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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.

HCF pet insurance FAQs

What do Australians think of HCF pet insurance brand?

  • 3.78/5 overall for Customer Satisfaction — lower than the average of 4.15, and this was the lowest score in the category
  • 3.57/5 for Trust — lower than the average of 4.39, and this was the lowest score in the category
  • 3.95/5 for Customer Service — lower than the average of 4.16, and this was the lowest score in the category

Based on HCF pet insurance brand scores in Finder's 2024 Customer Satisfaction Awards.

Compare alternative pet insurance policies

Name Product AUFPI Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Budget Direct Plus Cover
tick
tick
$3,000
$25,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Medibank Pet Max Cover with Extra Care
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tick
$30,000
$30,000
90%
90%
Medibank has a generous maximum yearly benefit of $30,000 and it includes some alternative therapy as standard, which is often an optional extra with many other providers. It also has a multi-pet discount of 5%. T&Cs apply.
Everyday Comprehensive Plus Cover
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$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
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tick
$25,000
$25,000
90%
90%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
PIA Major Medical Cover
tick
tick
$3,000
$30,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
Coles Premium Cover
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tick
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
tick
tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Fetch Pet Insurance
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tick
$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Pet Circle Dog Cover
tick
tick
$10K or $17.5K or $30K
$30,000
70% or 80% or 90%
70% or 80% or 90%
Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
Vets Choice Elite Cover
tick
tick
$2,500
$15,000
80%
80%
Get a 5% discount when you insure more than one pet.
Guardian Platinum Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Petsy Custom Cover
tick
tick
$5000 or $10,000 or $25,000
$0
80% or 90%
80% or 90%
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
Real Premium Accident & Illness Cover
tick
tick
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Ultimate Plus Accident and Illness Cover
tick
tick
$20,000
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
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  • You pay the same price as buying directly from the pet insurer.

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Editor, Insurance

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 670 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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