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.

4.1 ★★★★★ (120 reviews) Write a review

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.
Compare pet insurance fast

🏥 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

Product AUFPI Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
tick
tick
$30,000
$30,000
90%
90%
Fetch your 1st month free. Sign up to Medibank Pet Insurance using promo code 1FREE and get your first month's premium free. Offer ends 2 April 2025. T&Cs apply.
tick
tick
$3,000
$25,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
tick
tick
$3,000
$30,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Bow Wow Meow Pet Insurance  logo
tick
tick
No sub-limit
$30,000
70%, 80% or 90%
70%, 80% or 90%
Get your first 2 months free by using the promo code: 2MFREE. T&Cs apply. Enjoy GapOnly claiming and complimentary use of myPetPass with 24/7 access to Live Vet Care. Also, policyholders are entitled to a free ID tag.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance logo
tick
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.
Coles Pet Insurance logo
tick
tick
$2,500
$12,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Fetch Pet  logo
tick
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 Insurance Australia logo
tick
tick
$3,000
$30,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 3 months free when you sign up using the code PIA303. T&Cs apply.
PD Pet Insurance logo
tick
tick
$15,000
$20,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Vets Choice Pet Insurance logo
tick
tick
$2,500
$15,000
80%
80%
Get a 5% discount when you insure more than one pet.
Petsy Top Cover
ExclusiveHighly commended
Petsy Pet Insurance logo
tick
tick
$25,000
$25,000
90%
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.
Guardian Pet Insurance  logo
tick
tick
$1,200
$12,000
80%
80%
Lifetime cover for cats and dogs, up to 80% covered.
Real Pet Insurance  logo
tick
tick
$1,200
$12,000
80%
80%
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Pet Insurance  logo
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.
PetsOnMe Pet Insurance logo
tick
tick
$20,000
$20,000
80%
80%
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
Guide Dogs Pet Insurance  logo
tick
tick
$2,000
$20,000
85%
85%
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
Everyday Pet Insurance  logo
tick
tick
No
$15,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Prime Pet Insurance logo
tick
tick
$1,000
$14,000
80%
80%
With guaranteed renewal you can protect your pet for life.
View details
Pet Insurance Australia logo
tick
tick
$1,000
$30,000
80%
80%
Covers your vet bills for specified accidents and illnesses, including cruciate ligament and cancer treatment. Get 3 months free when you sign up using the code PIA303. T&Cs apply.
Prime Pet Insurance logo
tick
tick
$1,200
$14,000
85%
85%
With guaranteed renewal you can protect your pet for life.
View details
Medibank Pet Insurance logo
tick
tick
$25,000
$25,000
80%
80%
Fetch your 1st month free. Sign up to Medibank Pet Insurance using promo code 1FREE and get your first month's premium free. Offer ends 2 April 2025. T&Cs apply.
Petbarn Pet Insurance logo
tick
tick
No specified limit
$0
100%
100%
Use promo code 2MFREE to get 2 months off your first premium. Plus, access to ongoing discounts with the Pet Insurance Rewards Book.
View details
Kogan Pet Insurance logo
tick
tick
No
$5,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Get 1 month free when you purchase Kogan Pet Insurance. Sign up using promo code FREEMONTH. Offer ends 30 September 2025. T&Cs apply.
View details
Real Pet Insurance  logo
tick
tick
$1,000
$12,000
75%
75%
Covers specific accidents and illnesses for your pet. Get 10% of premiums back in the first 12 months.
Trupanion Pet Insurance logo
tick
tick
Unlimited
$0
90%
90%
View details
Prime Pet Insurance logo
tick
tick
$14,000
Add dental cover to your Sovereign or Imperial policy. With every additional pet, you get a 10% discount. (T&Cs apply)
HCF Pet Insurance logo
tick
tick
$1,000
$12,000
80%
80%
HCF members save up to 15% on pet insurance.
View details
Everyday Pet Insurance  logo
tick
tick
$2,000
$24,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Guardian Pet Insurance  logo
tick
tick
$2,000
$12,000
60%
60%
No joining fee to pay.
Guide Dogs Pet Insurance  logo
tick
tick
$1,500
$15,000
75%
75%
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
Pet Circle  logo
tick
tick
$10K or $17.5K or $30K
$10,000
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.
View details
RAC Pet Insurance logo
tick
tick
No specified limit
$12,000
80%
80%
View details
Guide Dogs Pet Insurance  logo
tick
tick
$2,000
$15,000
80%
80%
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
Petinsurance.com.au Dog Platinum Cover
Petinsurance.com.au Pet Insurance logo
tick
tick
$30,000
$30,000
up to 80%
up to 80%
View details
PetsOnMe Pet Insurance logo
tick
tick
$10,000
$10,000
80%
80%
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
Petinsurance.com.au Pet Insurance logo
tick
tick
$2,000
$20,000
80%
80%
