Save on Bupa Pet Insurance with discount codes and coupons. Choose from 3 policies covering up to $20,000 in vet bills each year.
Bupa offers a Basic, Standard and Ultimate policy to suit a variety of pet owners, and you can claim up to 80% of your pet's eligible medical expenses.
Bupa pet insurance discounts and deals for August 2017
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What policies are available?
Bupa Pet Insurance has three policies you can choose from to ensure your furry friend is covered for any mishaps. The most basic policy only insures against accidental injuries, while the most comprehensive policy covers injuries and illness, and comes with a range of optional extras. Details for each level of cover are as follows:
Basic
- Accidental injury cover only
- $6,000 annual benefit limit
- Excess choice of $0, $100 or $200
- $500 emergency boarding
Standard
- Accidental injury and illness cover
- Annual benefit limit of $12,000
- $1,000 emergency boarding
- Excess choice of $0, $100 or $200
- Optional routine care cover up to $200 a year
Ultimate
- Accidental injury and illness cover
- Annual benefit limit of $20,000
- $1,500 emergency boarding
- Excess choice of $0, $100 or $200
- Optional extras cover for routine care, alternative therapies and dental procedures
Who underwrites Bupa Pet Insurance?
Bupa Pet Insurance is provided by Hollard Insurance Company. Its associate PetSure administers the policies on Hollard’s behalf.
What are the pluses and minuses of choosing Bupa to protect my pet?
Although there is the matter of excess to consider, there are many reasons Bupa’s pet insurance will provide you with peace of mind when it comes to your pet’s health.
Pros
- High benefit limit. The Ultimate policy has one of the highest annual limits available for pets at $20,000 a year.
- Routine care benefit. You can add routine care cover to the Standard and Ultimate policies. It comes with an annual benefit limit of $200.
- Dental and alternative therapies. When you select the Ultimate level of insurance, you can add an optional dental and alternative therapies benefit to your policy.
- Discount for Bupa members. If you already have personal cover with Bupa, you receive a 10% discount on pet insurance.
- Fully online. You can apply for a policy as well as make claims online via Bupa’s online portal.
Cons
- Excess. Each of Bupa’s policies comes with an excess. You can choose a $0 excess, but your premiums will be higher.
How do I apply?
To apply for Bupa pet insurance, you will need to visit their website.
Before applying, consider the different levels of cover available and decide if you want illness cover or any of the optional benefits. Check the product disclosure statement for a full list of exclusions and conditions to ensure that the policies are right for you.
Once you have chosen a policy, you can get a quote and purchase insurance through Bupa’s website. Alternatively, you can apply over the phone.
How do I make a claim?
You can submit a claim to Bupa online or through the post. All invoices must be fully paid before claiming, and you must make your claim within 90 days of receiving treatment.
Along with the claims forms you need to submit invoices and consultation notes. For the first claim only you also have to submit a record of your pet’s medical history.
Some questions people have about Bupa
Does the policy cover existing bilateral conditions?
No. If your pet has an existing condition on one side of its body, the other side will not be covered for that condition. For example, if your pet has a condition in its left ear, the insurance will not cover the same condition in the right ear as it will be considered pre-existing.
What are the policy exclusions?
You can find a full list of the general exclusions and specific benefit conditions in the product disclosure statement. Here are some of the more common ones:
- Pregnancy and breeding
- Prescription food, vitamins or minerals
- Elective procedures
- Preventative care (except under routine care benefit)
- Malicious acts or negligence by your family
- Dental work (except under the optional dental benefit)
What options do I have for paying the premium?
You can elect to pay the premium fortnightly, monthly or annually.
What does the Alternative Therapies benefit cover?
If you choose to add alternative therapies cover you will be able to claim up to $1,000 a year for treatments such as homoeopathic remedies, laser therapy, physiotherapy, physical therapy, chiropractic, acupuncture and hydrotherapy. However, each type of treatment has a sub-limit of $400, meaning you can not use to full $1000 on one type of treatment. Treatment must be carried out by a vet or by a registered provider referred by a vet.
Can I cancel my policy if I’m not happy with it?
All Bupa Pet Insurance policies come with a 21-day cooling-off period. You can cancel your policy within this time and receive a full refund. After this period you will receive a pro rata amount based on the time remaining on your policy. Once you have made a claim, you may cancel your policy but will not receive any refund or remaining premium back.
