What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
iTechGuides is reader-supported. When you buy through links on our site, we may earn an affiliate commission. As an Amazon Associate I earn from qualifying purchases. Learn more
CBA Classic Cover combines broad illness cover with protection for a defined list of injuries—not accidents in general. CHOICE’s public review lists a $15,000 annual benefit, reimbursement of 70% or 80% of the vet bill, and a choice of $0 or $200 excess. Those figures and the other terms below are specifications reported by CHOICE; check the current Product Disclosure Statement (PDS), quote and eligibility for your pet before deciding.
What CBA Classic Cover covers
CHOICE identifies CBA as the insurer and PetSure (Australia) Pty Ltd as underwriter. It describes the product as limited injury cover plus comprehensive illness cover for cats and dogs. New cover is listed as available for pets aged 8 weeks to 8 years. These are details on CHOICE’s public review page, which does not state the year for the specifications and is not the insurance contract. CHOICE’s CBA Classic Cover review is useful for an overview, but the current PDS governs the actual terms.
Specified injuries, not every accident
The injury benefit applies to specified events listed by CHOICE, including motor vehicle incidents, burns, electrocution, reactions to insect, spider or scorpion bites, bone fractures, traumatic tooth fractures, snake-bite toxicity, foreign-object ingestion, poisoning, traumatic ligament or tendon injuries, bite or fight wound abscesses, traumatic lacerations or abrasions, and cruciate ligament conditions. An injury outside the policy’s defined events should not be assumed to qualify simply because it resulted from an accident; check the PDS definitions and exclusions.
Free tools Windows power users keep installed
One-click scans. No signup required.
CHOICE lists no waiting period for specified injuries. Illness cover has a 30-day waiting period. Cruciate conditions and optional dental cover have their own six-month waiting periods, described below.
#1 Best Overall
Illness and other listed conditions
CHOICE lists cancer, heart, ear, eye, skin, hereditary, intervertebral disc and patella luxation conditions among those covered, subject to policy wording and limits. Parasite-caused illness is listed as covered, with tick paralysis capped at $4,000. Pregnancy and obstetrics are listed as not covered. A condition appearing in a review’s coverage list does not establish that every treatment, circumstance or claim is payable; the PDS terms still apply.
Limits, reimbursement and excess
CHOICE lists the following headline settings. The review does not state the publication year for these specifications, so verify them against the current quote and PDS.
| Item | CHOICE-listed term |
|---|---|
| Maximum annual benefit | $15,000 per year |
| Benefit level | Choice of 70% or 80% of the vet bill |
| Excess | Choice of $0 or $200 |
| Vet consultations | Up to $400 |
| Cruciate ligament conditions | Up to $4,000 per leg, with a six-month waiting period |
| Hip joint surgery or replacement | Up to $4,000 per hip |
The percentage, annual ceiling, excess and treatment sublimits work together: a claim may be affected by more than one of these terms. For example, a listed per-leg or per-hip cap remains a limit even where the selected benefit level is 80%. Check the PDS for how excesses, eligible expenses and sublimits are applied to an individual claim.
Cruciate, hip and pre-existing-condition rules
Cruciate conditions
The review lists partial or complete rupture, meniscal tears, looseness and complications following surgery among the cruciate conditions, with cover up to $4,000 per leg and a six-month waiting period. Confirm the policy’s definitions, claim conditions and treatment rules for the specific diagnosis with the current PDS.
Rank #3
- Perfect for Insurance Agents – A must-have for insurance professionals and brokers who enjoy a little humor with their morning coffee.
- Premium Quality Ceramic – Made from high-quality white ceramic, this 11oz mug features a crisp, long-lasting print on both sides, ensuring durability and style.
- Microwave & Dishwasher Safe – Built for everyday use, this mug is microwave and dishwasher safe, making it easy to clean and reheat beverages.
- Funny and Motivational Design – The bold quote adds a humorous touch to any office desk, making it a great conversation starter with clients and coworkers.
