HCF Pet Insurance Review

HCF Pet Insurance is good if you’re already a member and have more than one pet but its $12,145 limit is lower than most.

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Our Verdict

  1. It's good if you're a HCF member — you can get 15% off. You can also get 10% off for insuring more than one pet..
  2. It comes with an 80% reimbursement rate, which is what you'll find with the majority of pet insurance providers. Only a small handful like Knose and Vets Choice do more than that.
  3. It lets you claim up to $12,145 each year — that's lower than most providers available on Finder.

Review by our insurance writer Gary Hunter

HCF pet insurance is not currently available via Finder. But don't fret! You can head to their website at www.hcf.com.au for more information or compare a bunch of other pet insurance companies with Finder.
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What pet insurance policies are offered by HCF?

Pet Essentials

HCF's Pet Essentials plan comes with an $8,000 limit and 80% reimbursement rate. It's ideal if you only need protection for injuries and other essentials such as surgery, specialist care, and cruciate ligament conditions.

Pet Premium

With HCF Pet Premium, you're covered for injuries and illnesses. This policy comes with a $12,000 annual limit, which is still slightly less than some of its competitors — you'll find that many others offer between $15,000 and $20,000. However, like other HCF pet insurance policies, you can get 10% off if you insure an additional pet on your policy. It also comes with cover for emergency boarding, tick paralysis and cancer treatment.

This gives you the same benefits as Pet Premium but you also get cover for routine care and a slightly higher annual benefit limit of $12,145. Routine care can cover your pet for the following:
  • Desexing
  • Microchipping
  • Heart worm prevention medication
  • Teeth cleaning
  • Council registration fees
  • Alternative therapies
  • Prescription diets
  • Dewclaw removal
  • Cremation/burial

What isn’t covered?

  • Pre-existing conditions – refers to any medical condition, your pet shows signs or symptoms of before your insurance commencement date or during any applicable Waiting Period.
  • Dental Care – refers to dental disease and procedures, gingivitis and treatment of teeth fractures, teeth cleaning and scaling and removal of deciduous or fractured teeth or any oral disease.
  • Day-to-Day Care – includes but is not limited to, regular prescription drugs, preventative procedures, grooming and bathing or treatment while your pet is being used for commercial or occupational purposes.
  • Certain Treatments and Conditions – that won’t be covered include medication not approved or listed by the APVMA, breeding or obstetrics, cell-replacement therapies and inconclusive diagnosis.
  • Certain Services & Procedures – such as transport or boarding expenses, ambulance fees, house calls and genetic/chromosome testing.
  • Elective Procedures – refers to any routine examinations, cosmetic procedures and experimental treatments or therapies.

How do I make a claim?

Filing an HCF Pet Insurance claim doesn’t need to be a hassle. follow the steps below to easily file your claim:

  1. You must first ensure that you carefully and honestly complete and sign your claim form before submitting it to HCF within 90 days of the treatment being claimed.
  2. First time claimers, must provide a full veterinary history from your current vet and all previous veterinarians who have treated your pet in the past.
  3. Have your vet complete and sign the appropriate section of the form before sending it in; and finally, ensure that
  4. All original itemised invoices and payment receipts must be attached and sent in with your claim form.

Some final questions you might have

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Dog Insurance
$12,000
$1,500
$12,000
80%
80%
⭐Finder Exclusive: Buy a Budget Direct Pet Insurance policy by July 31st and you will receive a $80 eGift Card once you pass your 21-day cooling off period. Click “Get a Quote” to qualify and redeem your offer.
Medibank Ultimate Pet Care
$15,000
$1,200
$15,000
80%
80%
Get 1 month free of Pet Insurance. Plus, Medibank health members save 10% every year. Use the promo code FREEMONTH. Offer ends August 18, 2021. T&Cs apply.
PD Deluxe Plan
$15,000
$2,300
$15,000
N/A
N/A
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.
Knose Dog Cover
$25,000
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
⭐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
$15,145
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$15,000
$2,500
$15,000
100%
100%
Get a 5% discount when you insure more than one pet.
Kogan Pet Luxury Cover
$15,000
$2,000
$15,000
80% or 65%
80% or 65%
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$25,000
$1,500
$25,000
100%
100%
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.
Coles Premium Cover
$15,000
$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.
PetSecure Accident and Illness Cover
$12,000
$500
$12,000
75% or 85%
75% or 85%
Your pet is covered for life.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
Up to $20,000 annual limit
$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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