Bupa Pet Insurance

Information verified correct on October 21st, 2016

Cover up to 80% of your pet's eligible bills with Bupa Pet Insurance

With a Pet Insurance plan from Bupa, you can claim up to 80% of your pet’s eligible dental, medical and accidental vet bills.

Hollard is the insurer of Bupa Pet; however, all Bupa Pet Insurance, verification and cancellation are conducted, on behalf of Hollard, by PetSure. Bupa, through resources and authorisation from PetSure, provides protection for your pets in the form of:

  • Financial protection for vet expenses caused from unexpected accidental injuries or illnesses and
  • Eligible vet expenses for any vet in Australia, as well as, some overseas veterinarians
finder.com.au does not currently have access to this pet insurance brand. You may wish to compare options available on the pet insurance homepage.

What policies are offered by Bupa Australia?

Bupa offers three different levels of cover for applicants to choose from:

  • Basic – The Bupa Basic Insurance plan is a budget-friendly protection package that provides coverage against accidental injuries, such as fractures, fight wounds, burns or electrocution, snake bite toxicity, and motor vehicle accidents.
  • Standard – with a $12,000 benefit limit, Bupa Standard provides protection for accidental injuries and illnesses. With the additional, optional routine care benefit, Bupa Standard covers a series of eventualities, such as: diabetes, skin conditions, cancer, as well as, the stated benefits for accidental injuries and illnesses.
  • Ultimate – provides pet owners with a peace of mind, knowing that your pet is covered for all accidental injuries, illnesses and optional routine care. The $20,000 benefit level that comes with this policy includes protection against cancer, diabetes and skin conditions. It is also possible for you to tailor the Bupa Ultimate policy to suit your pet’s health needs with optional protection, such as coverage for:
  • Alternative therapies
  • Dental Illnesses
  • Routine Care Plus – offer coverage for training, prescription diets and teeth cleaning
Insurance PlanFeatures Details
Bupa Basic
  • Protects against accidental injuries
  • $6000 Annual benefit
  • 80% coverage for all vet bills
  • $0/$100/$200 Excess options
  • $300 Annual Limit-consultation & vet bills
  • $2600 annual limit-cruciate ligament conditions
10% Discount for all Bupa health members
Bupa Standard
  • Protects against accidental injuries and illnesses
  • $12,000 Annual Benefit
  • 80% coverage for all eligible vet bills
  • Optional Routine cover
  • $0/$100/$200 Excess options
  • 30 day waiting period for illness/6 months for cruciate ligament conditions
  • $300 Annual limit-consultations & vet bills
  • $2,600 annual limit cruciate ligament conditions
  • Optional $200 Routine Care with $80 sublimit
10% Discount for all Bupa health members
Bupa Ultimate
  • Covers accidental injury, illnesses and routine care
  • Optional dental illness protection
  • $20,000 Annual benefit level
  • 80% coverage for all eligible vet bills
  • $0/$100/$200 Excess options
  • 30 day waiting period for illness and alternative therapy & 6 months for dental illness & cruciate ligament conditions
  • $300 Annual Limit-consultations & vet visits
  • $2,600 Annual limit cruciate ligament conditions
  • $500 sublimit for skin conditions
  • $1,500 sublimit for paralysis tick benefit
  • $1,000 upgrade for alternative treatment
10% Discount for Bupa health members

What isn't covered?

Unless otherwise stated in your Certificate of Insurance, your Bupa Pet Insurance policy won’t cover the following:

  • Pre-existing Medical Conditions – refers to any condition, symptoms or sign of a condition your pet experiences before your policy becomes effective or during any applicable waiting period.
  • Day-to-Day Care – includes regular prescription drugs, preventative procedures and treatment for pets who are used for commercial or occupational purposes.
  • Dental Care – such as dental disease, procedures; gingivitis, tooth fractures and orthodontics are not covered under your policy, unless you buy the optional cover.
  • Certain Treatments & Conditions – such as those including treatments for behavioural problems, cell-replacement therapies and any condition excluded under the policy.
  • Certain Services & Procedures – are not covered under Bupa Pet Insurance. These services and procedures include: transport or boarding expenses, ambulance fees, organ transplant surgery and genetic/chromosome testing.
  • Elective Procedures & Treatments – that includes routine examinations, cosmetic procedures and experimental treatments will not be covered under a Bupa Pet Insurance Policy.
  • Failure to Protect your pet – the company will not cover malicious act, gross negligence or deliberate injury by you or someone else in your household.
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How to File a Claim with Bupa

Once you have submitted the notification of the covered event you would like to claim, you may proceed with filing, either online or follow the traditional process and submit your request using paper through the mail.

