Pet insurance

To help pet parents get the most from their pet insurance policies, PetSure (who administer HCF pet insurance policies) recently made some changes to how pre-existing conditions are handled for all HCF pet insurance policies. This applies to claims with a veterinary treatment date from 1 December 2020. To learn more about these changes, read this update on pre-existing conditions.


HCF members can save up to 15%* on HCF Pet Insurance. It’s our way of saying thanks. Existing HCF Pet Insurance policies will have the member discount automatically applied at renewal. 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 three 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 that applies to the first claim for each unrelated condition for each policy period. The higher your excess the lower your premium will be.


Choosing the right pet insurance for your beloved pet can feel overwhelming at times. But with HCF Pet Insurance, there are key benefits for you and your pet. With pet cover from HCF, you'll have peace of mind because you can:

  • claim up to 80% back on eligible vet bills
  • claim up to $12,145 each year
  • get a discount of up to 10% on additional pet insurance policies^
  • access optional benefits with Routine Care and Dental Illness.
Get a quote


If you have more than one fur baby, you can get up to a 10% discount on each additional pet insurance policy when you insure more than one dog or cat^.

HCF pet insurance plans at a glance

  Pet Essentials Pet Premium Pet Premium and (optional) routine care

Annual benefit limit

$8,000 $12,000 $12,145

% of vet bill covered up to

80% 80% 80%

Get a discount of up to 10% on additional pet insurance policies when you insure more than one dog or cat^

10% 10% 10%

Accidental injury cover

Yes Yes Yes

Illness cover


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+ $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 No Yes Yes

Consultations (annual benefit)##

$300 $300 $300

Specialist care##

Yes Yes Yes

Laboratory and diagnostic tests##

Yes Yes Yes


Yes Yes Yes


Yes Yes Yes

Pre-existing conditions

No No No

Prescription medicines and drugs##

Yes Yes Yes


Yes Yes Yes

Cruciate ligament conditions (annual benefit)

$2,600** $2,600** $2,600**

Hereditary and congenital conditions^^

N/A Yes Yes


No No Yes (up to the $50 Routine Care limit below) 

Overseas pet travel insurance (New Zealand and Norfolk Island only)

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 year waiting period applies for dental illness treatment. Refer to the PDS.)
$2,000 (2 year waiting period applies for dental illness treatment. Refer to the PDS.)


Get a quote

Pet insurance member portal

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

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

HCF and PetSure understand that there are times when HCF Pet Insurance policyholders may be feeling vulnerable due to a range of factors. In these situations, PetSure (who administers HCF Pet Insurance policies) is committed to taking extra care and recognises these vulnerabilities can give rise to unique needs, which can change over time or in response to particular situations.

If you are experiencing vulnerability and would like more information on the extra care PetSure can provide please email PetSure on You can also access PetSure’s Family Violence Policy here, and their website also contains additional accessible ways you can contact PetSure.  


Pet insurance product disclosure statement

162.4KB PDF

Pet Insurance veterinary fee claim form

232.4KB PDF

Update on pre-existing conditions

133.4KB PDF

Pet Insurance pre-existing exclusion review

257.9KB PDF

Pet Insurance cruciate ligament form

62.6KB PDF

Frequently asked questions about HCF Pet Insurance

Why is pet insurance important?
You may be able to budget for the ongoing day-to-day costs of keeping your pet healthy (such as vaccinations, flea and worm treatments and regular check-ups). However, an unexpected health emergency can quickly end up with vet bills that can be difficult to pay. HCF Pet Insurance can give you the reassurance of being able to provide treatment if your pet suddenly has an injury or illness.

What does HCF Pet Insurance cover?
While there are some differences between pet insurance policies, there are two main types of cover:

  • Accidental injury only policies, which cover the likes of broken bones or injuries from motor vehicle incidents.
  • Combined accidental injury and illness policies, which also cover sickness (ranging from short-term infections to major conditions such as cancer).

Please note that where applicable a:

  • 30-day waiting period applies to illness conditions;
  • 6-month waiting period applies to cruciate ligament conditions; and
  • 2-year waiting period applies to dental illness.

How much will I get back from a pet insurance claim?
This depends on the policy you choose. HCF Pet Insurance pays back up to 80% of eligible vet bills, not including any excess you might have and any policy limits.

Most policies are based on what’s called a ‘benefit percentage’ reimbursement. For example, an 80% benefit percentage means that if your eligible vet bill comes to $1,000, your pet insurance will give you back $800 and you’ll pay the other $200 (subject to any exclusions, excess or applicable limit).

What is routine care?
HCF encourages responsible pet ownership by providing a routine care option which can give you a helping hand towards certain preventative healthcare treatments for your pet. Routine care allows for a contribution towards some treatments like:

  • De-sexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Council registration fees
  • Alternative therapies
  • Prescription diets
  • Dewclaw removal
  • Cremation/burial
  • Vaccinations/health checks
  • Heartworm test
  • FeLv/Fiv test
  • Flea/tick/worm control

The routine care limits for each item will be listed on your certificate of insurance.

Does HCF Pet Insurance cover dental illness?
You can add optional dental illness cover to our Pet Premium or Pet Premium Plus Routine Care. Dental illness cover provides cover for up to $2,000 per policy period for specified conditions like gingivitis. Please note that a 2-year waiting period applies to dental illness. You should read your Product Disclosure Statement to understand what is covered under this optional benefit.

What is a pre-existing condition in pets?
If any symptoms or signs of a condition occur or the condition exists in any form prior to taking out your policy or during the applicable waiting period, then it will be a pre-existing condition and won’t be covered under your policy. PetSure (who administer HCF Pet Insurance policies) have recently made some changes to how pre-existing conditions are handled for all HCF pet insurance policies. This applies to claims with veterinary treatment date from 1 December 2020. You can find more information about this here.

When do I need to submit a claim for my pet’s treatment?
We’ve recently made a change to our claims process. You no longer need to submit your claims within 90 days of treatment, you can now submit a claim for your pet at any time.

Can I visit any vet?
Yes, you can visit any vet (other than yourself if you are a vet) that is licensed to legally practice as a veterinarian in Australia.

Please note: On rare occasions, if the expenses of your pet’s treatment are significantly higher than what is reasonable and expected for that type of treatment for a pet in similar circumstances, then claim payments may be adjusted to reflect the reasonable and expected expenses.

If your pet requires treatment, you can seek a claim pre-approval from us and we’ll provide you with the details of your claim reimbursement. To request a pre-approval, simply call us on 1800 630 681.

Can I cancel my pet’s policy?
You may cancel your policy at any time. We understand circumstances can change and would like to see if we can help keep your cover active. Please call our customer service team on 1800 630 681 or send us an email at so we can discuss your options.

If you do decide to cancel, we will issue a pro-rata refund for the uninsured period where premiums are paid annually, less any applicable government or statutory charges. If you pay by instalments, we will not deduct any further premiums after the date of cancellation.


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

^10% discount applies to second and subsequent policies only, based on the order that pet details are entered when you obtain a quote, or the order that policies are purchased (if purchased separately). Existing Manchester Unity Pet Insurance policies are not eligible for this discount. 10% discount is applied to reduced member rates (if applicable).

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

#As long as there are no gaps or breaks in cover, with cover subject to the terms and conditions of the renewing policy.

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

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

++Dental Illness: Cover for dental treatment specified in the Product Disclosure Statement. You'll get up to 80% back, up to $2,000 within your overall annual claim limit (per-condition excess applies). There is a two-year waiting period for this benefit.

##In relation to conditions covered by your policy.