Terms & Conditions

Your 6 Week Free Instant Policy

Product Disclosure Statement

This Product Disclosure Statement (‘PDS’) which includes the Policy wording contains important information about this 6 Week Free Instant Insurance Policy and how it works. This is an important document that has been designed to help You make an informed choice when selecting a suitable insurance Policy to meet Your insurance requirements. You should take necessary time to fully consider its contents before making a decision about it.

Other documents may form part of Our PDS. Any such documents will include a statement identifying them as part of this PDS and will be provided at the same time as this PDS.

You need to read the Policy wording for a full description of the terms, conditions and exclusions that apply.

The Insurer

Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 (Allianz) is the Insurer of Your Policy.

Administrator

Petplan Australasia Pty Ltd ABN 64 069 468 542 AFSL No. 245663 is the sole Administrator of the policy acting under a binder granted by the Insurer that authorises it to issue, vary and dispose of this Insurance and to manage and settle claims and deal with complaints.

Contact details are as follows, Head Office: 1-3 Smolic Crt, Tullamarine Vic, 3043 Ph: 1300 738 225 Fax: (03) 9339 3377.

Your cooling-off period

This contract gives You a cooling off period. If for any reason You are not entirely satisfied with Your Policy You can cancel it within the 14 day period commencing on the earlier of the date on which Your Certificate of Insurance is issued and the end of the fifth business day on which the Policy was issued to You. To exercise Your cooling off rights You must advise Us of Your intention to cancel in writing and We will cancel Your Policy. Send written confirmation to: Petplan, 1-3 Smolic Crt, Tullamarine Vic, 3043.

You cannot exercise Your cooling off period cancellation right if You have made a claim within the 14 day cooling off period or something has occurred for which a claim may be payable under this Insurance.

Cancellation

You may cancel Your Policy at any time by writing to Us provided We have not paid a claim.

We will not accept Policy cancellation requests by telephone.

We reserve the right to cancel this Policy on seven (7) days written notice if You do not abide by the terms of these conditions of this Policy, including if You act dishonestly or fraudulently.

Fraud

Fraud by insureds increases insurance premium and the premiums of all Policy holders. If you

provide Us with false information, or
make a false or exaggerated claim with Us, or
make any claim with Us which involves Your dishonesty,

We may reduce the amount of or not pay Your claim and in some case We may void Your Policy.

What You can do to assist Us

Please read this PDS and Policy carefully to make sure it meets Your requirements.

Let Us know if Our service does not meet with Your approval.

Let Us explain to You any area of Your Policy or claim which You are having difficulty with.

Retain this PDS and Policy in a safe place together with any Certificate of Insurance We send You.

Keep evidence of any loss, to help Us ensure that Your claim will not be held up.

Tell Us if You do not understand anything in connection with this PDS and Policy.

General Insurance Code of practice (‘the Code’)

The General Insurance Code of Practice was developed by the Insurance Council of Australia to further raise standards of practice and service across the insurance industry. The Insurer and Petplan keenly support the standards set out in the Code. You can obtain more information on the Code of Practice and how it assists You by contacting Us.

If You have a complaint

Our aim is to get it right, first time, every time. If We make a mistake We will try to put it right promptly.

We have a free internal complaints resolution process that can be assessed by contacting Us in the first instance:

Petplan Customer Centre, 1-3 Smolic Crt, Tullamarine Vic, 3043. Phone 1300 738 225.

If You are not fully satisfied with Our decision, You may contact Allianz Australia Insurance Limited by contacting the Internal Disputes Resolution Officer, GPO Box 9897, Melbourne Vic 3001. If this process doesn’t resolve the complaint, You may be able to access the services of an independent external dispute resolution body called Financial Ombudsman Services (FOS) by contacting:

Financial Ombudsman Services Ltd., GPO Box 3, Melbourne Vic 3001. Phone: 1300 780808, Fax: (03) 9613 6399, email: info@fos.org.au

Your private information

In this ‘‘Your private information’’ section We, Our and Us refers to both Allianz and Petplan.

Telephone calls may be monitored and recorded. This allows Us to check information You give Us and also helps to prevent fraud. We will give Your information to a regulatory body if they make an official request.

We collect personal information from You for the purpose of providing You with Insurance products, services, processing and assessing claims. You can choose not to provide this information, however, We may not be able to process Your requests.

We may disclose information We hold about You to other insurers, an Insurance reference service or as required by law.

In the event of a claim, We may disclose information to and/or collect additional information about You from investigators or legal advisors. If You wish to update or access the information We hold please contact Us.

From time to time We may advise or offer You information on other insurance products or services that may be relevant and of interest to You.

If You do not wish to receive these offers or information please advise Us.

Our Privacy Policy is available on Our website at www.petplan.com.au/privacy.asp or by calling Us, and sets out how We collect and store and protect Your personal information.

Significant features and benefits

For details of all relevant Policy features You must refer to the full terms, conditions and exclusions of the Policy and the Certificate of Insurance which specifies the options taken for a full explanation of the cover.

