- 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.
- Its policies are straightforward and easy to understand. It comes with accident and accident and illness cover options.
HCF offers the following pet insurance policies: Pet Essentials and Pet Premium. The latter comes with the option to add on routine care.
HCF's Pet Essentials and Premium plans both cover specified accidental injuries. This can help pay for vet bills (including surgery) related to:
HCF's Premium cover is the only policy to cover illnesses (as well as accidents). You'll have to wait 30 days from taking out a policy before you're covered and six months for cruciate ligament injuries – this is standard among most insurers. It can help pay for:
You can get routine care cover added on to an HCF Premium policy. This type of cover is designed to help pay for common preventative treatments your pet often needs such as:
We looked at HCF customer reviews on Finder and productreview.com. Here's a summary of how it did.
If you're a previous or existing customer of HCF pet insurance, we'd love to hear from you! Leave a quick review here.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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