HIF Pet Insurance

Pet insurance can help keep vet costs down. So why should you consider HIF pet insurance?

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HIF pet insurance offers three levels of protection for your four-legged family member. For a breakdown on its policies, what’s covered and what’s excluded, as well as excess, claims and optional cover, read on for the full guide to HIF pet insurance.

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What cover options does HIF have?

  • Basic. Basic cover offers protection for common incidents such as accidental injuries, ingesting foreign objects, poisoning, toxicity and treatment of paralysis ticks and snake bites.
  • Middle. As well as covering the common incidents in Basic cover, Middle cover offers additional protection for cancer treatments, joint dysplasia, intervertebral disk disease (IVDD) and some developmental problems.
  • Top. Comprehensive cover for your cat or canine, Top cover includes everything in Middle cover, as well as any eligible vet expenses for your pet suffering any illness or accidental injury – provided they are not in the policy exclusions.

How does each cover type compare?

BasicMiddleTop
Motor vehicle incident
Burns and electrocution
Allergic reaction to an insect bite
Bone fractures
Snake bite
Lacerations
Torn nail
Heat stroke
Trauma-induced respiratory impairment
Soft tissue injury
Ingestion of foreign object
Tick bite and paralysis
Traumatic disc rupture/intervertebral disc disease (IVDD)
Gastric dilatation-volvulus (GDV)
Cruciate or traumatic ligament conditions
Hip and patella conditions
Cancer
Additional veterinarian expenses

What additional cover options are there?

  • Routine care. Routine care covers expenses for certain preventative healthcare treatments. Which treatments are covered will be outlined in your policy.
  • Dental Illness. Protects your pet’s teeth against gingivitis, abscesses and removal of teeth where medically necessary.

What exclusions are there?

While exclusions can vary depending on the insurer and your situation, there are some general exclusions to pet insurance policies. These can include:

  • Treatment of certain diseases, whether your dog or cat was vaccinated or not, such as infectious canine hepatitis (canine adenovirus), parvovirus, canine distemper, parainfluenza and all forms of kennel cough, panleukopenia, chlamydia, leukaemia (FeLV), Feline Immunodeficiency Virus (FIV), herpes virus and all forms of cat flu
  • Any declared pandemic disease that causes widespread illness affecting dogs or cats
  • More than one incident of swallowing a foreign object that causes a blockage or obstruction requiring surgical or endoscopic removal per policy period
  • Any tick preventative treatments or measures (eg tick baths, sprays, etc) whether recommended by your vet or not
  • Illness omitted or lied about
  • Patella luxations (dislocating kneecap) and elbow dysplasia

What excess do I need to pay?

HIF doesn’t impose an excess on its policies. Instead, the insurance policy you select has a benefit option, which will cover a certain percentage of your vet expenses. For example, if you select an 80% benefit package, HIF will reimburse you 80% of the applicable expenses.

How do I make a claim?

To make a claim, you can go online to hif.com.au/pet and start the process to lodge your claim. You can also call 1300 070 946 to speak to an HIF representative.

You need to submit your claim within 90 days of your pet receiving treatment. The attending vet must also fill out part of your claim so remember to take a printed claim form (available on the website) with you when you visit your vet. In some cases, veterinary records may be required.

Compare alternative pet insurance policies

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate Maximum Yearly Benefit
Woolworths Comprehensive Cover
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Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Includes a price beat promise for similar policies and GapOnly cover.
Medibank Ultimate Pet Care
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Get 16% off pet insurance for the first year. Plus, Medibank health members save 10% every subsequent year. Use promo code SAVE16. Ends June 22. T&Cs apply*. Find out more.
Budget Direct Dog Insurance
$1,500
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80%
$12,000
Apply online and get 15% off your first year’s premium. T&Cs apply.
Knose Dog Cover
$25,000
$25,000
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PIA Major Medical Cover
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Vets Choice Elite Cover
$2,500
$15,000
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100%
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Get a 5% discount when you insure more than one pet.
Kogan Pet Luxury Cover
$2,000
$15,000
80% or 65%
80% or 65%
$15,000
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$2,500
$12,000
100%
100%
$12,000
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
$2,300
$15,000
N/A
N/A
$15,000
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$1,500
$25,000
100%
100%
$25,000
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
RSPCA Ultimate Plus Accident and Illness Cover
Up to $20,000 annual limit
$20,000
80%
80%
$20,000
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.
Guide Dogs Premium Care
$2,000
$20,000
85%
85%
$20,000
Get 1 month free pet insurance when you sign up for cover with Guide Dogs. T&Cs apply.
PetSecure Accident and Illness Cover
$500
$12,000
75% or 85%
75% or 85%
$12,000
Your pet is covered for life.
Real Premium Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Covers an extensive range of illnesses and accidents, including an optional Routine Benefit add-on. Get 10% of premiums back in the first 12 months.
Guardian Platinum Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
No joining fee to pay.
Prime Sovereign Accident & Illness Cover
$1,200
$14,000
85%
85%
$14,000
With guaranteed renewal you can protect your pet for life.
Australian Seniors Top Accident & Illness Cover
$1,200
$12,000
80%
80%
$12,000
Extra benefits such as overseas cover for your pet, plus an optional routine care add-on.
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