CoverMy Pet High is the Australian tier with the largest advertised annual vet-bill cap: A$8,000, compared with A$4,000 for Regular and A$2,000 for Light. That cap is not the same as an A$8,000 payout: an excess, a 15% policyholder contribution, treatment sublimits, eligibility rules and exclusions all affect what the insurer pays. Whether High is worthwhile depends on your pet’s quote and the current policy wording.
What is CoverMy Pet High?
CoverMy Pet High is an accident-and-illness insurance tier for cats and dogs in Australia. CoverMy’s official site identifies Sovereign Insurance Australia as the insurer, Petplan Australasia as arranger and administrator, and Futuristic Insurance Technology as its authorised representative and distributor. CoverMy Pet publishes the product information; use the current policy documents to confirm the contract terms.
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The headline distinction is the annual vet-bill limit. The limit is a ceiling, not a promise to reimburse every eligible bill in full: the excess and co-payment apply, and some treatments have their own sublimits.
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How High compares with Light and Regular
| Plan | Advertised annual vet-bill cap | What to bear in mind |
|---|---|---|
| Light | A$2,000 | Lower annual cap; check the same excess, contribution and treatment rules in the current policy documents. |
| Regular | A$4,000 | Middle annual cap; treatment eligibility and any sublimits still apply. |
| High | A$8,000 | Largest annual cap among these tiers; it does not remove the excess, co-payment, exclusions or treatment sublimits. |
These are the plans’ stated annual caps, not a ranking of overall value. The right comparison is the cap alongside the pet-specific premium and the treatment categories and limits that matter to you. Finder’s comparison dated 24 June 2026 lists a A$3,000 yearly paralysis-tick sublimit for High. That is a treatment-specific ceiling, so a higher general annual cap does not necessarily raise the amount payable for that condition. Finder’s CoverMy Pet comparison gives High an 8.8 plan score; that is Finder’s own rating, not a regulator assessment or a measure of customer satisfaction.
#1 Best Overall
- ENSURE PET SAFETY ON THE GO with our dog travel accessories, dog must haves in pet travel. Our comprehensive pet first aid kit for dogs is your companion for worry-free journeys.
- VET ENDORSED: Our Dog & Cat first aid kit, vet-reviewed for precision, is expertly crafted in a medical facility, providing superior quality emergency dog essentials for peace of mind.
- PET EMERGENCY ESSENTIALS: In addition to comprehensive pet first aid supplies, we include dog muzzle, tick kit, emergency flashlight, and a handy mini first aid kit pouch.
- Pet Care Guide: A comprehensive first aid manual with essential instructions for treating everything from snake bites to minor injuries, making it dog must haves for your pet’s hiking and camping gear
- GEAR UP FOR OUTDOOR FUN! This first aid kit is your first line of defense during activities like hiking, jogging, or camping, designed for dog camping gear and hunting dog adventures.
What you pay when you make a claim
CoverMy Pet’s FAQ describes a A$100 excess per claim and a 15% policyholder contribution after the excess. Finder describes High as reimbursing 85% of eligible costs, consistent with that 15% contribution. In broad terms, you pay the excess and your share of eligible costs; CoverMy pays the remaining eligible share, subject to the policy’s limits and exclusions. The calculation can also be affected by a treatment sublimit, so do not treat 85% as applying without qualification to every invoice or as a guarantee of payment.
For example, even if a bill falls below the annual cap, an excluded service is not made eligible by the cap, and a treatment-specific limit can restrict the benefit. Check how the current wording applies the excess and contribution to the particular claim type rather than estimating from the annual cap alone. CoverMy Pet’s FAQ and policy information are the place to verify current terms.
Rank #2
- 1. BE PREPARED FOR ANY PET EMERGENCY – Vet-approved dog & cat first aid kit with pet-safe medical supplies, perfect for home, car, and outdoor adventures. Designed for fast, effective emergency care.
