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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.

4.3 ★★★★★ (44 reviews) Write a review

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.
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🏥 What does Bupa pet insurance cover?

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.

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 $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
Vet building with pet paw on the front

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:
  • 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

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Bupa pet insurance FAQs

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Pet Max Cover with Extra Care
$30,000
$30,000
90%
90%
⭐Finder Exclusive: Get your 1st month’s premium free when you choose Medibank Pet Insurance. Sign up using promo code FINDERONE. Offer ends 12 December. T&Cs apply.
Everyday Comprehensive Plus Cover
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Budget Direct Pet Insurance
$1,500
$12,000
80%
80%
Current Offer: Apply online and get 15% off your first year's premium PLUS go in the draw for your chance to win 1 of 3 $10,000 cash prizes. T&Cs apply.
Kogan Pet Luxury Cover
$2,000
$15,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
Coles Premium Cover
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Pet Circle Dog Cover
$10K or $17.5K or $30K
$0
70% or 80% or 90%
70% or 80% or 90%
Vets Choice Elite Cover
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Guardian Platinum Accident & Illness Cover
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
PIA Major Medical Cover
$3,000
$30,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA241. T&Cs apply.
Petsy Custom Cover
$5000 or $10,000 or $25,000
$0
80% or 90%
80% or 90%
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
Real Premium Accident & Illness Cover
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
$20,000
80%
80%
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.
Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
80%
Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
Kogan Pet Primary Cover
$1,200
$8,000
80%
80%
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
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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.

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.

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