Bupa Pet Insurance Review

How does Bupa pet insurance compare?

Finder Score	Maximum Yearly Benefit	Paralysis Tick Yearly Sub-Limit	Reimbursement rate	Accidental Injury	Illness
Finder Score 7.3 Great Bupa Ultimate Cover	Finder Score 7.3 Great	$20,000	$1,500	80%			Save 10% if you're a Bupa health member plus get a 5% multi pet discount. T&Cs apply.	Continue More info Compare product selection Compare	loading

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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.

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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.

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.

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

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 foreign object
• Gastrointestinal problems
• Hereditary conditions (excluding pre-existing conditions)

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

• How do I make Bupa pet insurance claim?

  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:

• How much of my vet expenses will Bupa cover?

  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.

• Will I have to pay an excess with Bupa?

  No, unless you want to. All policies come with $0, $100 and $200 excess options.

• What are the waiting periods with Bupa?

  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.

Written by

Gary Ross Hunter

Journalist

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. See full bio

Gary Ross's expertise

Gary Ross has written 589 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living