{"menuItems":[{"label":"\ud83c\udfe5 What does HCF pet insurance cover?","anchorName":"#what-does-hcf-pet-insurance-cover"},{"label":"Accidental injuries","anchorName":"#accidental-injuries"},{"label":"Illnesses","anchorName":"#illnesses"},{"label":"Routine Care","anchorName":"#routine-care"},{"label":"\ud83d\udc65 HCF pet insurance reviews","anchorName":"#hcf-pet-insurance-reviews"},{"label":"HCF pet insurance FAQs","anchorName":"#hcf-pet-insurance-faqs"},{"label":"Compare alternative pet insurance policies","anchorName":"#compare-alternative-pet-insurance-policies"}]}
Pros
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.
Cons
It comes with an 80% reimbursement rate, which is what you'll find with the majority of pet insurance providers. A handful of insurers like Knose and Vets Choice do more than that though.
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.
HCF's Pet Essentials and Premium plans both cover specified accidental injuries. This can help pay for vet bills (including surgery) related to:
Bone fractures
Motor vehicle incidents
Snake bite toxicity
Fight wound abscesses
Illnesses
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:
Cancer treatment
Skin conditions
Ear/eye conditions
Gastrointestinal problems
Ingestion of a forgein object
Intervertebral disc disease (IVDD)
Hereditary and congenital conditions (but not pre-existing conditions)
Routine Care
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:
Desexing
Microchipping
Heartworm control
Vaccinations or health checks
Teeth cleaning
👥 HCF pet insurance reviews
We looked at HCF customer reviews on Finder and productreview.com. Here's a summary of how it did.
It's had a handful of positive reviews on productreview that suggest it's been a good pet insurer for some for many years.
It has a relatively low rating of 2.1 on productreview but this is only based on 55 reviews.
If you're a previous or existing customer of HCF pet insurance, we'd love to hear from you! Leave a quick review here.
Why you can trust Finder's pet insurance experts
We're free
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
HCF pet insurance FAQs
To make a HCF Pet Insurance claim, follow these steps:
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.
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.
Have your vet complete and sign the appropriate section of the form before sending it in; and finally, ensure that
All original itemised invoices and payment receipts must be attached and sent in with your claim form.
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.
Pet insurance policies provided are only available for cats and dogs. Cats and dogs used for commercial purposes such as security and racing are not eligible for cover.
HCF will cover all cats and dog as young as 8 weeks old and younger than 9 years old under their Premium cover option.
Yes, however, they will only be covered for conditions that arise after your insurance Commencement Date and only to the terms and conditions stated in your policy.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
Gary Ross Hunter is 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, news.com.au, The Telegraph, Explore Travel and Escape. Gary holds a Kaplan Tier 1 General Insurance (General Advice) certification and a Kaplan Tier 1 Generic Knowledge certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
SPONSORED: Upgrade your internet before the end of 2023 and get ahead on your life admin! We take a look at some of the benefits of a faster internet connection.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan and read any disclosure documents (such as any Target Market Determination (TMD) and/or Product Disclosure Statement (PDS)) issued by the provider before making a decision.
Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Acceptance by insurance companies is based on things like occupation, health and lifestyle. By providing you with the ability to apply for a credit card or loan, we are not guaranteeing that your application will be approved. Your application for credit products is subject to the Provider's terms and conditions as well as their application and lending criteria.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