6 week Puppy and Kitten Product Summary
We pay up to the Maximum Benefit for		Benefits
Vet’s Fees & Alternative Treatment	For Illness & Injury, including hospitalisation, referral & medicines	Up to $3,000
Death from Illness	Losing a Pet is a great sadness, but We will refund the purchase price.	Price paid up to $1,500
Death from an Injury	Nothing can replace a loved Pet, but We will refund the purchase price.	Price paid up to $1,500
Advertising & Reward	If Your Pet gets lost or stolen, We will pay for local newspaper advertising & a reward.	$400
Theft or Straying	If Your Pet is not found, despite all efforts, We will refund the purchase price.	Price paid up to $1,500

Exclusions

Insurance is not intended to cover every single occurrence, in fact, there are some circumstances the Policy You are considering will not provide Insurance cover for. For example, under all sections of the Policy, We do not pay for:

A Condition specifically excluded on Your Certificate of Insurance or Policy.
Any animal less than 8 weeks old or more than 36 weeks at the commencement of cover.
Dogs being used for guarding, track racing or coursing.
Any breed of dog that is banned by any Australian Government, Public or Local Authority, or that is crossed with any banned breed or any Pit Bull Terrier or Dingo or crosses of these breeds.
Any dog declared as a dangerous dog by a Government authority.
Any dog that must be registered under the Dangerous Dog Act.
Any amount if Your Pet is confiscated or destroyed by any Government or Public or Local Authority or any person or body having the jurisdiction to do so.
Any costs caused because any Government or Public or Local Authority or any person or Body having the jurisdiction to do so, has put restrictions on Your Pet.
Any amount if You break Australian animal health or importation laws or regulations.
Legal expenses, fines and penalties connected with or resulting from a breach of criminal law, or an Act of Parliament.
Any loss caused by, arising from, or in any way connected with an act of force or violence for political, religious or ideological reasons war, acts of terrorism, riot, revolution or any similar event, including any chemical or biological terrorism.
The cost of treating any Injury or Illness caused by, arising from, or in any way connected with a malicious act, deliberate Injury or gross negligence caused by You or a member of Your Immediate Family or anyone living with You.
Any amount arising from, or in any way connected with an Illness that Your Pet contracted while outside Australia, or New Zealand that it would not normally have contracted in Australia or New Zealand.
Any amount resulting from a disease transmitted from animals to humans.
Any pandemic disease that causes widespread Illness, death or destruction affecting dogs and cats.
Any dog not vaccinated against distemper, hepatitis, kennel cough, leptospirosis (in areas where it is prevalent and Vets recommend vaccination) and parvovirus.
And any cat not vaccinated against feline infectious enteritis, feline leukaemia and cat flu. Any other disease that there is a known vaccine and Vets recommend vaccination.
Any amount arising from, or in any way connected with Your failure to take all reasonable precautions to protect Your Pet from aggravating or pro-longing an Injury or Illness.
Any amount if You or Your Pet lives permanently outside of Australia.
Any Journey You take Your Pet on against a vet’s advice. These are only examples of some common exclusions. For full details of all relevant Policy exclusions You must refer to the Certificate of Insurance and the general exclusions to all sections and also to the specific exclusions to each section under the heading “What We will not pay”.

Your Duty of Disclosure

Before You enter into a contract of Insurance with Us, You have a duty (under the Insurance Contracts Act 1984), to disclose to Us every matter You know, or could be reasonably expected to know, (including but not limited to matters relating to the health of Your Pet) that is relevant to Our decision to insure Your Pet, and if so, on what terms. A matter is relevant if You know it is relevant or a reasonable person under the circumstances would know it is relevant.

You have the same duty to disclose any relevant matters to Us before You renew, extend, vary or reinstate this Policy.

Your duty does not require disclosure of matter that

Reduces the risk undertaken by Us.
Is common knowledge.
We know, or in the ordinary course of Our business, should know.
We have indicated to You that We do not want to know.

Non Disclosure

If You fail to comply with Your Duty of Disclosure We may be entitled to reduce Our liability under this Policy in respect of a claim or may cancel Your Policy.

If Your non-disclosure is fraudulent, We may also have the option of avoiding the contract from its beginning.

If You are unsure as to whether You should disclose something, it is better to give this information rather than take the risk of failing in Your duty of disclosure.

Policy Limits

Limits do apply to some items covered by Your Policy. You should read Your Policy carefully so that You are aware of what limits may be applicable to You in the event of a loss.

Excess

If You make a claim under any section of this Policy You may be required to pay an Excess. Most Excesses are detailed on Your Certificate of Insurance but some additional excesses may apply to some additional benefits provided by this Policy. You should read Your Policy and Your Certificate of Insurance carefully so that You are aware of what Excesses may be applicable to You in the event of a loss.

Costs/Premium

This is an introductory cover and is provided free of charge. There are no costs associated with this product.

