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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 ★★★★★ (155 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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Finder Awards badge

Congratulations, Bupa!

Bupa received the following awards in the 2024 Customer Satisfaction Awards:

  • Pet Insurance - Top Value Brand (Winner)
  • Pet Insurance - Loved Brand (Highly Commended)
  • Pet Insurance - Trusted Brand (Highly Commended)
Full list of 2024 winners

🏥 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

Bupa pet insurance FAQs

What do Australians think of Bupa pet insurance brand?

  • 4.27/5 overall for Customer Satisfaction — higher than the average of 4.15
  • 4.71/5 for Trust — higher than the average of 4.39
  • 4.14/5 for Customer Service — lower than the average of 4.16

Based on Bupa pet insurance brand scores in Finder's 2024 Customer Satisfaction Awards.

Compare alternative pet insurance policies

Name Product AUFPI Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Plus Cover
tick
tick
$3,000
$25,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Medibank Pet Max Cover with Extra Care
tick
tick
$30,000
$30,000
90%
90%
Medibank has a generous maximum yearly benefit of $30,000 and it includes some alternative therapy as standard, which is often an optional extra with many other providers. It also has a multi-pet discount of 5%. T&Cs apply.
Everyday Comprehensive Plus Cover
tick
tick
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
tick
tick
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
PIA Major Medical Cover
tick
tick
$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 PIA202. T&Cs apply.
Coles Premium Cover
tick
tick
$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
tick
tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Fetch Pet Insurance
tick
tick
$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Pet Circle Dog Cover
tick
tick
$10K or $17.5K or $30K
$30,000
70% or 80% or 90%
70% or 80% or 90%
Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
Vets Choice Elite Cover
tick
tick
$2,500
$15,000
80%
80%
Get a 5% discount when you insure more than one pet.
Guardian Platinum Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Petsy Custom Cover
tick
tick
$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
tick
tick
$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
tick
tick
$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.
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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.

Compare other products from Bupa

Gary Ross Hunter's headshot
Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 670 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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