Pet insurance


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 eligible 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 routine care (optional)

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%

Specified accidental injury cover

Yes Yes Yes

Illness cover


Yes Yes

Routine care cover (optional)

No No $145 per annum (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 condition(s) (certain conditions are eligible for a Pre-existing Conditions review)~

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

  • 0 days for specified accidental injuries.
  • 6 months for cruciate ligament conditions (these can be waived depending on circumstances).
  • 0 days for specified accidental injuries.
  • 30 days for illness conditions.
  • 6 months for cruciate ligament conditions (these can be waived depending on circumstances).
  • 0 days for specified accidental injuries.
  • 30 days for illnesses.
  • 6 months for cruciate ligament conditions (these can be waived depending on circumstances).

Routine care benefit

No No

Annual benefit limit for any of the following:

  • Desexing
  • Microchipping
  • Heartworm prevention medication
  • Teeth cleaning
  • Council registration fees
  • Alternative therapies
  • Prescription diets
  • Dewclaw removal
  • Cremation/burial

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
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.

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

731.5KB PDF

Pet Insurance veterinary fee claim form

145.8KB PDF

Update on pre-existing conditions

369.8KB PDF

Pet Insurance pre-existing exclusion review


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:

  • Specified accidental injury only policies, cover broken bones and injuries from motor vehicle incidents. Also covers specified illnesses.
  • Combined specified accidental injury and illness policies cover sickness raging from short-term infections to major conditions such as cancer.

Please note that where applicable a:

  • no waiting period applies for specified accidental injuries
  • 30 day waiting period applied to illness conditions
  • six month waiting period applies to cruciate ligament
  • two year waiting period applied 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?
A pre-existing condition is a condition that existed or occurred prior to the commencement date of your first policy period or within any applicable waiting period.

It’s a condition that you or your vet were aware of, or a reasonable person in your circumstances would have been aware of. This is irrespective of whether the underlying or causative condition was diagnosed at the time.

Whether it’s a pre-existing condition will depend on the condition’s nature and experience. If your pet has a temporary condition that has not existed, occurred or shown noticeable signs, symptoms or an abnormality in the 18 month period immediately prior to your claim treatment date, it will no longer be excluded from your cover as a pre-existing condition. Chronic conditions and several other specified conditions can’t fall within this category.

See your Product Disclosure Statement for more information and examples of pre-existing conditions. You can apply to have any pre-existing condition reviewed by using the form here.

Can I visit any vet?
Yes, you can visit any vet (other than yourself if you are a vet) that is registered 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.

What exclusions apply?
As with most insurance products, there are certain situations where you will not be covered. There are some general exclusions such as pre-existing conditions, dental procedures, fractured teeth, routine or preventative treatments (unless you have Premium Plus Cover which provides a contribution up to the routine care limits), select elective treatments and procedures and breeding and obstetrics. There may also be specific exclusions that may apply to specific levels of cover.

How do I apply for a pre-existing condition review?
If your pet has had a temporary condition that was subject to the pre-existing condition exclusion, you can apply to have it reviewed.

Your vet will need to certify and provide veterinary records verifying that the condition remains a temporary condition and has not existed, occurred or shown noticeable signs, symptoms or an abnormality for a period of 18 months.

This can also be automatically reviewed when you submit your first claim.

The pre-existing condition exclusion(s) won’t be deemed to have been lifted unless agreed to by us in writing. You can download a copy of the Pre-existing Condition Review Form.

If your pet has a chronic condition that existed or occurred before the commencement date of your first policy period or during any applicable waiting period, that condition will always be excluded from your policy.

Can I seek pre-approval of my pet’s upcoming treatment?
Yes. If your pet requires treatment and you wish to seek pre-approval of those costs, you canprovide us with the itemised estimate of costs from your vet, along with the treatment requiredand relevant clinical records and/or veterinary history, and we will respond to you in writing with the outcome.

For more FAQs


HCF Pet Insurance is issued by the insurer The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473; AFSL 241436) (Hollard); is promoted and distributed by The Hospitals Contribution Fund of Australia Limited (ABN 68 000 026 746; AFSL 241414) (HCF); and administered by PetSure (Australia) Pty Ltd (ABN 95 075 949 923; AFSL 420183) (PetSure). 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 decide if the product is right for you.

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).

+We’ll pay you the Benefit Percentage up to the sub-limit shown on your Certificate of Insurance and subject to your overall annual Benefit Limit. Terms and conditions apply. For more information refer to PDS.

#Cover is available for the life of your pet provided you renew your policy each year without any break, lapse or change in the level of your policy. This means once your pet is insured with us,as long as we continue to offer the product and provided you continuously maintain the cover, you will be able to renew your policy for your pet for life. Cover is subject to the terms and conditions of your renewing policy. See details in your PDS.

~Some conditions are eligible for review after an 18 month period. This can be done on application or by submitting your claim. Refer to your PDS or our pre-existing conditions document for more information.

**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.