- Great Gift Idea – The perfect gift for birthdays, holidays, work anniversaries, promotions, or as an appreciation gift for insurance professionals who love a good laugh!
Hip treatment
Hip joint surgery or replacement is listed up to $4,000 per hip. The review does not set out further details about how this limit interacts with other benefits, so consult the PDS before relying on it for a particular procedure.
Pre-existing conditions
CHOICE says a pre-existing condition may be covered if it is temporary, fully cured and the pet has been symptom-free for 18 months. This is conditional, not automatic acceptance of a previous condition. Ask the insurer how it will assess your pet’s veterinary history and the policy’s definition of a pre-existing condition.
Rank #4
- Reveal leaving audiences astounded
- Amazing Magic Trick That is Easy to Perform
- High grade material for years of use
- Magic Makers made
Dental and optional benefits
Dental cover
Default cover includes traumatic tooth fracture, oral tumours and stomatitis. Optional dental cover is bundled with other extras, capped at $2,000 and subject to a six-month waiting period. CHOICE lists eligible conditions including gingivitis, abscesses, infection-related dental disease, retained deciduous teeth, cavities and fractured teeth; treatment for some conditions is limited to tooth removal. The review lists odontoclastic resorptive lesions, corrective or cosmetic dental surgery, crowns, orthodontics and root canals as excluded, and says annual routine dental check-ups are required.
The Tool Desk
Outbyte PC Repair FREERepair Windows errors before they cause bigger problemsFix Now →Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →Routine care, behaviour and alternative therapies
CHOICE lists optional routine care at up to $150 per year, including up to $50 for listed items such as desexing, vaccinations or health checks, microchipping, heartworm prevention, teeth cleaning, prescription diets, registration fees and parasite control. Optional behavioural conditions and alternative therapies are each listed up to $2,000; their limits are combined with the dental cover limit. Review the current PDS and quote to establish which extras are available together and how their limits apply.
Best Value
- Life insurance clothes that says: I don't sell life insurance, I educate and protect families.
- Life insurance clothes ideal for any insurance sales agent, medicare broker or salesperson who wants to show off his got life insurance vibe.
- Lightweight, Classic fit, Double-needle sleeve and bottom hem
Other services and exclusions
The review lists 24/7 text or video vet telehealth. Lost-animal cover and legal liability are listed as not covered.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How claims work
CHOICE lists four claim routes: a customer web portal, an e-claim submitted by the vet, GapOnly at participating vet practices, or a mailed claim form. GapOnly is not available at every clinic: it is listed for participating practices only, Monday to Saturday, 8am–10pm AET, excluding NSW public holidays. Confirm your vet participates and check current operating arrangements before relying on this option.
What the public CHOICE review can—and cannot—tell you
The public review provides a useful outline of listed terms, but CHOICE’s expert, cover and out-of-pocket scores are member-only and are not visible on the public page. It therefore does not support assigning this policy a public score or calling it recommended. The page also does not provide a premium, and its summary cannot replace the current PDS or a pet-specific quote.
Do these 3 things before closing this tab:
1Scan for outdated or missing drivers - takes under a minute2Clear out junk files and repair common Windows errors3Fix the driver behind crashes, sound loss and screen glitchesQuick Recap
What to verify before you decide
- Ask for the current PDS and a quote based on your pet’s age, breed and location; confirm the pet is eligible for new cover.
- Check which injuries qualify as specified events and how the 30-day illness wait and six-month waits apply.
- Compare the annual cap, reimbursement percentage and excess alongside the consultation, cruciate and hip limits.
- Read the exclusions and conditions for dental treatment, routine care and any optional extras, including combined limits and check-up requirements.
- Ask how any prior symptoms or diagnoses will be assessed, especially if you are relying on the temporary, cured and symptom-free pre-existing-condition provision.
- Compare premiums only using quotes for the same pet and location, and compare coverage terms as well as price.
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.
