Pet Insurance with Kogan Insurance Review

With flexible annual limit options and unique benefits, Pet Insurance with Kogan Insurance is worth considering.

Kogan Pet Insurance

Key takeaways

  • Pet Insurance with Kogan Insurance offers one pet insurance policy, giving customers the flexibility to tailor their cover to suit their needs and budget.
  • All policies offer a reimbursement rate of 70%, 80% or 90%.
  • Kogan’s Platinum policy has an annual limit of $35,000.

Pros

  • Tailor your policy with a choice of annual limit, a 70%, 80% or 90% benefit percentage and your excess.
  • The excess is annual rather than per claim, so once it's paid you won't pay it again that policy year.
  • Handy perks including 24/7 Live Vet access and $10 off a $100+ Kogan.com purchase every month your policy is active.

Cons

  • Dental conditions and behavioural conditions are only covered if you add the optional Booster Care benefit.
  • Your pet must be under 9 years old when you first take out the policy.

Compare pet insurance from Kogan

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
$7,500, $20,000 or $35,000
No sub-limit
70%, 80% or 90%
Discount: Get 2 months free when you purchase Kogan Pet Insurance. Sign up using promo code 2MFREE. Offer ends 06 Feb 2028. T&Cs apply.
Kogan Insurance partners with award winning pet insurance provider, Petinsurance.com.au.
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Get 2 months free

Ends 06 February 2028

Get 2 months free when you purchase Kogan Pet Insurance. Sign up using promo code 2MFREE. Offer ends 06 Feb 2028. T&Cs apply.

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What will Pet Insurance with Kogan Insurance not cover?

Every pet insurance policy will have a list of general exclusions, which customers should be aware of. Pet Insurance with Kogan Insurance will not provide cover for items, such as:

  • Pre-existing conditions
  • Hereditary conditions and congenital conditions
  • Chronic conditions
  • Claw removal
  • Medicated baths and shampoos
  • Breeding or obstetrics
  • Neglect
  • Elective treatments and procedures
  • Any flea/tick/worm preventative treatments
For a full list of exclusions, please review the policies product disclosure statement (PDS).

Why choose Pet Insurance with Kogan Insurance?

Pet Insurance with Kogan Insurance provides several specific benefits and limits that distinguish it within the Australian market.

  • High annual benefit limits. The Platinum Cover offers a $35,000 annual benefit limit. This is objectively higher than the limits found on other standard comprehensive policies.
  • Included dental illness benefit. Under the optional Booster Care cover, Pet Insurance with Kogan Insurance include treatments for conditions such as gingivitis, abscesses, and dental disease.
  • Live Vet Support. Pet Insurance with Kogan Insurance customers have 24/7 access to experienced vets via Live Vet, giving Aussies fast peace of mind when they need it most.
  • Ongoing discounts. So long as your policy is active, you'll receive $10 off a purchase of $100 or more at Kogan.com once a month.

How to submit a Pet Insurance with Kogan Insurance claim

Claims are managed through the online customer portal. The following steps are required to lodge a claim for reimbursement:

  1. Access the portal. Go to the Kogan customer portal via a web browser. There is currently no standalone mobile application, so you must log in using your account credentials on their website.
  2. Gather documentation. You must have an itemised tax invoice from your veterinarian showing the treatment date and the total amount paid.
  3. Upload documentation. Upload digital copies or clear photographs of the itemised invoice and the corresponding veterinary consultation notes. The system requires these files to be legible to avoid processing delays.
  4. Enter claim details. Input the specific details regarding the condition being treated, the date of the vet visit, and the total cost. You will be asked to confirm which pet the claim is for if you have multiple animals on the policy.
  5. Submit for assessment. Review the uploaded documents and the data entered for accuracy. Once submitted, the claim is sent to the administrator for review against the policy terms and waiting periods.

Frequently asked questions

Ceyda Erem's headshot

Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

Ceyda's expertise
Ceyda has written 243 Finder guides across topics including:
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