How to process your claim online?

  • To process your Bupa claim online, you must upload a copy of your consultation notes and itemised invoice to the company’s system, via the customer portal.
  • A full medical history is required if you are filing a claim for the first time.
  • Adoption papers must accompany your invoice for pets who were adopted.

Filing a Claim through traditional Mail

If this is the process you choose, you must first

  • Print the claim form online and complete it; then
  • Have your vet complete Section 2 and, along with your vet, sign the assigned areas.
  • Mail the complete form with itemised invoices, payment receipts and consultation notes to:

BUPA Pet Insurance,

Locked Bag 9021,

Castle Hill, NSW, 1765

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Why Choose Bupa?

Your pet, like you, will have health issues that require a few trips to the vet each year. With the average yearly cost of multiple fractures being $2,241, these trips can be expensive. To avoid spending thousands of dollars each year on out of pocket pet health expenses, Bupa Pet Insurance offers excellent additional and optional benefits, such as:

  • Emergency boarding
  • Paralysis Tick Benefit
  • Essential Euthanasia
  • Pet Overseas Travel Expense
  • Routine Care
  • Alternative Therapy; and
  • Dental Illness Benefits

Along with their built in benefits and excellent additional optional benefits, Bupa Pet Insurance is an excellent option for pet owners who wish to protect their pets from all unforeseen eventualities.

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Frequently asked Questions about Bupa Pet Insurance

Q. How old must my pet be in order for him to get coverage under Bupa Pet Insurance?

A. All pets, 8 weeks and older can be covered under all policies available from Bupa Insurance; however, under the Standard and Ultimate policy, your pet cannot be older than 9 years old in order for him to receive coverage.

Q. Will my pet be covered for all types of accidents under the Accidental Injury only policy?

A. While Bupa provides coverage for a wide range of Accidental Injuries, your pets are only covered for the following accidents:

  • Motor vehicle accidents
  • Burn or electrocution
  • An allergic reaction to an insect bite other than a tick or flea or any accident that results in:

ü  Bone fractures

ü  A traumatic ligament or tendon injury

ü  Snake bite toxicity

ü  Bite wound or fight wound abscesses; or lacerations or abrasion of tissue, skin or mucus membrane due to external violence.

How much of my vet expenses are covered under Bupa Pet Insurance?

A. Bupa will reimburse the Benefit Percentage selected and shown on your Certificate of Insurance. In other words, an 80% Benefit Percentage will reimburse 80% of all eligible vet expenses.

Q. Are there any Waiting Periods that I need to be aware of?

A. There is a 30 day waiting period for Conditions covered under the illness and Alternative Therapy and tick paralysis section; while there is a 6 month waiting period for cruciate ligament Conditions and Dental Illnesses.

Q. What are the general exclusions that apply to a Bupa Insurance Policy?

A. In an attempt to keep premiums manageable, Insurance companies apply what is known as exclusions; these exclusions that apply to Bupa Pet Insurance includes: foods/diets, pregnancy, elective procedures, preexisting conditions, and behavioural problems. To avoid confusions when it comes to filing a claim, it’s essential that you read what is and isn’t covered under your policy.

Q. What is considered a preexisting condition?

A. A preexisting condition includes any symptom or sign of a condition that occur before the Commencement Date of your policy or during any applicable waiting period. For example, if your pet is showing signs of cancer during your waiting period, it will be considered a preexisting condition and it will not be covered under your policy.

Q. Is my insurance valid for the duration of my pet’s lifespan?

A. Your pet will be covered for the rest of his life if you renew your policy and pay your premiums on time.

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