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?
|Motor vehicle incident|
|Burns and electrocution|
|Allergic reaction to an insect bite|
|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|
|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 134 060 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.