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Pros
There's two different plans to choose from with Bupa – good for price flexibility.
You can get optional cover for dental illness and teeth cleaning which not many other insurers offer.
It's good if you're with Bupa. All Bupa health members get 10% off.
Cons
Bupa's annual benefit cap of $20,000 is one of the higher limits on the market. That said, Petsy and a couple others go as high as $25,000.
Its paralysis tick benefit of $1,500 is bettered by the likes of Coles, Bow Wow Meow and Knose.
What pet insurance plans does Bupa offer?
Bupa offers two different tiers of pet insurance coverage, each covering different treatments and conditions.
Standard cover: This policy will suit people who want cover for specified accidental injuries and illnesses. It also covers up to 80% of eligible vet bills, up to a yearly limit of $12,000. Routine care is available as an option.
Ultimate cover: This policy is good for people who want cover for a wider range of accidental injuries and illnesses for their dog or cat. Up to 80% of eligible vet bills are covered, up to a yearly limit of $20,000. Routine care, alternative treatment, and major dental are all available as options.
We don't currently have this brand on our panel. But don't fret! You can head to the Bupa pet insurance website or compare a bunch of other pet insurance companies with Finder.
Bupa offers two different levels of cover for applicants to choose from: Standard and Ultimate. Here's a quick breakdown of what they can cover your pet for.
All Bupa policies cover accidental injuries. They can pay you 80% of vet bills and cover you for between $12,000 and $20,000 a year. A policy can cover you for accidents such as:
Motor vehicle incidents
Burns or electrocution
Bone fractures
Snake bite toxicity
Traumatic ligament or tendon injuries
Illnesses
Two of Bupa's policies cover illnesses: Standard and Ultimate. They come with a $12,000 and $20,000 annual benefit limit and can pay you 80% of eligible vet bills for illnesses including:
You can pay extra to have Routine Care included in your Standard or Ultimate policy. There's no waiting periods and it can pay for items such as:
Desexing
Microchipping
Heartworm control
Teeth cleaning
Vaccinations
Why you can trust Finder's pet insurance experts
We're free
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
Bupa pet insurance FAQs
Here's how to make a Bupa pet insurance claim online:
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.
To submit your claim by mail, 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's Standard policy comes with a $12,000 and Ultimate has a $20,000 limit. All policies can cover up to 80% of vet bills.
No, unless you want to. All policies come with $0, $100 and $200 excess options.
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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
We looked at Bupa customer reviews on Finder and productreview.com which go back 5 years from August 2021. Here's a summary of how it did.
Customers are generally very happy with their Bupa policies. It currently has a 4.3 rating on Finder and most reviews on productreview.com are positive.
Not all customers have been happy with Bupa pet insurance's service. Over 35 people gave it 1 star on productreview.com.
Why compare pet insurance with Finder?
You pay the same price as buying directly from the pet insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've reviewed over 35 policies on the market, so you don't have to.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
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