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Scan for outdated or missing drivers - takes under a minuteDriver Scan →Repair Windows errors before they cause bigger problemsFix Now →CoverMy Pet Regular is an Australian pet-insurance tier with a stated annual vet-fee limit of AUD $4,000. That is a ceiling, not a promise that every eligible bill will be reimbursed in full: CoverMy also states a $100 excess per claim and a 15% owner contribution, while category sublimits, exclusions and policy conditions can further affect a payout. The tier is best assessed by checking those terms against your pet’s likely needs and a current quote.
What does CoverMy Pet Regular cover?
CoverMy positions Regular between its Light and High tiers. Its FAQ describes the policy as protection for unexpected veterinary care and lists an annual vet-fee limit of AUD $4,000 for Regular. The overall limit does not tell you how much the insurer will pay for every condition: CoverMy says separate limits apply to some treatment categories, including cruciate ligament injuries, cancer and tick paralysis.
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Before buying, check the current policy wording for each relevant sublimit and how it interacts with the annual cap. The public FAQ does not establish the exact Regular sublimits, so do not infer them from another tier or from the $4,000 headline figure. CoverMy’s Australian site links to its current policy documents; review the Product Disclosure Statement (PDS), Financial Services Guide (FSG), Target Market Determination (TMD) and your certificate of insurance.
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How much would you pay toward a claim?
CoverMy’s FAQ states a $100 excess per claim, followed by a 15% owner contribution to the vet bill, subject to policy terms and applicable limits. In practical terms, you should not budget on receiving the full amount of an eligible invoice: the excess and your share reduce the benefit, and a category sublimit or annual cap may constrain it further.
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Use the policy wording to confirm how the excess is applied, what counts as a claim, and how the 15% share is calculated. The FAQ’s summary is useful for comparison, but it does not replace the full definitions and claim conditions.
What waiting periods apply?
CoverMy’s current Australian FAQ lists different waiting periods by event or condition:
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| Event or condition | Stated waiting period |
|---|---|
| Accidents or injuries | No waiting period; CoverMy says cover starts at once |
| Illness | 28 days |
| Cruciate ligament conditions | 180 days |
| Brachycephalic obstructive airway syndrome (BOAS) | 365 days |
These are the periods reported in the FAQ, not a substitute for the policy’s precise definitions, commencement rules or exclusions. CoverMy says hereditary or congenital conditions may be covered only if they were not present or symptomatic before cover began or during the waiting period. Whether a particular diagnosis meets that condition depends on the policy definitions and your pet’s history.
What does it exclude?
CoverMy’s FAQ gives routine check-ups, dental care, behavioural therapy and alternative treatments as examples of care that is not included. The plan is therefore aimed at unexpected veterinary costs rather than everyday or preventive expenses. These examples are not the complete exclusions list; consult the current policy wording for all exclusions, eligibility rules and conditions.
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How do vet access and claims work?
CoverMy says policyholders can use any licensed and registered Australian vet. Its claims guidance asks customers to check their certificate and policy documents, complete a claim form, and supply an itemised invoice plus treatment or consultation notes. It may also require full clinical history for a first claim or after a long gap between claims.
If a claim is approved, CoverMy says payment can go to the bank account used for premiums, another nominated account, or directly to the vet when arranged in advance. Direct payment to a vet should not be treated as the default; confirm the arrangement before relying on it.
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How does Regular compare with the other tiers?
The available figures establish Regular’s own headline cap and only one verified figure for High. CHOICE’s listing is for CoverMy Pet High, not Regular, so it cannot establish Regular’s limits, conditions or quality.
| Tier or source | What is established | What it does not establish |
|---|---|---|
| CoverMy Pet Regular | CoverMy states an AUD $4,000 annual vet-fee limit. | Exact Regular sublimits for categories such as cruciate ligament injuries, cancer and tick paralysis are not stated in the FAQ. |
| CoverMy Pet High | CHOICE lists High with an $8,000 annual maximum and a $100 excess. | High-tier terms cannot be applied to Regular; this listing is not an independent review of Regular. |
For a fair comparison, line up the annual maximum, condition sublimits, excess, owner contribution, waiting periods, pre-existing-condition rules, routine-care exclusions, claims process and eligible-pet rules. Compare premiums only using the same pet details and cover settings.
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Can you judge the price or value?
Not from a general example. CoverMy says premiums vary by pet and cover, and its example prices are marked accurate as of November 2025. That date is not a current quote for your pet. Request a quote using the same age, breed, location and cover choices you would use when checking alternatives, then compare the quoted premium with the limits and exclusions that matter to you.
The available evidence does not establish a current defined-profile premium, an independent Regular-specific review, a claims payout rate or a customer-satisfaction statistic. CHOICE’s High-tier listing is not evidence of Regular’s value. CoverMy identifies Sovereign Insurance Australia as issuer, Petplan Australasia as arranger and administrator, and Futuristic Insurance Technology as an authorized representative promoting and distributing the product. Its site says its information is general; suitability depends on the policy wording, your pet and your circumstances.
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.
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