Kogan Pet Insurance Review

Compare pet insurance from Kogan

Finder Score	Maximum Yearly Benefit	Paralysis Tick Yearly Sub-Limit	Reimbursement rate	Accidental Injury	Illness
Finder Score 7.2 Great Kogan Pet Luxury Cover	Finder Score 7.2 Great	$15,000	$2,000	80%			Get 2 months free. Sign up using promo code BARKFRIDAY. Offer ends 7 Dec 2025. T&Cs apply.	Continue More info Compare product selection Compare	loading
Finder Score Not scored yet Kogan Indoor Cat Cover	Finder Score Not scored yet	$5,000		80%			Get 2 months free. Sign up using promo code BARKFRIDAY. Offer ends 7 Dec 2025. T&Cs apply.	Continue More info Compare product selection Compare	loading
Finder Score 8.7 Great Kogan Pet Primary Cover	Finder Score 8.7 Great	$8,000	$1,200	80%			Get 2 months free. Sign up using promo code BARKFRIDAY. Offer ends 7 Dec 2025. T&Cs apply.	Continue More info Compare product selection Compare	loading

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We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.

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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, Kogan'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
• Poisoning
• Renal disease
• Outer 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.

• See how we got these annual prices

  • Pet: Dog
  • Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
  • DOB: 1 June 2020
  • Sex: Male
  • Policy: Luxury Cover

  • Quotes updated in July 2025
  • Desexed: Yes
  • Excess: $100
  • Owner's DOB: 1 May 1985
  • Address: New South Wales, 2011

Prices will differ based on a few criteria, including:

• The gender, breed and age of your pet
• The level of cover you choose
• Your excess
• Your location
• If your pet is desexed.

Frequently asked questions

• What waiting period do I need to serve with Kogan pet insurance?

  Waiting periods are 30 days for specified illnesses & 6 months for cruciate ligament.

• What am I not covered for with Kogan pet insurance?

  Each policy will have its own specific exclusions, but general exclusions in all Kogan 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.)

• How do I make a claim with Kogan pet insurance?

  You can submit a claim through Kogan's website. Simply log in to their online portal and follow the prompts. You'll need vet bill receipts and to answer a few questions about the incident.

• Can I get a Kogan discount when I take out pet insurance?

  Yes, you can get credit to spend on Kogan when you take out a Kogan pet insurance policy.

Written by

Gary Ross Hunter

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 589 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living