Policy Details

Definitions

Petplan® Is a Registered Trade Mark, and Products sold under this Trade Mark in Australia are sold exclusively by Petplan Australasia Pty Ltd under Licence to Petplan UK Limited.

We, Us, Our means Petplan acting on behalf of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708, of 2 Market St, Sydney NSW 2000, the Underwriter and Insurer of Your Policy.

You, Your means the person(s) named on the Confirmation of Cover Voucher as the new owner, whose details were given to Petplan by the Breeder of the Puppy or Kitten during the phone call or on the website application, to arrange insurance for Your Pet and the person(s) named on the Certificate of Insurance.

Accident means a sudden, unexpected, unusual, specific event, which occurs fortuitously at an identifiable time and place and is unforeseen or unintended.

Alternative Treatment The cost of any examination, consultation, advice, test and legally prescribed medication for the following procedures where they treat an Illness or Injury. This includes any Veterinary Treatment specifically needed to carry out the procedure.

Acupuncture and homeopathy carried out by, an herbal medicine prescribed by, a veterinary practice.
Chiropractic manipulation carried out by a veterinary practice, providing the member is a qualified animal chiropractor.
Hydrotherapy carried out by a veterinary practice providing the member is a qualified animal hydrotherapist.
Osteopathy carried out by a veterinary practice providing the member is a qualified animal osteopath.
Physiotherapy carried out by a veterinary practice, providing the member is a qualified animal physiotherapist.
Treatment of Behavioural Illness carried out by a Certified Clinical Animal Behaviourist.

Behavioural Illness means any change to Your Pet’s normal behaviour, resulting from a mental or emotional disorder diagnosed by a Vet.

Bilateral Condition means any Condition affecting body parts of which the Pet has at least two, including, but not limited to eyes, ears, patellas (knees), cruciate ligaments. When applying an exclusion, Bilateral Conditions are considered the one Condition.

Breeder means a person who practices the vocation of breeding selected specimens of the same breed, either as a hobby or for profit, and is the breeder of the Puppy or Kitten named on the Confirmation of Cover Voucher.

Certificate of Insurance means the current Certificate issued by Us to You containing details of the Cover provided under Your Policy, including any Exclusions and other specific Insurance details that We have applied to Your Cover.

Clinical Signs means changes in Your Puppy or Kitten’s normal healthy state, its bodily functions or behaviour.

Confirmation of Cover Voucher means documentation given to You by the Breeder showing a covernote number.

Condition means any Condition that causes discomfort, dysfunction, distress, including injuries, disabilities, disorders, syndromes, infections, isolated symptoms, deviant behaviour, and atypical variations of structure and function and/or death to the Pet afflicted.

Excess means the amount stated on Your Certificate of Insurance under the Animal Details section, which is the first part of each unrelated claim and the amount You must pay for each unrelated Injury or Illness.

Family means Your husband, wife, civil partner, life partner, parents, grandparents, brothers, sisters, sons, daughters, grandsons, and/or granddaughters including Family of step and defacto relationships.

Illness means any change to a normal healthy state, sickness, disease, defects and abnormalities including defects and abnormalities Your Puppy or Kitten was born with or were passed on by its parents.

Immediate Family means husband, wife, civil partner, life partner, defacto partner, parents, sons and daughters, including Family of step and/or defacto relationships.

Injury means a physical Injury resulting solely and directly from an Accident. Not an Injury that happens over a period of time or is of a gradual nature.

Maximum Benefits means the most We will pay for the relevant cover during the Period of Insurance as set out in the Certificate of Insurance under Animal Details section.

Market Value means the price generally paid for an animal of the same age, breed, pedigree, sex and breeding ability at the time You got Your Puppy or Kitten.

Our Vet means the Vet We employ to carry out Treatment to Your Pet or discuss Your Pet’s Treatment with Your Vet.

Policy means this document and the Certificate of Insurance and any other documents We issue to You which are expressed to form part of the Policy terms, which set out the cover We provide for the Period of Insurance.

Period of Insurance means the Period stated in Your Certificate of Insurance. It does not refer to any prior Period of Insurance if the Policy is a renewal of a previous Policy or any future Period of Insurance for any Policy You may enter into with Us upon renewal. Each Period is treated as separate. This normally is 6 weeks from the date shown on Your Confirmation of Cover Voucher or Cover Note.

Puppy or Kitten means the Puppy or Kitten (that is not less than 8 weeks of age and not over 36 weeks of age when first applying for cover) named on the Confirmation of Cover Voucher whose name, date of birth, breed and sex were given to Petplan by the Breeder when arranging the insurance.

Pre-Existing Condition means any Condition(s) or symptoms or signs of that Condition occurring or existing in any form prior to the Policy commencement date, or any Injury or Illness or symptoms or signs of that Injury or Illness occurring or existing in any form during the Waiting Period. When referring to Pre-Existing Conditions, and Conditions affecting a part of Your Pet’s body of which it has two, will be deemed to be a Bilateral Condition and both will be excluded from cover.

