Pet insurance

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 can:

• claim up to 80% back^{^} on eligible vet bills
• claim up to $12,145 per year with our Pet Premium Plus Routine Care cover⁺
• get a discount of up to 10% on additional pet insurance policies^{^^}
• access optional benefits with Routine Care (non-insurance benefit) and Dental Illness.

Give your fur baby the care they deserve when they're unwell, not quite themselves, or dealing with an ongoing condition. With HCF Pet Insurance, you can use VetChat to connect with a registered vet by phone or video and access quality vet care when you need it.

As an added benefit of having an HCF Pet insurance policy, you get complimentary access to an annual VetChat membership, valued at $199.95^**.

How to access and use VetChat: Log in or follow the steps to create an account. Select video or live message. Start your VetChat consultation.

Customer support

If you have questions about Pet Insurance or need to make changes to your Pet Insurance Policy, you can: 

• call us on 1800 630 681 (Monday to Friday, 8am to 8pm AEST)
• email us hcf@petsure.com.au

Complaints

If you wish to make a complaint please visit our FAQs to read more about the complaints process.

HCF Pet Insurance policies entered into for the first time prior to 21 March 2024 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by The Hospitals Contribution Fund of Australia Ltd ABN 68 000 026 746, AFSL 241414 (HCF). HCF Pet Insurance policies entered into for the first time on or after 21 March 2024 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by HCF. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at hcf.com.au/petinsurance.

HCF Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar.HCF may receive a commission of up to 13% of the premium for promoting HCF Pet Insurance Policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to the sale of HCF Pet Insurance. For more information, contact HCF on 1800 630 681 or petinsurance@hcf.com.au.

Manchester Unity Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473; AFSL 241436, is distributed by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241414, and arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. Manchester Unity Pet Insurance is closed to new customers and is only available for renewal by existing customers. Manchester Unity Pet Insurance is not part of HCF's health insurance business. Please do not assume that pet insurance and health insurance are similar. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to ensure this product meets your needs before you renew your cover. Manchester Unity Pet Insurance PDS and TMD available at hcf.com.au/petinsurance.

^* 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% 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. To be eligible for the discount members need to have the HCF My Membership app or online member services set up. This offer may be subject to change.

^{^} Policy Terms and Conditions, limits, sub-limits, exclusions, excesses and waiting periods apply.

⁺ Policy conditions, terms, limits, excesses and waiting periods apply. Up to a total of $12,145 annually with Pet Premium Plus Routine Care, on eligible vet bills. $12,000 for Pet Premium. 

^# The gap means the difference between the vet’s invoice and the eligible claim benefit under your policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure). GapOnly® is available on eligible claims at participating Vets with a pet insurance policy from a GapOnly® pet insurance partner. Meet our partners at gaponly.com.au

^** VetChat is a non-insurance product that is separate from the HCF Pet insurance product and is separately provided by VetChat Services Pty Ltd (VetChat). VetChat is a related company of PetSure (Australia) Pty Ltd. VetChat consult membership and consultations are subject to VetChat’s general Terms and Conditions, including the Privacy Policy which are available online at http://www.vetchat.com.au. VetChat consult membership entitles you to access consults during the current policy period. For the full terms of this offer, visit hcf.vetchat.com.au/terms-and-conditions. Register for VetChat at hcf.vetchat.com.au/signup to access your complimentary VetChat consult membership during the current policy period. HCF may withdraw or extend this offer at any time without notice.

^{^^} Discount commences on 5 December 2023 at 12:00am AEST. HCF Pet Insurance policyholders get a 10% discount that applies to their second and subsequent HCF Pet Insurance 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) ("Discount"). Discount is applied to your premium at the time of purchasing a second or subsequent policy for an additional pet, when purchased in the same transaction. For existing policyholders that wish to insure an additional pet, please call us on 1800 630 681 for the Discount to apply. To be eligible for the Discount, second and subsequent policies must be purchased from 5 December 2023 at 12:00am AEST. Application and order of the Discount is reallocated across remaining policies upon a policy cancellation, where there are two (2) or more active policies. Should a policy(s) be cancelled resulting in only one (1) remaining active policy, the multi-pet discount will cease to apply on the next renewal. Discount may be used in conjunction with other offers, unless otherwise specified. Existing Manchester Unity Pet Insurance policies are not eligible for this discount. 10% discount is applied to reduced member rates (if applicable). Eligibility criteria applies for HCF Pet Insurance and is subject to the HCF Pet Insurance terms and conditions (refer to the Product Disclosure Statement). HCF Pet Insurance reserves the right to withdraw, vary or amend this Discount at any time, without notice.