Aussie Hazard Cover Aussie Hazard Cover
Our breakthrough new Pet Cover is a unique member only benefit - it's so good, you can't buy it!
Included with your membership when you spend $50 a month.
It’s also included with our Gold Membership program for only $9.95 a month on our introductory offer.
Protect Your Pet
Cover your pet against motor vehicle accidents, tick paralysis and snake bite
Claim 100% of Your Vet bills
You can claim 100% of your eligible vet bills after you pay a $200 excess for each insured event (up to a maximum of 3 times) each policy period.
Covers 5 Pets
Our unique cover covers up to 5 household pets, whether they’re cats or dogs or both.
Get $10,000 coverage free
When you spend $50 per month with us or join our Gold membership program for a flat fee of $9.95 per month.
Why Aussie Hazard Cover?
Because it covers you and your pet against the most common hazardous events your pet could face in Australia.
Cats may be a little luckier because dogs are twice as likely to die from a venomous snake bite. But whether you’re a dog parent or a cat parent, do you really want to risk it? And don’t forget the cars. And the ticks. And the vet bills. They’re expensive.
What other pet parents are asking
Do I need Aussie Hazard Cover for my pet?
As a loving pet parent, we know you want the best for your pet. Unfortunately, sometimes our pets find themselves in sticky or dangerous situations that require urgent vet care. Veterinary bills for these types of treatments can be expensive, and sometimes hard to budget for! Aussie Hazard Cover cover provides you with peace of mind knowing that you can be reimbursed for your vet bills for the following situations:
- Motor vehicle accidents
- Snake bites
- Paralysis tick bites
How do I make a claim?
Claiming is easy. Once your pet has received veterinary care, simply log into your PetCulture account, fill in the online claim form and provide us with a copy of your itemised invoice and payment receipt. We’ll take care of the rest. Claims are typically processed within 48 hours of receiving all information. If we need more information to process your claim, we’ll be in touch.
When will my Aussie Hazard Cover expire?
Your Cover will remain in place for as long as you maintain your Silver/Gold membership. You are eligible for up to 12 months of cover from your Issue Date.
For full details and condition view the Aussie Hazard Cover Product Disclosure Statement.
Will I be out of pocket?
Aussie Hazard Cover:
Aussie Hazard Cover cover provides you with a 100% reimbursement of your eligible veterinary bills, after your excess has been paid. The excess is $200, and you will need to pay this for each ‘event’ you claim for, each year. You may also be out of pocket if your claim includes items that are excluded from cover or you have reached your benefit limit or insured event limit.
For example, Aussie Hazard Cover does not provide any benefits towards alternative therapies. If your pet suffers from a being in a motor vehicle incident, and requires surgery, your pet’s vet fees, hospitalisation, surgery, and medications are coverable treatments. If your vet also charges you, for say, acupuncture, these acupuncture treatments will not be covered under your Aussie Hazard Cover, and you will need to cover the cost of this treatment yourself.
What am I not covered for?
Aussie Hazard Cover:
Like most policies, we have some exclusions. Aussie Hazard Cover only provides coverage for the following events:
- Motor vehicle accidents
- Snake bites
- Paralysis tick bites
If your pet suffers from an injury or illness that is not one of the stated events (like a skin rash or an ear infection), you will not be covered. Aussie Hazard Cover also has a list of excluded items, such as pre-existing conditions, preventative care treatments, pet accessories (like toys, treats, bedding) and food. You can find a full list of these exclusions in the Product Disclosure Statement below.
How quickly are claims processed?
Claims are typically processed within 48 hours of receiving all relevant information. If we require more information to process your claim, we’ll be in touch.
Can I visit any vet I like?
Yes. You can visit any licensed vet, other than yourself, in Australia for treatment.
What age can I start my pet on Aussie Hazard Cover?
Aussie Hazard Cover can cover your cat or dog from 8 weeks of age. There is no upper age limit, or cut off for the cover.
How is Aussie Hazard Cover different?
Aussie Hazard Cover allows you to protect up to five of your pets (cats and dogs) under the one policy, rather than paying for an additional policy per pet. We keep our coverage clear and simple. Aussie Hazard Cover allows you to claim back up to 100% of your vet bills for the stated coverable events after your $200 excess has been paid. You can visit any licensed vet in Australia, claim easily online and enjoy your claims being processed with 48 hours.
How does the excess work?
Aussie Hazard Cover cover provides you with a 100% reimbursement of your veterinary bills, after your excess has been paid. The excess is $200, and you’ll need to pay this for each ‘event’ you claim for, each year. For example:
Event: Broken bone due to a motor vehicle accident
Vet Costs: $4,000
Reimbursement received: $3,800.
If you have any other follow-up claims for this same event (broken bone) in the same policy period, the excess will not apply to those claims.
Event: Tick paralysis
Vet Costs: $1,800
Reimbursement received: $1,600.
As this was a different event that arose in the same policy period, the $200 excess applies.
Are there any claim limits?
Yes, there are limits on the policy.
- Annual benefit Limit: Aussie Hazard Cover provides you with up to $10,000 or coverage per year. This is the most we will pay you in benefits in any one policy period. This limit resets each year at renewal.
- Maximum number of conditions claimable per policy period: You can claim up to three different events in any one policy period. These events could be across multiple pets, or all for one pet. Once you claim for three separate events in any one policy period, no further benefits will be paid for any future events that occur in the same policy period. This limit resets each year at renewal.
What is the waiting period?
There is a 48-hour waiting period from your policy start date. Any events that arise, or conditions that first display clinical signs within these 48 hours waiting period will be excluded from cover.
What is a pre-existing condition?
A Pre-existing Condition is a Condition that existed or occurred prior to the Issue Date of the first Policy Period or within any applicable Waiting Period, of which you or your Vet was aware, or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative Condition had been diagnosed.
Terms & Conditions
Pet Culture Group Pet Insurance – Aussie Hazard Cover (‘the group insurance policy’) is issued by The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473; AFSL 241436) (‘the Insurer’) and administered by PetSure (Australia) Pty Ltd (ABN 95 075 949 923; AFSL 420183) (PetSure). Pet Culture Group Pty Ltd (‘Pet Culture’) (ABN 69 644 613 098, AR 001284860) is the policyholder of the group insurance policy under which insurance cover is issued in connection with Pet Culture Silver membership and Pet Culture Gold membership plans. In addition, Pet Culture as an authorised representative of PetSure, is authorised to provide financial product advice in respect of the group insurance policy, and to arrange for information to be collected from eligible members but not issue cover in respect of the group insurance policy, and provide claims management by receiving and lodging claim forms with the Insurer. In doing so, Pet Culture acts on behalf of PetSure and the Insurer and not on your behalf. Any advice provided is general only, and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) at www.petculture.com.au/aussie-hazzard-cover-pds to decide if the product is right for you.