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Kogan Pet Insurance Review
Kogan pet insurance is good if you want a budget-friendly policy with some generous limits.
$15,000
Maximum yearly benefit
80% up to age 8 & 65% over age 8
Reimbursement rate
Optional
Routine Care
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Details
| Product Name | Kogan Pet Luxury Cover |
|---|---|
| Accidental Injury | |
| Routine Care | Optional |
| Lifetime Cover | |
| Reimbursement rate | 80% up to age 8 & 65% over age 8 |
| Annual Benefit | $40 on either vaccination or health check, flea/tick/worm control or heartworm control. Plus $80 for one other treatment. |
| Cooling Off Period | 21 days |
| Cruciate Ligament Benefit | $2,600 |
| Excess options | Choice of $0 , $50 and $100 |
| Emergency Boarding | $1,000 |
| Consultations and Vet Visits | $300 |
Pros
- It offers flexible reimbursement rates (65%, 70% and 80%) which is good if you want to pay cheaper premiums (opt for the lower reimbursement rates).
- 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.
Cons
- Its most comprehensive policy doesn't automatically cover routine dental — you'll need to pay more if you want it included.
- Its 80% reimbursement rate is similar to many other insurers, though some, including Knose, Coles and Petsy, offer more.
Deal
1st month free + $10 credit
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
Compare pet insurance from Kogan
Well done, Kogan
Kogan pet insurance ranked in third place for Customer Satisfaction in 2023, gaining an overall score of 4.28/5. 89% of customers surveyed said they would recommend Kogan pet insurance.
Full list of 2023 winnersWhy compare pet insurance with Finder?
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You pay the same price as buying directly from the pet insurer.
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We're not owned by an insurer (unlike other comparison sites).
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We don't ask for your phone or email.
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We've reviewed over 35 policies on the market, so you don't have to.
Kogan pet insurance policy options
Indoor Cat Cover
Indoor Cat Cover is the simplest policy; it's a low-cost option for those who want protection against particular illnesses and diseases that felines are prone to.
Pet Primary Cover
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
This 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
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.
🏥 What does Kogan pet insurance cover?
Here's an overview of what's included with a Kogan pet insurance policy.
Accidental injuries
All of Kogan's policies cover accidental injuries. They can pay up to 80% of vet bills if your pet is involved in an injury such as:
- Motor vehicle incident
- Burns
- Electrocution
- Traumatic ligament or tendon injury
- Bone fracture
- Snake bite
Illnesses
If your pet gets sick, Knose's Luxury, Value and Indoor Cat policies can pay up to 80% of eligible vet bills for illnesses such as:
- Cancer
- Elbow and hip dysplasia
- Patella luxations
- Diabetes
- Poisioning
- Renal disease
- Outter and inner ear infections
- Gastrointestinal problems
- Arthritis
For the full list of covered illnesses, check the current Product Disclosure Statement (PDS) on the provider site.
Routine Care
You can add routine care onto your Kogan pet insurance policy. This can cover preventative treatments such as:
- Desexing
- Microchipping
- Heartworm control
- Teeth cleaning
- Vaccinations
- Prescription diets
- Obedience training
Kogan pet insurance costs
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 your own dog's breed and age, and your address, so it's always worth comparing policies and getting a few quotes.
| Dog Breed | 1yr old | 5yr old |
|---|---|---|
| Maltese Cross | $817.24 | $1,562.63 |
| Cavoodle | $883.53 | $1,657.74 |
| Labrador | $1,207.53 | $2,327.63 |
| Staffordshire Bull Terrier | $1,056.15 | $2,032.81 |
| Border Collie | $1,056.15 | $2,032.81 |
Why you can trust Finder's pet insurance experts
We're free
You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
We're experts
Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.
