Things you should know
At Potiki (together with petinsurance.com.au), we believe in making pet insurance simple, honest, and transparent. That means giving you a clear picture of what’s covered—and what’s not—before you sign up. While our plans are designed to cover a wide range of health needs for your pet, there are certain exclusions to be aware of.
Knowing these upfront helps you make the right decision for your furry friend and ensures there are no surprises at claim time.
Exclusions
Here are some common exclusions across our pet insurance policies:
Pre-existing Conditions
Any illness, injury, or symptom your pet showed signs of before the start of the policy (or during any applicable waiting period) is generally not covered.
Routine & Preventative Care
Items such as vaccinations, desexing, microchipping, grooming, nail clipping, and parasite control are not covered unless included as part of an optional routine care benefit.
Pregnancy & Breeding
Costs related to breeding, pregnancy, or giving birth are excluded.
Cosmetic & Elective Procedures
Treatments such as tail docking, declawing, or cosmetic dentistry are not covered.
Behavioral Treatments
Unless recommended and carried out by a registered vet, and depending on the cover selected, behavioural therapies are not included.
Food & Supplements
Prescription diets, pet food, vitamins, and dietary supplements are not reimbursed.
Waiting Periods
Some conditions require a short waiting period before you can claim:
- Specified accidental injuries: no waiting period
- Illnesses: Covered after 14 days
- Cruciate Ligament Conditions: Require 6 months, but you can apply for an early assessment
These periods ensure fair cover and help prevent claims for pre-existing issues.
Benefit Limits & Sub-limits
Please refer to your Product Disclosure Statement (PDS) for the full list of limits applicable to your selected plan.
| SILVER | GOLD | PLATINUM | |
|---|---|---|---|
|
Consultation sub-limit 6 (Home visits included) |
$500 |
$500 |
Up to annual benefit limit |
|
Paralysis Tick Sub-limit |
$2,000 |
$3,000 |
Up to annual benefit limit |
|
Cruciate Ligament Conditions Sub-limit |
$3,000 per leg |
$4,000 per leg |
Up to annual benefit limit |
|
Hip joint Surgery Sub-limit (Total hip replacements are included) |
$6,000 per hip |
$6,000 per hip |
Up to annual benefit limit |
|
Emergency Boarding Limit |
$1,000 |
$1,000 |
$1,500 |
Download Policy Documents
Need the details? You can view or download the latest PDS and Target Market Determinations (TMDs) here:
Have Questions?
We’re here to help you choose the right cover with confidence. Reach out to our customer service team or get a personalised quote in just minutes.