Kogan Pet Insurance Review
Kogan pet insurance is good if you want a budget-friendly policy with some generous limits.
Key takeaways
- Kogan offers luxury, indoor cat and general pet cover options.
- Its inclusions are relatively generous.
Pros
- Its $15,000 annual benefit isn't market-leading, but it's better than several other budget policies including Real, Guardian and Vets Choice.
- 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.
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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.
| Dog breed | 5-year-old |
|---|---|
| Dachshund | $3,111.86 |
| Staffordshire Bull Terrier | $2,105.39 |
| King Charles Cavalier Spaniel | $2,391.63 |
| Greyhound | $3,119.12 |
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
Sources
More resources on Finder
More guides on Finder
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