan.com requires all account holders to accept in order to open a Kogan.com account. You are also required to meet any relevant terms and conditions of the Relevant Policy, contained in the relevant Product Disclosure Statement (PDS) available here, when applying for the Relevant Policy. Credit expires 3 months from date of issue. Credit is not transferable or redeemable for cash. The Hollard Insurance Company Pty Ltd and PetSure (Australia) Pty Ltd take no responsibility for the goods or services procured from Kogan.com.