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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

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.

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HCF pet insurance FAQs

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Editor, Insurance & Innovations

Gary Ross Hunter was 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, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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