Treatment means Veterinary Treatment or Alternative Treatment.

Veterinary Fees means the amount Vets in general or referral practice reasonably and generally charge.

Vet means a registered veterinarian, specialist veterinarian, vet practice, clinic, hospital, centre including referral hospitals, licensed to practice in Australia, other than one who may be the Insured.

Veterinary Treatment means any examination, consultation, advice, tests, X-rays, legally prescribed medication, surgery and nursing required to treat and Illness or Injury that is provided by a Veterinary practice, or a Vet nurse or another member of the Vet practice, under the supervision of the Vet, which is not routine or elective treatment. This includes physiotherapy and Treatment of a Behavioural Illness provided it is carried out by a veterinary practice.

Waiting Period means a Period of 72 hours starting from the commencement date shown on Your Certificate of Insurance of the initial Period of Insurance during which an Illness or Condition first occurs or shows Clinical Signs will be excluded from Cover unless otherwise stated on Your Certificate of Insurance. The Waiting Period will not apply for any Policy that is a renewal of this Policy.

Your Pet means the Dog or Cat named on the Certificate of Insurance under Animal Details sometimes referred to as Your Puppy or Kitten.

General conditions

During the Period of Insurance You must take all reasonable steps to maintain Your Pet’s health and to prevent Injury, Illness and loss. You must arrange and pay for Your Pet to have a yearly dental examination and any Veterinary Treatment normally recommended by a Vet to prevent Illness or Injury.
You must arrange for Your Pet to be kept vaccinated against the following;
- Dogs: distemper, hepatitis, kennel cough, leptospirosis (in areas where it is prevalent and Vets recommend vaccination), and parvovirus and any other vaccination recommended to You by a Vet.
- Cats: feline infectious enteritis, feline leukaemia and cat flu and any other vaccination recommended to You by a Vet.
- If You do not keep Your Pet vaccinated, We will not pay any claims that result from any Illness it must be vaccinated against.
If, when You claim, there is any other Insurance under which You are entitled to an indemnity, to the extent permitted by law, We will only pay Our share of the claim. You must tell Us the name and address of the other Insurance company and Your Policy number with them.
If You have any legal rights against another person in relation to Your claim, We may take legal action against them in Your name at Our expense. You must give us all the help You can and provide any documents We ask for.
If You have provided false information or make a false or exaggerated claim, or any claim involving Your dishonesty, this Policy will end and We will not make any further payments.
If You submit a fraudulent claim, or solicit Your Vet to behave in a fraudulent manner or persuade them to falsify information regarding a claim, then the claim may be denied and We may cancel Your Policy. We may also be entitled to reclaim any payments already made to You in respect to such claims.
You can cancel this fee Policy at any time by writing to Us, providing no claims have been paid on the Policy.
involving Your dishonesty, this Policy will end and We will not make any further payments.
You agree that any Vet that holds any information about Your Pet has Your permission to release any such information We ask for about Your Pet. If the Vet makes a charge for this, You must pay the charge.
If We agree for a claim payment to be paid directly to Your Vet and You allow this, then if the Vet, who has treated Your Pet or is about to treat Your Pet, asks for information about Your Insurance that relates to a claim, We will tell the Vet what the Insurance covers, what We will not pay for, how the amount We pay is calculated and if the premiums are paid to date.
When We offer further periods of Insurance, We may change the premium and the terms and conditions, and add exclusions because of Your Pet’s history.
We will not guarantee on the phone if We cover a claim. You must send us a claim form that has been properly filled in. We will then write to You with Our decision.
When You claim You agree to give us any information We may reasonably ask for.
You must arrange for a Vet to examine and treat Your Pet as soon as possible after it shows Clinical Signs of an Injury or Illness. And if We decide, You must also take Your Pet to a Vet that We choose.
If the Veterinary Fees You are charged are higher than the Fees normally charged by a general or referral practice, We reserve the right to request a second opinion from a Vet that We choose as to whether the fees are reasonable. If the Vet We choose does not agree that the Veterinary Fees charged are reasonable We may decide to pay only the Veterinary Fees usually charged by a general or referral practice in a similar area.
If We consider the Veterinary Treatment or Alternative Treatment Your Pet receives may not be required, or may be excessive when compared with the Treatment normally recommended to treat the same Illness or Injury by general or referral practices, We reserve the right to request a second opinion from a Vet that We choose. If the Vet We choose does not agree with the Veterinary Treatment or Alternative Treatment provided is reasonably required We may decide to pay only the cost of the Veterinary Treatment or Alternative Treatment that was necessary to treat the Injury or Illness, as advised by the Vet from whom We have requested the second opinion.
We have the right to cancel Your Policy where permitted by the Insurance Contracts Act (1984).
Any rights and remedies You have under the Insurance Contracts Act 1984 are not affected by Your Policy.

Cover

We will provide You with cover as set out in the following sections if they are shown as covered on Your Certificate of Insurance of Your Policy. The cover applies in Australia.

