Bupa Pet Insurance Review

Bupa pet insurance is one of the few providers to offer up to $20,000 and is good if you're a Bupa health member as well.

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  • There's three 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.


  • 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.

Review by our insurance writer Gary Hunter

Bupa pet insurance is not currently available via Finder. But don't fret! You can head to their website at www.bupa.com.au for more information or compare a bunch of other pet insurance companies with Finder.
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What pet insurance plans does Bupa offer?

Bupa offers three different tiers of pet insurance coverage, each covering different treatments and conditions.

Basic cover: This policy is good for people who only want cover for specified accidental injuries. It covers up to 80% of eligible vet bills, up to a yearly limit of $6,000.

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.

🏥 What does Bupa pet insurance cover?

Bupa offers three different levels of cover for applicants to choose from: Basic, Standard and Ultimate. Here's a quick breakdown of what they can cover your pet for.

Ambulance vehicle with pet paw on the front

Accidental injuries

All Bupa policies cover accidental injuries. They can pay you 80% of vet bills and cover you for between $6,000 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
Vet building with pet paw on the front


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:
  • Cancer treatment
  • Skin conditions
  • Ear/eye conditions
  • Ingestion of a forgein object
  • Gastrointestinal problems
  • Hereditary conditions (excluding pre-existing conditions)
Pet toothbrush and scissors

Routine Care

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

Bupa pet insurance FAQs

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Pet Insurance
⭐ Finder Exclusive: Receive a $55 eGift card after your 21-day cooling off period. Apply by 28 February 2022.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
Medibank Ultimate Pet Care
Get a sweet 16% off your first year. Sign up and use promo code SAVE16 by 2 Feb 2022. T&Cs apply.
PD Deluxe Plan
Apply online and get your first 1 month free. T&Cs apply.
Knose Pet Insurance
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
Coles Premium Cover
80% or 100%
80% or 100%
Get 10% off your new Coles pet policy till 31 Jan 2022. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Vets Choice Elite Cover
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
PIA Major Medical Cover
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Kogan Pet Luxury Cover
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
⭐Finder Exclusive: Get 2 months free + a complimentary Smart Wifi water fountain for your pet. T&C's apply.
PetSecure Accident and Illness Cover
75% or 85%
75% or 85%
Get a 10% lifetime discount if your pet is a rescue animal or you own have a seniors or pensioners card.

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👥 Bupa pet insurance reviews

​​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.

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