While your vet takes care of your pets health, let HCF Pet Insurance take care of the costs. HCF Pet Insurance gives you reliable cover and when you visit the veterinarian of your choice you’ll be reimbursed for up to 80% of covered veterinary expenses, less your chosen annual per-condition excess.

Once your pets are insured with us, we will continue to offer them cover for the rest of their life, regardless of their claims history or age.

Please note that HCF Pet Insurance is general insurance issued by The Hollard Insurance Company Pty Ltd, and is not part of our health insurance business. Please read the PDS, and do not assume that pet insurance and health insurance are similar.


Plan options

Pet Essentials

Pet Essentials provides your pet with accidental injury cover, so you’re covered for those unexpected surprises that might come your pet’s way. Pet Essentials will comfortably see your pet back on the road to recovery.

Pet Premium

Pet Premium is the ideal pet insurance partner for total peace of mind. With cover for both accidental injury and illness, your pet will be covered for everything they need to maintain good long term health.

The following table provides a summary of our Pet Essentials covers to help you choose what’s right for your pet.

Features and benefits

Inclusion in cover

Per conditionAn annual per condition excess on your cover ensures a saving on your premium because you agree to share part of the cost if your pet needs treatment. If your pet requires multiple treatments for the same condition you’ll be charged the per-condition excess once for that condition during each policy period as specified on the issued Certificate of Insurance.
excess options

Nil, $50, $100, $200

Accidental injury cover

Yes

Illness cover

Cancer treatment, Skin conditions e.g. allergies, Ear/eye conditions, Gastrointestinal problems, Infectious diseases

No

Veterinary consultations

Yes

After hours emergency visits

Yes

Specialist care

Yes

Laboratory and diagnostic tests

Yes

Hospitalisation

Yes

Radiology

Yes

Prescription medicine and drugs

Yes

Surgery

Yes

Cruciate ligament surgery

Yes

Eligibility

Cats and dogs older than 8 weeks of age

Lifetime cover

Yes

Overall annual claim limit

$8,000

Cover for pre-existing conditions

No

Cover for hereditary and congenital defects

No

Emergency boarding fees

$500

Overseas pet travel insurance

Yes

Paralysis tick benefit

N/A

Waiting periods

N/A

Dental illness cover (optional add-on)

N/A

The following table provides a summary of our Pet Premium covers to help you choose what’s right for your pet.

Features and benefits

Inclusion in cover

Per conditionAn annual per condition excess on your cover ensures a saving on your premium because you agree to share part of the cost if your pet needs treatment. If your pet requires multiple treatments for the same condition you’ll be charged the per-condition excess once for that condition during each policy period as specified on the issued Certificate of Insurance.
excess options

Nil, $50, $100, $200

Accidental injury cover

Yes

Illness cover

Cancer treatment, Skin conditions e.g. allergies, Ear/eye conditions, Gastrointestinal problems, Infectious diseases

Yes

Veterinary consultations

Yes

After hours emergency visits

Yes

Specialist care

Yes

Laboratory and diagnostic tests

Yes

Hospitalisation

Yes

Radiology

Yes

Prescription medicine and drugs

Yes

Surgery

Yes

Cruciate ligament surgery

Yes

Eligibility

Cats and dogs older than 8 weeks of age
and under 9 years of age on joining

Lifetime cover

Yes

Overall annual claim limit

$12,000

Cover for pre-existing conditions

No

Cover for hereditary and congenital defects

Yes

Emergency boarding fees

$1,000

Overseas pet travel insurance

Yes

Paralysis tick benefit

$1,000 - $1,200

Waiting periods

30 days for illness conditions

Dental illness cover (optional add-on)

$2,000

Routine care

Benefit

Annual limit

An annual benefit limit for ONE of the following:

De-sexing
Microchipping
Heartworm prevention medication
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal
Cremation/burial

$50

PLUS annual benefits for ALL of the following:

Vaccinations/health checks

$30

Heartworm test

$10

FelV/FIV test

$10

Flea/tick/worm control

$45

Eligibility

Can be taken with Pet Premium only

N/A

This product is issued and underwritten by the Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (AFSL No. 241436). The insurance is arranged through HCF. HCF receives a commission of 20% of the premium stated in the PDS for each policy issued. The information provided does not take into account your individual objectives, financial situation or needs. You should consider the Combined PDS and FSG before deciding to buy or continue to hold this product. Neither HCF, nor any of its related entities, directors or officers guarantees the assessment or payment of claims under any policy issued by Hollard.


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Optional add ons

Routine Care

This optional cover will assist towards routine care items which are essential to your pet’s health such as vaccinations and heartworm tests. Routine Care pays 100% of the cost up to the specified limit, and there is no per-condition excess applicable for this cover. Plus, add Routine Care to Pet Premium, and your $1,000 tick paralysis benefit increases to $1200. Routine Care can be added to Pet Premium only.

Dental Illness Cover

Cover your pet for dental treatment as a result of an accident or injury, plus treatment to relieve suffering from conditions relating to illness (such as gingivitis and abscesses). You’ll receive 80% for net bills, up to $2,000, within your overall annual claim limit. The per-condition excess applies to dental illness cover, and your pet must have been insured for at least 2 years to receive this benefit. Dental Illness Cover can be added to Pet Premium only.


More pet benefits

Emergency boarding fees

We will pay up to $20 per day for the cost of boarding your pet at a licensed pet boarding facility if you are hospitalised for more than 5 days, up to a maximum of $1,000 per year depending on your level of cover.

Overseas pet travel insurance

We will pay for eligible veterinary costs that your pet has incurred whilst it is on holiday with you in destinations where your pet is not required to be quarantined on return to Australia.

Paralysis tick benefit

Exclusive to Pet Premium, our Paralysis tick benefit pays up to $1,200 for veterinary costs relating to the treatment of paralysis ticks.