Pet insurance

HCF Members SAVE UP TO 15%*

If you’re an HCF member you can save up to 15%* on our pet insurance. It’s our way of saying thanks. Not a member? Switch now to take advantage of all the benefits we offer.

Your pet is family - Let us protect them too

HCF pet insurance can help with the cost of your cat or dog’s vet bills (providing up to 80% back). With two levels of cover and a range of optional extras, you can design a policy that’s right for your pet’s life-stage and needs.

We offer a range of excess options, from zero to $200. The excess is your contribution to your pet’s treatment (payable once per condition). The higher your excess the lower your premium will be.

HCF pet insurance plans at a glance

  Pet Essential Pet Premium Pet Premium + (optional) Routine Care
Annual benefit limit $8,000 $12,000 $12,145
% of vet bill covered up to 80% 80% 80%
Accidental injury cover Yes Yes Yes

Illness cover

Skin conditions e.g. allergies, ear/eye conditions, gastrointestinal problems, infectious diseases

No Yes Yes
Routine care cover (optional) No No $145 per anum (stated benefits)
Tick paralysis (annual benefit) No $1,000 $1,200

Emergency boarding fees

Up to $20 per day#

$500 $1,000 $1,000
Lifelong cover ^^ Yes Yes Yes
21 day cooling off period Yes Yes Yes
Cancer treatment No Yes Yes

Skin conditions 

e.g. allergies

No Yes Yes
Consultations (annual benefit) $300 $300 $300
After-hours emergency visits Yes Yes Yes
Specialist care Yes Yes Yes
Laboratory and diagnostic tests Yes Yes Yes
Hospitalisation Yes Yes Yes
Radiology Yes Yes Yes
Pre-existing conditions No No No
Prescription medicines and drugs Yes Yes Yes
Surgery Yes Yes Yes
Cruciate ligament conditions (annual benefit) $2,600~ $2,600~ $2,600~
Hereditary and congenital conditions^ N/A Yes Yes
Desexing No No Yes
Overseas pet travel insurance Yes Yes Yes
Waiting period 6 months for cruciate ligament (can be waived) 30 days for illness conditions
6 months for cruciate ligament (can be waived)
30 days for illness conditions
6 months for cruciate ligament (can be waived)

Routine care benefit

Annual benefit limit for any of the following:

Heartworm prevention medication
Teeth cleaning
Council registration fees
Alternative therapies
Prescription diets
Dewclaw removal

No No $50
Vaccinations/health checks No No $30
Heartworm test No No $10
FeLv/Fiv test No No $10
Flea/tick/worm control No No $45
Dental illness cover (optional add-on) ** No $2,000 $2,000

~ You may be eligible for a higher limit and if so, this will be specified in your certificate of insurance.

# Terms and conditions apply. For more information refer to the PDS.

^ Excluding pre-existing conditions. For more information refer to the PDS.

^^ As long as there are no gaps or breaks in cover.

** Dental illness: Cover for dental treatment resulting from accidents, injury, or illness. You'll get 80% back, up to $2,000 within your overall annual claim limit (per-condition excess applies). There is a 2 year waiting period for this benefit.

Get a quote

Contact HCF pet insurance

Sales & existing policy enquiries: 1800 630 681

Email us:

How do I make a complaint?

If you have any concerns about our products or services or wish to dispute the outcome of a decision, we will do our best to work with you to resolve it.

You should first contact one of our Customer Service consultants on 1800 630 681. If, after speaking to our team, you are still not happy with the outcome, you can take your matter further by contacting our Internal Dispute Resolution Committee.

The Internal Dispute Resolution Committee’s contact details are:

The Complaints Officer
Locked Bag No. 9021
Castle Hill NSW 1765

Phone: 1800 630 681
Fax: 1300 367 229

Your concerns will be investigated by the Committee and, provided that we have all the necessary information, we will inform you of the outcome within 15 working days of receiving your letter, email or phone call.

If we are unable to resolve this matter in 15 working days, we will let you know and will provide a final response no later than 45 days from the date we received your complaint.

If the Internal Dispute Resolution Committee does not resolve the matter to your satisfaction or does not provide you with an outcome within 45 days of receipt of your complaint, you may refer the matter to an external dispute resolution scheme.

This is a free service to consumers to assist in resolving complaints.

The Australian Financial Complaints Authority
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001

Pet insurance member portal

Claim, manage your policy, update your details and more through our online portal.


Pet Insurance combined PDS and FSG

491.6KB PDF

Pet insurance veterinary fee claim form

232.3KB PDF

Pet insurance pre-existing exclusion review

257.8KB PDF

Pet Insurance cruciate ligament form

62.6KB PDF


Terms, conditions, waiting periods and exclusions apply. HCF Pet Insurance is issued and underwritten by the Hollard Insurance Company Pty Ltd ABN 78 090 584 473 (AFSL 241436). The insurance is distributed and promoted by The Hospitals Contribution Fund of Australia Limited (HCF) ABN 68 000 026 746 (AFSL 241414) and arranged through Petsure (Australia) Pty Ltd ABN 95 075 949 923 (AFSL 420183). 

HCF receives a commission of up to 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 Product Disclosure Statement, Policy Terms and Conditions and Financial Services Guide 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.

HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar.

* All HCF members are eligible for at least 10% discount on HCF Pet Insurance. HCF Ruby and Diamond members get 15% discount. Existing Manchester Unity Pet Insurance policies are not eligible for discounts under HCF Thank You. Visit the HCF Thankyou page for further information. Where relevant, increased discount will be applied automatically at first renewal after advancement in HCF Thank You tier.