Gold multi-pet discount but lower limit than others.
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 offers 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.
We currently don't have that product, but here are others to consider:
How we picked these
Finder Score for pet insurance
We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
HCF has a number of perks included in its pet insurance policies that could be right for you. These include:
Health fund member discounts. If you already hold a health insurance policy with HCF, you can receive up to a 15% discount on your pet insurance premiums. This can make their pricing more competitive compared to standalone pet insurance providers.
24/7 Live vet support. The policy includes access to round-the-clock telehealth consults with registered Australian vets via video or chat. This is a practical inclusion for getting objective advice when regular clinics are closed, without having to immediately pay for an emergency vet visit.
Emergency boarding. The policy includes a benefit to cover the cost of boarding your pet at a licensed kennel or cattery if you, as the sole carer, are hospitalised for one or more consecutive days, or if you require emergency accommodation due to family violence.
Multi-pet discount. For households with more than one animal, HCF provides up to a 10% discount on each additional pet insurance policy.
Routine and dental care add-ons. While standard policies focus purely on accidents and illnesses, HCF allows you to add optional Routine Care and Dental Illness benefits to its Pet Premium plan. This helps offset the costs of standard preventative treatments that are typically excluded by most standard covers.
HCF pet insurance costs
To help give you an idea about costs for HCF pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your location
If your pet is desexed.
What isn't covered by an HCF policy?
When evaluating HCF pet insurance, it is crucial to review their product disclosure statement (PDS) to understand exactly what the policy does and does not cover. Based on their policy documents, the following list reflects the general exclusions applied to an HCF pet insurance policy:
Pre-existing conditions
Routine and preventative treatments
Dental procedures and fractured teeth
Elective treatments and procedures
Breeding and obstetrics-related expenses
General pet care costs
Illnesses attributable to diseases
Any treatments or conditions related to intentional harm, neglect, or non-compliance with veterinary advice
How to submit an HCF Pet Insurance claim
For those managing HCF Pet Insurance, claims are processed through the MyPet Portal, which is accessible via the HCF My Insurance Portal. To manually submit an online claim, follow these steps:
Log in. Access the HCF My Insurance Portal from a web browser or the HCF mobile app to navigate to the MyPet Portal.
Gather documentation. You must provide an itemised, paid invoice from your veterinarian. This document needs to detail individual treatment items and the total amount paid. For your first claim, or if the pet was adopted, you may also be required to provide the pet's full veterinary history.
Upload documentation. Upload digital copies or clear photos of the itemised invoice and any relevant consultation notes to the portal.
Provide details. Fill in the required fields regarding your pet's condition, the date of the veterinary visit, and the specific treatments received.
Submit. Review the attached documents and entered data for accuracy before submitting the claim for processing. HCF states they aim to process most claims within five to ten working days, though complex cases or missing information can extend this timeframe.
HCF pet insurance FAQs
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.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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