The cover You have and the applicable Maximum Benefit and Excess will be shown on Your Certificate of Insurance. (see the table below for details).

6 week Puppy & Kitten Product, We pay up to the Maximum Benefit for		Excess
Vet’s Fees & Alternative Treatment	Up to $3,000	$150
Death from Illness	Price paid for your Pet up to $1,500	$150
Death from an Injury	Price paid for your Pet up to $1,500	$150
Advertising & Reward	Up to $400
Theft or Straying	Price paid for your Pet up to $1,500	$150

Section 1a - Vet’s Fees

What We will pay

The cost of any Veterinary Fees incurred by You during the Period of Insurance for Veterinary Treatment Your Pet has received for any covered Illness or Injury up to the Maximum Benefit.

What You pay

For each Illness or Injury that is treated during the Period of Insurance and is not related to any other Illness or Injury treated during the same Period of Insurance, You must pay the Excess as shown in the Excess table or on Your Certificate of Insurance in the Animal Details section, an amount of $150.

What We will not pay

More than the Maximum Benefit.
To the extent permitted by law, costs of any Treatment for:
- an Injury that happened or an Illness that first showed Clinical Signs before Your Pet’s cover started; or,
- an injury or illness that is the same as, or has the same diagnosis or clinical sign as an injury, illness or clinical sign Your Pet had before it’s cover started; or,
- an Injury or Illness that is caused by, relates to or results from an Injury, Illness or Clinical Signs Your Pet had before its cover started,
no matter where the Injury, Illness or Clinical Signs are noticed or happened in, or on Your Pet’s body.
To the extent permitted by law, costs of any Treatment for:
- an Illness that first showed Clinical Signs within 72 hours of Your Pet’s cover starting; or,
- an Illness which is the same as, or has the same diagnosis or Clinical Signs as an Illness that first showed Clinical Signs within 72 hours of Your Pet’s cover starting; or,
- an Injury or Illness that is caused by, relates to or results from a Clinical Signs that was first noticed, or an Illness that first showed Clinical Signs within 72 hours of Your Pet’s cover starting,
no matter where the Injury, Illness or Clinical Signs are noticed or happened in, or on Your Pet’s body.
The cost of any Treatment a Vet normally recommends to prevent Injury or Illness.
The cost of any Treatment, or complications arising from Treatment, that You choose to have carried out that is not directly related to an Injury or Illness, including cosmetic dentistry.
The cost of killing and controlling fleas, general health improvers and any Treatment in connection with pregnancy or giving birth.
The cost of pheromone products, including DAP diffusers and Feliway (Animal Behavioural/mood modification products).
The cost of any food, including food prescribed by a Vet, unless it is used to dissolve existing bladder stones and crystals in urine.
The cost of vaccinations, spaying and castration except the cost of treating any complications arising from these procedures.
The cost of treating any Injury or Illness deliberately caused by You or anyone living with You.
The costs of having Your Pet put to sleep, cremated, buried or otherwise disposed of.
The cost of house calls unless the Vet confirms that moving Your Pet would further damage its health, regardless of Your personal circumstances.
Extra costs for treating Your Pet outside usual surgery hours, unless the Vet confirms an emergency consultation is necessary.
The cost of hospitalisation and any associated Veterinary Treatment unless the Vet confirms it is essential that Your Pet is hospitalised.
Costs resulting from an Injury or Illness that are excluded under Your Policy or generally not covered within these Terms and Conditions.
The cost of surgical items that can be used more than once.
The cost of physiotherapy or Treatment of a Behavioural Illness unless this is carried out by a veterinary practice.
The cost of Treatment for a Behavioural Illness if Your Pet’s behaviour is caused by You failing to provide training.
The cost of any form of housing, including cages, whether hired or purchased.
The cost of hiring a swimming pool, hydrotherapy pool or any other pool or hydrotherapy equipment.
The cost of bathing Your Pet unless
- a Vet confirms veterinary expertise is needed and therefore only a Vet or a member of a Vet practice can carry out these activities, regardless of Your personal circumstances.
Any costs for treating an Illness or Injury after the last day of the Period of Insurance, unless a further Period of Insurance has been entered into by You and Us.
Cost of dental Treatment unless it results from an Injury or Illness.
The cost of a post mortem examination, voluntary euthanasia, attributable to an exclusion.
The cost of transplant surgery, including any pre and post operative care.
Any pandemic disease that causes widespread illness, death or destruction affecting dogs and cats.

How to claim

Before Your Pet is treated, You must make sure that the Vet is prepared to complete Our claim form and provide invoices, and where requested, complete medical history of Your Pet.

You must fill in a claim form and ask Your Vet to fill in their part. We will not pay for the Vet to do this. Send Us the claim form together with the original invoices setting out the costs involved.

Claim forms can be downloaded from Our website www.petplan.com.au or alternatively You can phone Our Customer Centre on 1300 738 225 and ask for a claim form. If a claim has not been has not been submitted within 12 months of Your Pet receiving Treatment, We may refuse to pay the claim, to the extent that We are prejudiced by the late notification of the claim.