- 2. MORE THAN JUST BANDAGES – Includes vet-wrap, tick remover, first aid pads, saline wash, styptic pencil, slip leash & thermal blanket—real pet essentials, not just human first aid items.
- 3. BUILT FOR TRAVEL & ADVENTURE – Water resistant, hard-sided case protects supplies in your car, backpack, or RV. Ideal for hiking, road trips, camping, and disaster preparedness.
- 4. STEP-BY-STEP PET FIRST AID GUIDE – Easy-to-follow vet-reviewed manual for treating wounds, bites, bleeding, and emergencies—so you’ll always know what to do.
- 5. PET-SAFE & NON-TOXIC MATERIALS – Every item is vet-reviewed and made with pet-safe, non-toxic materials. Trusted by pet sitters, trainers, groomers, and adventurers—your pet deserves the best care!
What treatments and conditions may be covered?
CoverMy Pet’s FAQ says plan-dependent cover can include cancer treatment, cruciate ligament issues, veterinary consultations, skin conditions and tick paralysis. “Can include” matters: eligibility, definitions, waiting periods and any condition-specific limit depend on the current policy documents. Finder identifies the A$3,000 yearly paralysis-tick sublimit for High in its 24 June 2026 comparison.
The policy-documents page provides the Product Disclosure Statement (PDS), policy wording and target market determination (TMD). Review those documents for the intended audience, definitions and conditions before relying on a particular treatment being covered. CoverMy Pet policy documents.
Rank #3
- 1. BE READY ANYWHERE, ANYTIME – Lightweight, compact cat & dog first aid kit for hiking, camping, or travel. Designed for fast, effective emergency care when space and weight matter most.
- 2. PACKED WITH REAL PET ESSENTIALS – Includes vet-wrap, tick remover, cleansing wipes, saline wash, thermal blanket & more—no fluff, just field-tested dog emergency tools.
- 3. BUILT FOR BACKPACKING & ADVENTURE – Soft case fits in backpacks, glove compartments, or car consoles. Ideal for travel, hunting, road trips, camping, and everyday dog hiking gear.
- 4. STEP-BY-STEP PET FIRST AID GUIDE INCLUDED – Easy-to-follow, vet-reviewed manual covers injuries, bleeding, ticks, and emergencies—giving you the confidence to act quickly when it counts.
- 5. VET-APPROVED & PET-SAFE MATERIALS – All supplies are reviewed by veterinary professionals and made with non-toxic, pet-safe materials. Trusted by hikers, adventurers, and pet lovers.
What CoverMy Pet does not cover
CoverMy Pet’s FAQ says routine check-ups, dental care, behavioural therapy and alternative treatments are not included. Finder also identifies pre-existing conditions, dental illness, breeding costs and elective procedures among exclusions. These are summaries, not a complete statement of the contract; exclusions and definitions in the current PDS and policy wording control.
- If you mainly want help with routine preventive care or dental expenses, the stated exclusions are a significant mismatch.
- If your pet has a prior diagnosis or treatment history, check the wording’s pre-existing-condition definition rather than assuming the condition will be covered.
- For an accident or illness you expect to insure, verify any applicable waiting period, sublimit and eligibility definition in the policy documents.
How much does CoverMy Pet High cost?
CoverMy Pet’s homepage displayed an example High premium of A$14.32 per fortnight for a domestic shorthair cat; the site said the displayed prices were accurate as of November 2025. CoverMy states that premiums vary according to the pet and chosen cover. This is a dated example, not a current quote for your animal. Get a quote for your own pet and compare the recurring premium with the annual cap, excess, co-payment and relevant sublimits.
