Bupa Pet Insurance Review

Get cover of up to $20,000 and meet the cost of up to 80% of your pet's eligible bills with Bupa Pet Insurance.

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

Our Verdict:

  • There's no fewer than three plans to choose from with Bupa. You can also get optional cover including for dental illness and teeth cleaning.
  • Bupa's annual benefit cap of $20,000 is one of the higher limits on the market. That said, Petsy goes 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 senior writer James Martin

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Which insurer is behind Bupa Pet?

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.

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.

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

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.

Frequently asked Questions about Bupa Pet Insurance

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate Maximum Yearly Benefit
Woolworths Comprehensive Cover
$1,500
$24,000
80%
80%
$24,000
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Includes a price beat promise for similar policies and GapOnly cover.
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
$15,000
Get 16% off pet insurance for the first year. Plus, Medibank health members save 10% every subsequent year. Use promo code SAVE16. Ends June 22. T&Cs apply*. Find out more.
Budget Direct Dog Insurance
$1,500
$12,000
80%
80%
$12,000
Apply online and get 15% off your first year’s premium. T&Cs apply.
Knose Dog Cover
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
$25,000
⭐Finder Exclusive: Get 10% off of the first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
$15,145
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$2,500
$15,000
100%
100%
$15,000
Get a 5% discount when you insure more than one pet.
Kogan Pet Luxury Cover
$2,000
$15,000
80% or 65%
80% or 65%
$15,000
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$2,500
$12,000
100%
100%
$12,000
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
$2,300
$15,000
N/A
N/A
$15,000
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$1,500
$25,000
100%
100%
$25,000
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.
RSPCA Ultimate Plus Accident and Illness Cover
Up to $20,000 annual limit
$20,000
80%
80%
$20,000
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
Guide Dogs Premium Care
$2,000
$20,000
85%
85%
$20,000
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
PetSecure Accident and Illness Cover
$500
$12,000
75% or 85%
75% or 85%
$12,000
Your pet is covered for life.
Real Premium Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Covers an extensive range of illnesses and accidents, including an optional Routine Benefit add-on. Get 10% of premiums back in the first 12 months.
Guardian Platinum Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
No joining fee to pay.
Prime Sovereign Accident & Illness Cover
$1,200
$14,000
85%
85%
$14,000
With guaranteed renewal you can protect your pet for life.
Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Extra benefits such as overseas cover for your pet, plus an optional routine care add-on.
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