When to claim

You should send Us Your claim at the end of any Treatment or the end of the Period of Insurance if the Treatment has not finished by this time. Please submit the claim form within 12 months of the Pet receiving Treatment.

Section 1B - Alternative Treatment

What We will pay

If instructed by the Vet, the cost of any Alternative Treatment Your Pet has received during the Period of Insurance that is deemed necessary by Your Vet for the Treatment of an Illness or Injury up to the Maximum Benefit.

What You pay

What We will not pay

More than the Maximum Benefit.
To the extent permitted by law, costs of any Treatment for:
- an Injury that happened or an Illness that first showed Clinical Signs before Your Pet’s cover started; or.
- an Injury or Illness that is the same as, or has the same diagnosis or Clinical Sign as an Injury, Illness or Clinical Sign Your Pet had before it’s cover started; or,
- an Injury or Illness that is caused by, relates to or results from an Injury, Illness or Clinical Signs Your Pet had before its cover started,
no matter where the Injury, Illness or Clinical Signs are noticed or happened in, or on Your Pet’s body.
To the extent permitted by law, costs of any Treatment for:
- an Illness that first showed Clinical Signs within 72 hours of Your Pet’s cover starting; or,
- an Illness which is the same as, or has the same diagnosis or Clinical Signs as an Illness that first showed Clinical Signs within 72 hours of Your Pet’s cover starting; or,
- an Injury or Illness that is caused by, relates to or results from a Clinical Signs that was first noticed, or an Illness that first showed Clinical Signs within 72 hours of Your Pet’s cover starting,
no matter where the Injury, Illness or Clinical Signs are noticed or happened in, or on Your Pet’s body.
The cost of any Treatment a Vet normally recommends to prevent Injury or Illness.
The cost of any Treatment, or complications arising from Treatment, that You choose to have carried out that is not directly related to an Injury or Illness, including cosmetic dentistry.
The cost of killing and controlling fleas, general health improvers and any Treatment in connection with pregnancy or giving birth.
The cost of pheromone products, including DAP diffusers and Feliway (Animal Behavioural/mood modification products).
The cost of any food, including food prescribed by a Vet, unless it is used to dissolve existing bladder stones and crystals in urine.
The cost of vaccinations, spaying and castration except the cost of treating any complications arising from these procedures.
The cost of treating any Injury or Illness deliberately caused by You or anyone living with You.
The costs of having Your Pet put to sleep, cremated, buried or otherwise disposed of.
The cost of house calls unless the Vet or Alternative Treatment therapist confirms that moving Your Pet would further damage its health, regardless of your personal circumstances.
Extra costs for treating Your Pet outside usual surgery hours, unless the Vet or Alternative Treatment therapist confirms an emergency consultation is necessary.
The cost of hospitalisation and any associated Veterinary Treatment unless the Vet or Alternative Treatment therapist confirms it is essential that Your Pet is hospitalised.
Costs resulting from an Injury or Illness that are excluded under Your Policy or generally not covered within these terms and conditions.
The cost of surgical items that can be used more than once.
The cost of physiotherapy or Treatment of a Behavioural Illness unless this is carried out by a Veterinary practice.
The cost of Treatment for a Behavioural Illness if Your Pet’s behaviour is caused by You failing to provide training.
The cost of any form of housing, including cages, whether hired or purchased.
The cost of hiring a swimming pool, hydrotherapy pool or any other pool or hydrotherapy equipment.
The cost of bathing Your Pet unless a Vet or Alternative Treatment therapist confirms veterinary expertise is needed and therefore only a Vet or a member of a Vet Practice or Alternative Treatment therapist can carry out these activities, regardless of Your personal circumstances.
Any costs for treating an Illness or Injury after the last day of the Period of Insurance, unless a further Period of Insurance has been agreed.
Cost of dental Treatment unless it results from an Injury or Illness.
The cost of a post mortem examination, voluntary euthanasia, attributable to an exclusion.
The cost of transplant surgery, including any pre and post operative care.
The cost of any Treatment while on a journey if a Vet or Alternative Treatment therapist believes it can be delayed until Your Pet returns Home.
The cost of any treatment if the journey was made to get Treatment outside of Australia.
Any pandemic disease that causes widespread illness, death or destruction affecting dogs and cats.

How to claim

Before Your Pet is treated, You must make sure that the Vet and Alternative Treatment therapist is prepared to complete Our claim form and provide invoices, and where requested, complete medical history of Your Pet.

You must fill in a claim form and ask Your Vet and Alternative Treatment therapist to fill in their part. We will not pay for the Vet or Alternative Treatment therapist to do this. Send Us the claim form together with the original invoices setting out the costs involved.

Claim forms can be downloaded from Our website www.petplan.com.au or alternatively You can phone Our Customer Centre on 1300 738 225 and ask for a claim form.

If a claim has not been has not been submitted within 12 months of Your Pet receiving Treatment, We may refuse to pay the claim, to the extent that We are prejudiced by the late notification of the claim.

