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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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.
  • It lets you claim up to $12,145 each year — that's lower than most providers available on Finder./li>
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 does HCF pet insurance cover?

HCF offers the following pet insurance policies: Pet Essentials and Pet Premium. The latter comes with the option to add on routine care.

Ambulance vehicle with pet paw on the front

Accidental injuries

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

Vet building with pet paw on the front

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)

Pet toothbrush and scissors

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.

HCF pet insurance FAQs

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Pet Insurance
$1,500
$12,000
80%
80%
⭐ Finder Exclusive: Receive a $55 eGift card after your 21-day cooling off period. Apply by 28 February 2022.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$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.
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
Get a sweet 16% off your first year. Sign up and use promo code SAVE16 by 2 Feb 2022. T&Cs apply.
PD Deluxe Plan
$15,000
$15,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Knose Pet Insurance
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
Coles Premium Cover
$2,500
$15,000
80% or 100%
80% or 100%
Get 10% off your new Coles pet policy till 31 Jan 2022. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Vets Choice Elite Cover
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Kogan Pet Luxury Cover
$2,000
$15,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
⭐Finder Exclusive: Get 2 months free + a complimentary Smart Wifi water fountain for your pet. T&C's apply.
PetSecure Accident and Illness Cover
$500
$12,000
75% or 85%
75% or 85%
Get a 10% lifetime discount if your pet is a rescue animal or you own have a seniors or pensioners card.
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