Bupa Pet Insurance Review

How does Bupa stack up?

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Gary Ross Hunter

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Key takeaways

  • Discounted rates for Bupa health fund members. Relatively generous benefit offers. Policyholders get 24/7 online vet consultations through myPetPass and LiveVet for any after-hours health concerns.

Pros

  • No sublimity across treatments
  • GapOnly® claims available at participating vet clinics
  • Complimentary access to Live Vet, providing 24/7 vet online support

Cons

  • Dental care not covered, unless purchased through the Booster Care add on

How does Bupa pet insurance compare?

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Bupa Pet Insurane logo
8.3 Great
Bupa Signature Cover
8.3 Great
$8,000, $15,000 or $30,000
70%, 80%, or 90%
Discount: Save 10% if you're a Bupa health member plus get a 5% multi pet discount. T&Cs apply.
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Why choose Bupa Pet Insurance?

The following features and policy administrative services are available to policyholders:

  • 24/7 virtual vet consultations. All plans include access to myPetPass, which provides 24/7 online consultations with Australian-registered veterinarians via LiveVet.
  • Customisable cost sharing. Policies typically feature an 70%, 80%, or 90% benefit percentage and allow for a selected excess of $0, $150, $300 and $600 to be applied to claims.
  • On-site claims processing. The system supports GapOnly, enabling participating veterinary clinics to process claims during the visit so the policyholder only pays the remaining balance.
  • Pre-existing condition reviews. Policyholders may apply to have a temporary condition reviewed if the pet has not shown signs, symptoms, or abnormalities for at least 18 months.
  • Optional benefit boosters. Coverage can be extended to include major dental or alternative treatment (such as physiotherapy and acupuncture) for an additional premium.

What will not be covered by Bupa?

Under Bupa pet insurance policies, coverage is not provided for the following:

  • Pre-existing conditions
  • Routine and preventative care (unless routine care is purchased)
  • Dental and behavioural issues
  • Breeding and pregnancy
  • Elective and cosmetic procedures
  • Food and supplements
  • Parasite-related infestations
  • Medication without a diagnosis
  • After-hours or house calls

How to make a claim

You can independently manage your claims through the secure Bupa customer portal. To submit a claim for reimbursement:

  1. Log in to the portal. Access the Bupa customer portal at any time to start a new claim.
  2. Upload required documents. You must provide a digital copy of the itemised tax invoice, payment receipts, and the consultation notes from your vet visit.
  3. Confirmation of payment. All vet accounts must be paid in full before you submit an online claim for reimbursement.
  4. Direct payment. Once approved, your benefit will be paid directly into your nominated bank account.

Bupa pet insurance FAQs

Sources

Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 559 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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