When to claim

Section 2 - Advertising and rewards

What We will pay

If Your Pet is stolen or goes missing during the Period of Insurance, We will pay:

the cost of advertising; and
the reward You have offered and paid to get Your Pet back.

What We will not pay

More than the Maximum Benefit of $400.
More than 10% of the Maximum Benefit towards sundries to make Your own posters and advertising material.
Any reward that We have not agreed to before You advertised it.
Any reward not supported by a signed receipt giving the full name and address of the person who found Your Pet.
Any reward paid to any person living with You or employed by You.
Any reward paid to a person who was caring for Your Pet when it was stolen.

SPECIAL CONDITIONS THAT APPLY TO THIS SECTION WHEN Your Pet IS STOLEN OR GOES MISSING.

You must report the loss or theft of Your Pet within 24 hours of discovering it missing, to the Police and obtain a Police incident report. If Your Pet was lost or stolen whilst in transit, You must report it to the loss or theft to the operator and obtain a report.

How to claim

Please phone Us on 1300 738 225 for approval of any reward before You advertise it. We will then send You a claim form for advertising and rewards.

Fill in the claim form and send it to Us with invoices and receipts to show the costs involved, including a receipt for any reward You paid.

If the loss of theft happened whilst in transit please also send Us the booking invoice for the transit or any other official documentation to show the dates of the journey.

When to claim

You should send Us Your claim if Your Pet is not recovered or returned after 30 days of being lost or stolen. If a claim has not been has not been submitted within 12 months of Your Pet being stolen, or going missing We may refuse to pay the claim, to the extent that We are prejudiced by the late notification of the claim.

Section 3 - Theft or straying

What We will pay

The price You paid for Your Pet if it is stolen or goes missing during the Period of Insurance and is not recovered or does not return. If You did not pay for Your Pet or have no formal proof of how much You paid, We will pay the Market Value of Your Pet, but not exceeding the Maximum Benefit.

What You pay

For each claim under this section during the Period of Insurance, You must pay an Excess as shown in the Excess table or on Your Certificate of Insurance under Animal Details section, an amount of $150.

What You pay

For a claim on this section during the Policy Term, You must pay an amount of $150.

What We will not pay

More than the Maximum Benefit of $1,500.
Any amount if You or the person looking after Your Pet has freely parted with it, even if tricked into doing so, unless anyone was looking after or transporting Your Pet in return for money, goods or services.

SPECIAL CONDITIONS THAT APPLY TO THIS SECTION

If Your Pet is found or returns, You must repay the full amount We have paid You.

As soon as You discover Your Pet is missing, You must:

Tell the police and ask for the crime reference number or written confirmation of Your report; and
Tell all the Vets and local rescue centres within a reasonable distance of the area where Your Pet was last seen, within five (5) days of Your dog going missing; and
If Your Pet has not been found within 30 days, fill in a claim form and return it to Us as soon as possible.

How to claim

For a claim form for theft or straying, can be downloaded from Our website www.petplan.com.au or phone Our Customer Centre on 1300 738 225.

To claim for theft or straying You must have advertised the loss of Your Pet. Please send Us;

the Pets original Pedigree Certificate and purchase receipt from where You bought Your Pet, where applicable; and
Your claim form.

We will not pay for this information. Please note, if the claim is paid the Pets original Pedigree Certificate and purchase receipt will not be returned to You.

When to claim

Section 4 - Death from Injury

What We will pay

The price You paid for Your Pet if it either dies or has to be put to sleep by a Vet during the Period of Insurance as a result of an Injury caused by an Accident . If You did not pay for Your Pet or have no formal proof of how much You paid, We will pay the Market Value of Your Pet, but not exceeding the Maximum Benefit.

What You pay

What We will not pay

More than the Maximum Benefit of $1,500.
To the extent permitted by law, any amount if the death results from an Injury that happened prior to the Period of Insurance.
Any amount if the death results from an Injury or Illness specified as excluded on Your Certificate of Insurance or generally not covered within these terms and conditions.
Any amount if Your Pet is put to sleep by a Vet unless the Vet has put Your Pet to sleep as a result of an Injury that cannot be treated and believes it was not humane to keep Your Pet alive because it was suffering.

How to claim

For a claim form for accidental death, can be downloaded from Our website www.petplan.com.au or phone Our Customer Centre on 1300 738 225.

Please send Us:

A death certificate from Your Vet.
The Pets original Pedigree Certificate and receipt from when You bought Your Pet, where applicable, and
Your claim form.

We will not pay for this information.

When to claim

You should send Us Your claim as soon as possible after the death of Your Pet. If a claim has not been has not been submitted within 12 months of Your Pet’s death, We may refuse to pay the claim, to the extent that We are prejudiced by the late notification of the claim.