Lifetime cover for your pet from 8 weeks old. Receive up to $599 worth of non-insurance benefits back every year, such as obedience training, desexing and more. T&C's apply. See site for full details.
View details
Coles Pet Insurance logo
tick
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.
Budget Direct Pet Insurance logo
tick
tick
$1,000
$12,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Petsy Pet Insurance logo
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 Pet Insurance  logo
tick
tick
$2,000
$12,000
60%
60%
Basic level of cover for injuries such as falls, car accidents, burns and snake bites. Get 10% of premiums back in the first 12 months.
Everyday Pet Insurance  logo
tick
tick
$1,500
$10,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Australian Seniors Pet Insurance  logo
tick
tick
$1,200
$12,000
80%
80%
Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.
Petinsurance.com.au Pet Insurance logo
tick
tick
$3,000
$20,000
80%
80%
Lifetime cover for your pet from 8 weeks old. Receive up to $599 worth of non-insurance benefits back every year, such as obedience training, desexing and more. T&C's apply. See site for full details.
View details
Australian Seniors Pet Insurance  logo
tick
tick
$2,000
$12,000
60%
60%
If you're over 50 get 10% off.
RSPCA Pet Insurance  logo
tick
tick
$2,000
$11,000
60%
60%
Covers your vet bills when your cat or dog suffers an accidental injury or illness. Get 1 month free for the first year of new policies. T&C's apply.
ahm Pet Insurance logo
tick
tick
$30,000
$30,000
80%
80%
View details
Vets Choice Pet Insurance logo
tick
tick
$2,500
$12,000
80%
80%
Get a 5% discount when you insure more than one pet.
Petmed Pet Insurance logo
tick
tick
$1,000
$18,000
65% or 80%
65% or 80%
View details
Prime Pet Insurance logo
tick
tick
$2,000
$14,000
65%
65%
With guaranteed renewal you can protect your pet for life.
View details
Australian Seniors Pet Insurance  logo
tick
tick
$1,000
$12,000
75%
75%
If you're over 50 get 10% off.
RSPCA Pet Insurance  logo
tick
tick
$1,000
$11,000
75%
75%
Covers your pet for a range of accidents and illnesses. Get 1 month free for the first year of new policies. T&C's apply.
RACQ Pet Insurance logo
tick
tick
No specified limit
$12,000
80%
80%
View details
Coles Pet Insurance logo
tick
tick
$2,500
$10,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Knose Pet Insurance logo
tick
tick
$12,500
$12,500
70%
70%
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
Kogan Pet Insurance logo
tick
tick
$1,200
$8,000
80%
80%
Get 1 month free when you purchase Kogan Pet Insurance. Sign up using promo code FREEMONTH. Offer ends 30 September 2025. T&Cs apply.
View details
PD Pet Insurance logo
tick
tick
$5,000
$5,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
RAC Pet Insurance logo
tick
tick
No specified limit
$12,000
80%
80%
View details
Everyday Pet Insurance  logo
tick
tick
$1,500
$5,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Bupa Pet Insurane logo
tick
tick
$1,500
$20,000
80%
80%
Save 10% if you're a Bupa health member.
View details
Medibank Pet Insurance logo
tick
tick
$4,000
$10,000
70%
70%
Fetch your 1st month free. Sign up to Medibank Pet Insurance using promo code 1FREE and get your first month's premium free. Offer ends 2 April 2025. T&Cs apply.
Kogan Pet Insurance logo
tick
tick
$2,000
$15,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Get 1 month free when you purchase Kogan Pet Insurance. Sign up using promo code FREEMONTH. Offer ends 30 September 2025. T&Cs apply.
View details
Petinsurance.com.au Pet Insurance logo
tick
tick
$30,000
$30,000
80%
80%
Lifetime cover for your pet from 8 weeks old. Receive up to $599 worth of non-insurance benefits back every year, such as obedience training, desexing and more. T&C's apply. See site for full details.
View details
RSPCA Pet Insurance  logo
tick
tick
$1,200
$11,000
80%
80%
RSPCA's second most comprehensive policy. For extra protection, you can add on Routine Care Cover. Get 1 month free for the first year of new policies. T&C's apply.
Guardian Pet Insurance  logo
tick
tick
$1,000
$12,000
75%
75%
No joining fee to pay.
Pet Circle  logo
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.
View details
PD Pet Insurance logo
tick
tick
$10,000
$10,000
100%
100%
Apply online and get your first 1 month free. T&Cs apply.
Budget Direct Pet Insurance logo
tick
tick
$1,500
$15,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
Pet Insurance Australia logo
tick
tick
$1,000
$6,000
90%
90%
Highest reimbursement rate out of PIA's policies. Get 3 months free when you sign up using the code PIA303. T&Cs apply.
PetsOnMe Pet Insurance logo
tick
tick
$5,000
$5,000
80%
80%
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
loading

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

Compare other products from HCF

Gary Ross Hunter's headshot
Journalist

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. See full bio

Gary Ross's expertise
Gary Ross has written 631 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

Ask a question

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms Of Service and Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

More guides on Finder

Go to site