Policyholders get 24/7 online vet consultations through myPetPass and LiveVet for any after-hours health concerns.
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.
How does Bupa pet insurance compare?
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
The following features and policy administrative services are available to policyholders:
24/7 virtual vet consultations. All plans include access to myPetPass, which provides 24/7 online consultations with Australian-registered veterinarians via LiveVet.
Annual benefit limits. Policyholders can select a Standard plan with a $12,000 annual limit or an Ultimate plan with a $20,000 annual limit.
Customisable cost sharing. Policies typically feature an 80% benefit percentage and allow for a selected excess of $0, $100, or $200 to be applied to claims.
On-site claims processing. The system supports GapOnly, enabling participating veterinary clinics to process claims during the visit so the policyholder only pays the remaining balance.
Pre-existing condition reviews. Policyholders may apply to have a temporary condition reviewed if the pet has not shown signs, symptoms, or abnormalities for at least 18 months.
Optional benefit boosters. Coverage can be extended to include major dental or alternative treatment (such as physiotherapy and acupuncture) for an additional premium.
Bupa pet insurance costs
To help give you an idea about costs for Bupa pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed and age, and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Staffordshire bull terrier, Dachshund, King charles cavalier spaniel, & Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Nose-to-Tail cover
Quotes updated in July 2025
Desexed: Yes
Excess: $250
Owner's DOB: 1 May 1985
Address: New south wales, 2011
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
What will not be covered by Bupa?
Under Bupa pet insurance policies, coverage is not provided for the following:
Pre-existing conditions
Routine and preventative care (unless routine care is purchased)
Dental and behavioural issues
Breeding and pregnancy
Elective and cosmetic procedures
Food and supplements
Parasite-related infestations
Medication without a diagnosis
After-hours or house calls
How to make a claim
You can independently manage your claims through the secure Bupa customer portal. To submit a claim for reimbursement:
Log in to the portal. Access the Bupa customer portal at any time to start a new claim.
Upload required documents. You must provide a digital copy of the itemised tax invoice, payment receipts, and the consultation notes from your vet visit.
Confirmation of payment. All vet accounts must be paid in full before you submit an online claim for reimbursement.
Direct payment. Once approved, your benefit will be paid directly into your nominated bank account.
Bupa pet insurance FAQs
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.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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