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Kogan Pet Insurance Review

Kogan pet insurance is good if you want a budget-friendly policy with some generous limits.

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Kogan Pet Insurance
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Gary Hunter
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You may be familiar with Kogan's electronics and household goods but the brand also offers protection for your pet. Kogan pet insurance policies are issued by The Hollard Insurance Company Pty Ltd, one of the biggest insurers in Australia. It offers four levels of cover: Indoor Cat Cover, Pet Primary Cover, Pet Value Cover and Pet Luxury Cover.

Our Verdict

  1. It offers flexible reimbursement rates (65%, 70% and 80%) which makes it good if you want to pay cheaper premiums (opt for the lower reimbursement rates).
  2. Its $15,000 annual benefit isn't market-leading, but it's better than several other budget policies including Budget Direct, Coles and Real. Its $2,000 paralysis tick benefit is also more generous than most other insurers on Finder.
  3. Its most comprehensive policy doesn't automatically cover routine dental — you'll need to pay more if you want it included.

Review by our insurance writer Gary Hunter

Compare pet insurance from Kogan

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Kogan Pet Luxury Cover
Kogan Pet Luxury Cover
$15,000
$2,000
80% or 65%
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Get quote
View details
Kogan Pet Value Cover
Kogan Pet Value Cover
$4,000
$1,200
70% up to age 8 & 65% over age 8
Sign up and get $50 Kogan.com Credit. T&Cs apply.
Get quote
View details
Kogan Pet Primary Cover
Kogan Pet Primary Cover
$8,000
$1,200
80%
Sign up and get $50 Kogan.com Credit. T&Cs apply.
Get quote
View details
Kogan Indoor Cat Cover
Kogan Indoor Cat Cover
$5,000
No
80% up to age 8 & 65% over age 8
Sign up and get $50 Kogan.com Credit. T&Cs apply.
Get quote
View details
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See some prices for Kogan

To help give you an idea about costs for Kogan 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 you're own dogs breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$708.90$1259.72
Cavoodle$765.62$1336.15
Labrador$1045.47$1873.71
Staffordshire Bull Terrier$914.17$1635.96
Border Collie$914.17$1635.96

What policies are offered by Kogan?

Kogan pet insurance provides several policy options, each tailored to your pet and their personality, allowing you to get the right fit for your pet regardless of whether they’re a house-dweller or outdoor explorer.

Indoor Cat Cover is the simplest policy; it’s a low-cost option for any pet who shuns the outdoors in favour for a cozy lap, or even the whole couch (if it can get away with it). This policy is for those who want protection against particular illnesses and diseases that felines are prone to.

Pet Primary Cover focuses on injuries and accidents, covering up to 80% of eligible vet bills and other such mishaps such as snake bites or tick paralysis.

Pet Value Cover is one step up from primary cover, covering injuries and accidents as well as specific illnesses, including cancer, bladder stones and eye trauma.

Pet Luxury Cover is the most comprehensive policy. Insuring against accidents and illnesses with up to $15,000 annual claim limit, it gives you and your pet protection against any bumps or bruises, serious or otherwise.

How do policies compare?

Indoor Cat CoverPet Primary CoverPet Value CoverPet Luxury Cover
Ingestions & Toxicity
  • Yes
  • Yes
  • Yes
  • Yes
Cancer
  • Yes
  • No
  • Yes
  • Yes
Elbow and Hip dysplasia
  • No
  • No
  • Yes
  • Yes
Patella Luxations
  • No
  • No
  • Yes
  • Yes
Intervertebral Disc Disease
  • No
  • Yes
  • Yes
  • Yes
Diabetes
  • Yes
  • No
  • No
  • Yes
Arthritis
  • Yes
  • No
  • No
  • Yes
CT Scan & MRIs
  • Yes
  • Yes
  • Yes
  • Yes
Consultation fees
  • $300
  • $300
  • $300
  • $300
Emergency boarding
  • $500
  • $500
  • $500
  • $1,000
Tick paralysis sub-limit
  • No
  • $1,200
  • $1,200
  • $2,000
Cruciate ligament condition
  • No
  • $2,600
  • $2,600
  • $2,600
Overseas pet travel
  • Yes
  • Yes
  • Yes
  • Yes

What’s covered?

While each policy is different, there are a few things you can expect to be covered in any policy you choose. Vet consultation fees are covered to a limit of $300 annually. Annual limits also apply to other items such as emergency boarding costs and overseas pet travel. Indoor Cat Cover focuses on illnesses specific to our feline friends, but all other policies cover injuries and accidents, tick paralysis and cruciate ligament conditions, as well as motor vehicle accidents. As flexibility is Kogan’s catch phrase in pet insurance, be sure to read each policy carefully to make sure your pet is getting the best.

What isn’t covered?

Each policy will have its own specific exclusions, but general exclusions in all policies are:

  • Pre-existing conditions
  • Issues resulting from breeding or obstetrics
  • Dental treatments
  • Elective or preventative care
  • Alternative therapies
  • Non-essential items (food, cages, collars, treats, toys, etc)

Frequently asked questions

How do I make a claim?

Should you need to make a claim, you can do so through Kogan’s user-friendly website. Simply log in and follow the prompts.

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