HCF Pet insurance

Choosing the right pet insurance for your beloved pet can feel overwhelming at times. But with HCF Happy Tails Cover, there are key benefits for you and your pet, including:

• getting 70%⁺, 80% or 90% back^{^} on eligible vet bills
• choosing your annual benefit limit from $10,000, $20,000 or $30,000 each year (less any excess chosen)
• controlling your premium with an annual excess of $0, $250 or $500⁺
• optional extras like Routine Care (non-insurance benefit) to claim up to $150 per year for routine and preventative pet care, and Booster Care giving you a $2,000 annual limit for a range of specified dental conditions and specialised therapies^{^}.

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 13 13 34

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 (HCF), 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 to renewing customers who first purchased their insurance policy prior to 1 June 2015. 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. HCF does not receive any commission for distributing Manchester Unity Pet Insurance policies. HCF sales agents are paid a salary or wages but do not receive a commission or other payments attributable to renewals of Manchester Unity Pet Insurance. For more information, contact HCF on 13 13 34. 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 choosing to renew your cover. Manchester Unity Pet Insurance PDS and TMD available at hcf.com.au/petinsurance

This webpage sets out details of cover available under the HCF Happy Tails Cover PDS. Cover is different for policies issued or renewed under previous PDSs. Please refer to the “Important details about your pet insurance policy” section for details.

^* HCF members who have held eligible cover for at least 1 week (consecutive) and are up to date with their premiums can get a discount of 12% on HCF Happy Tails Cover Pet Insurance policies issued from 03/07/2026 and their subsequent renewals (Discount). For this Discount, “eligible cover” includes all Hospital and Extras products, plus selected Life and Recover Cover products (full list available here) and excludes Overseas Visitor Health Cover and Ambulance Only Cover. The Discount does not apply to Manchester Unity Pet Insurance policies. To redeem the Discount, HCF members must have registered on the HCF My Membership app or through online member services before they quote and buy a new HCF Pet Insurance policy online via the HCF Pet Insurance webpage. The Discount will be applied to standard premiums (including for optional covers), before adding fees, taxes and government charges, noting that if the HCF member is eligible for more than one discount, we apply each of them in a predetermined order to the premium as reduced by any prior applied discount. The Discount will continue to apply for HCF eligible members automatically in the event the policy is renewed, while this offer continues. HCF members who bought a HCF Pet Insurance policy before this Discount or any previous HCF Pet Insurance member discount applied, or before they had held eligible cover for at least 1 week (consecutive), can redeem the Discount (which will be applied on subsequent renewals) by registering on the HCF My Membership app or through online member services and contacting PetSure on 1800 630 681. This Discount may be subject to change at any time, without notice. Any previous member discount percentage applicable to HCF Pet Insurance policies issued prior to this date will continue to apply unchanged to renewals of those policies on and after 03/07/2026.

^{^} Customers can choose a benefit percentage for eligible claims of 70%, 80% or 90%, and an annual excess of $0, $250 and $500⁺. Policy Terms and Conditions, limits, exclusions, excesses and waiting periods apply. Please refer to the PDS for further information.

⁺ $500 excess is not available with the 70% benefit percentage.

^# myPetPass^® is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available to holders of active HCF Pet Insurance policies. myPetPass® perks are provided by PetSure and third-party suppliers pursuant to the terms and conditions of myPetPass® and of the third-party suppliers. myPetPass^® perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPass® through the offer or provision of perks, or that the myPetPass^® rewards programme or any myPetPass® perks or features of myPetPass^® will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms

^** 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

^{^^} Live Vet Support is a non-insurance service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Live Vet Support is only available while you hold a current HCF Pet Insurance policy. It may be suspended or withdrawn at any time without notice. Live Vet Support should not be used in a medical emergency and cannot provide you with information or advice about your HCF Pet Insurance policy. Access to Live Vet Support consultations is subject to the Customer Portal terms of use. For those terms, and the full terms of use of the service, visit https://petportal-hcf.petsure.com.au

⁺⁺ 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.