Section 5 - Death from Illness

What We will pay

The price You paid for Your Pet if it either dies or has to be put to sleep by a Vet during the Period of Insurance as a result of an Illness. If You did not pay for Your Pet or have no formal proof of how much You paid, We will pay the Market Value, but not exceeding the Maximum Benefit.

What You pay

What We will not pay

More than the Maximum Benefit of $1,500.
To the extent permitted by law, any amount if Your Pet’s death results from:
- an Illness that first showed Clinical Signs before Your Pet’s cover started; or,
- an Illness that is the same as, or has the same diagnosis or Clinical Signs as an Illness or Clinical Sign Your Pet had before cover started; or,
- an Injury or Illness that is caused by, relates to or results from an Illness or Clinical Signs Your Pet had before it’s cover started,
no matter where the Injury, Illness or Clinical Signs are noticed or happen in or on Your Pet’s body.
To the extent permitted by law, any amount if Your Pets death results from;
- an Illness first showed Clinical Signs within 72 hours of Your Pet’s cover starting; or,
- an Illness that is the same as, or has the same diagnosis or Clinical Signs as an Illness or Clinical Signs Your Pet has before it’s cover started or within 72 hours of Your Pet’s cover starting; or,
- an Illness that is caused by, arises from or is in any way connected with or results from an Illness or Clinical Sign that was first noticed, or an Illness that first showed Clinical Signs within 72 hours of Your Pet’s cover starting,
no matter where the Injury, Illness or Clinical Signs are noticed or happen in or on Your Pet’s body.
Any amount if the death results from pregnancy or giving birth.
Any amount if the death results from an Injury or Illness specified as excluded on Your Certificate of Insurance or generally not covered within these terms and conditions.
The purchase price or Market Value of Your Pet if a Vet puts Your Pet to sleep unless it is because of an incurable Illness and the Vet believes it was not humane to keep Your Pet alive because it was suffering.

How to claim

For a claim form for death from Illness, download a claim form from Our website www.petplan.com. au or phone Our Customer Centre on 1300 738 225. Please send Us:

A death certificate from Your Vet;
The original Pedigree Certificate and receipt from when You bought Your Pet, where applicable; and
Your completed claim form.

We will not pay for this information.

When to claim

You should send Us Your claim as soon as possible after the death of Your Pet. If a claim has not been has not been submitted within 12 months of Your Pet’s death We may refuse to pay the claim, to the extent that We are prejudiced by the late notification of the claim.

General Exclusions

All Sections in this Policy Do Not Cover the Following

A Condition specifically excluded on Your Certificate of Insurance or Policy.
Any animal less than 8 weeks old or more than 36 weeks at the commencement of cover.
Dogs being used for guarding, track racing or coursing.
Any breed of dog that is banned by any Australian Government, Public or Local Authority, or that is crossed with any banned breed or any Pit Bull Terrier or Dingo or crosses of these breeds.
Any dog declared as a dangerous dog by a Government authority.
Any dog that must be registered under the Dangerous Dog Act.
Any amount if Your Pet is confiscated or destroyed by any Government or Public or Local Authority or any person or body having the jurisdiction to do so.
Any costs caused because any Government or Public or Local Authority or any person or Body having the jurisdiction to do so, has put restrictions on Your Pet.
Any amount if You break Australian animal health or importation laws or regulations.
Legal expenses, fines and penalties connected with or resulting from a breach of criminal law, or an Act of Parliament.
Any loss caused by, arising from, or in any way connected with an act of force or violence for political, religious or ideological reasons war, acts of terrorism, riot, revolution or any similar event, including any chemical or biological terrorism.
The cost of treating any Injury or Illness caused by, arising from, or in any way connected with a malicious act, deliberate Injury or gross negligence caused by You or a member of Your Immediate Family or anyone living with You.
Any amount arising from, or in any way connected with an Illness that Your Pet contracted while outside Australia, or New Zealand that it would not normally have contracted in Australia or New Zealand.
Any amount resulting from a disease transmitted from animals to humans.
Any pandemic disease that causes widespread Illness, death or destruction affecting dogs and cats.
Any dog not vaccinated against distemper, hepatitis, kennel cough, leptospirosis (in areas where it is prevalent and Vets recommend vaccination) and parvovirus.
And any cat not vaccinated against feline infectious enteritis, feline leukaemia and cat flu. Any other disease that there is a known vaccine and Vets recommend vaccination.
Any amount arising from, or in any way connected with Your failure to take all reasonable precautions to protect Your Pet from aggravating or pro-longing an Injury or Illness.
Any amount if You or Your Pet lives permanently outside of Australia.
Any Journey You take Your Pet on against a vet’s advice.

Claims procedure

Unless You are claiming for Vet’s Fees, You must let us know of any circumstances, which are likely to lead to a claim. Please write to: Pet Plan, 1-3 Smolic Crt, Tullamarine Vic, 3043.
Alternatively, You may phone Our Customer Centre on 1300 738 225

You must then follow the procedures set out in the section under which You are claiming.

Please make sure Your claim form is fully completed by You and Your Vet as any incomplete claim forms will be returned to You.