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.
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:
- Heart worm prevention medication
- Teeth cleaning
- Council registration fees
- Alternative therapies
- Prescription diets
- Dewclaw removal
Filing an HCF Pet Insurance claim doesn’t need to be a hassle. follow the steps below to easily file your claim: