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|
Skin conditions e.g. allergies, ear/eye conditions, gastrointestinal problems, infectious diseases
|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#
|Lifelong cover ^^||Yes||Yes||Yes|
|21 day cooling off period||Yes||Yes||Yes|
|Consultations (annual benefit)||$300||$300||$300|
|After-hours emergency visits||Yes||Yes||Yes|
|Laboratory and diagnostic tests||Yes||Yes||Yes|
|Prescription medicines and drugs||Yes||Yes||Yes|
|Cruciate ligament conditions (annual benefit)||$2,600~||$2,600~||$2,600~|
|Hereditary and congenital conditions^||N/A||Yes||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:
|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.
Contact HCF pet insurance
Sales & existing policy enquiries: 1800 630 681
Email us: email@example.com
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
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 combined PDS and FSG
Pet insurance veterinary fee claim form
Pet insurance pre-existing exclusion review
Pet Insurance cruciate ligament form
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 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.
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.