Rank #4
- Comprehensive Emergency Protection: RHINO RESCUE pet first aid kit provides comprehensive emergency preparation for your pet, containing gauze, self adhesive bandage, pet emergency tourniquet, ice pack, emergency blanket and other key first aid supplies to ensure effective initial treatment for your pet in emergency situations
- Supports Daily Care Needs: Equipped with a thermometer, toothbrush, feeding kit, poop bags with dispenser, muzzle, pill bag, water bowl, and disposable foot booties, this emergency bag can assist with daily pet care and feeding medications, helping you meet your pet's health needs
- First Aid Guide: The first aid manual is included to offer guidance for handling common pet emergencies, including heat stroke, trauma and bites. This manual provides helpful tips and steps to support you in staying calm and effectively responding to urgent situations
- Durable Materials Kit: The pet medical kit is made of abrasion-resistant fabric and two-way zippers design, which ensures that the gears remain dry and tidy in outdoor conditions. The interior features transparent dividers, making it easy to quickly access items in emergencies
- Compact & Portable: The entire pet kit measures 8.5 inches x 6.5 inches x 4.3 inches and weighs only 1.7 pounds. This hiking medical kit is designed to be portable, easy to go out, travel or camp, and convenient to provide your pet with basic first aid support wherever you go
How to make a claim
CoverMy Pet says claims can be submitted by email or post. Its stated requirements are a completed claim form, an itemised veterinary invoice and treatment or consultation notes. For a first claim—or if more than 12 months have passed since the previous claim—it also requests the pet’s full clinical history. The company says postal claims may take longer.
The Tool Desk
Outbyte Driver Updater FREEFix the driver behind crashes, sound loss and screen glitchesFind Drivers →Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →- Obtain the claim form and submission details from CoverMy Pet’s current claims information.
- Gather the completed form, itemised invoice and treatment or consultation notes. Include the full clinical history if it is your first claim or the previous claim was more than 12 months ago.
- Send the material by the available email or post route and retain copies for your records.
- If the claim is approved, payment can go to your bank account or directly to your vet if arranged in advance.
Finder also describes online claim submission and direct-to-vet payment where eligible. Check the current instructions and arrange direct payment with the insurer before relying on it. The available information does not establish representative claim approval rates, average settlement times or customer satisfaction; neither quick payment nor a particular claim outcome can be assumed.
Best Value
- Includes one 0.5 oz tub of Miracle Care Kwik Stop Styptic Powder; the Original styptic powder with Benzocaine for Pain Relief
- Your Pet Grooming Essential: Our styptic powder stops bleeding fast for dogs, cats, and birds; Specifically designed to act rapidly during grooming procedures to ensure a safe and enjoyable experience for your pets
- How to Use: Apply powder to a moistened cotton applicator to apply to the cut, nail, or other superficial bleeding area, applying moderate pressure for 5-10 seconds; Avoid use on deep wounds or body cavities
- From Nose to Toes We've Got Your Pet Covered: Our goal is to improve the human-animal bond by offering a complete line of innovative, solutions-driven products and accessories for animals, both small and large
- Trusted by Professionals: Miracle Care health and grooming products have been trusted and recommended by veterinarians and professional groomers for more than 40 years; Proudly Made in the USA in our Dayton, OH facility
Cancellation and cooling-off
CoverMy Pet’s FAQ describes a 21-day cooling-off period with a refund if no claim has been made. It says cancellation after that period may involve a pro-rata premium deduction and reasonable administration fees. Confirm the current cancellation terms in the policy documents before purchase or cancellation.
Is CoverMy Pet High worth considering?
High is most relevant if you want a larger annual accident-and-illness cap than Light or Regular offer, and the quote fits your budget after accounting for the excess and 15% contribution. Its A$8,000 cap may be useful for eligible costs, but it does not erase treatment sublimits or exclusions. If routine check-ups or dental care are the main expenses you want help with, the stated exclusions make this tier a poor fit for that purpose.
- Compare the actual quote: the published cat premium is only a dated example, not your price.
- Check relevant treatment limits: in particular, review sublimits and definitions for conditions you are concerned about.
- Read the exclusions and waiting periods: confirm them in the current PDS and policy wording.
- Assess affordability at claim time: include the A$100 excess and your share of eligible costs in your decision.
Make the decision from your pet’s quote and the current contract documents, not from the A$8,000 headline alone.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
