Kogan offers three levels of cover for dogs and two for cats, helping you find the right option for your needs and budget.
All policies offer a reimbursement rate of 80%.
Kogan’s Platinum policy has an annual limit of $30,000.
Pros
Annual limit of $30,000 for its highest policy tier. While it’s not the highest limit on the market, it is a substantial amount.
No sub-limit for tick paralysis on Kogan Platinum Cover.
Option to add-on routine care, such as teeth cleaning and vaccinations, to provide further healthcare for your pet.
Cons
Flat 80% reimbursement rate. Many insurers give you the flexibility to choose your reimbursement rate.
Silver Cover only available for dogs.
Compare pet insurance from Kogan
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How we picked these
Finder Score for pet insurance
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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What will Kogan pet insurance not cover?
Every pet insurance policy will have a list of general exclusions, which customers should be aware of. Kogan Pet 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
Cancer
Neglect
Elective treatments and procedures
Any flea/tick/worm preventative treatments (unless added under Routine Care)
For a full list of exclusions, please review the policies product disclosure statement (PDS).
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 breed, age and your address, so it's always worth comparing policies and getting a few quotes.
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Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Premium Care & Comprehensive Care
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.
Why choose Kogan Pet Insurance?
Kogan Pet Insurance provides several specific benefits and limits that distinguish it within the Australian market.
High annual benefit limits. The Platinum Cover offers a $30,000 annual benefit limit. This is objectively higher than the limits found on other standard comprehensive policies.
No sub-limit for tick paralysis on Platinum cover. While the Silver and Gold tiers have specific sub-limits for tick paralysis, the Platinum Cover allows you to claim for this condition up to the full $30,000 annual limit. This is a significant feature as many competitors cap tick treatment at $2,000 to $3,000.
Included dental illness benefit. Platinum Cover include treatments for conditions such as gingivitis, abscesses, and dental disease. This benefit is often an optional add-on or entirely excluded in lower-tier or basic pet insurance plans.
Overseas travel coverage. The policy provides coverage for veterinary expenses incurred while your pet is traveling with you in New Zealand or Norfolk Island for up to 60 days. This is a standard inclusion that allows for consistent protection during short-term regional travel.
Multiple pet discount. If you choose to insure more than one pet, a 10% multi-pet discount is applied to the premium of each additional policy.
How to submit a Kogan Pet Insurance claim
Claims are managed through the online customer portal. The following steps are required to lodge a claim for reimbursement:
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.
Gather documentation. You must have an itemised tax invoice from your veterinarian showing the treatment date and the total amount paid.
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.
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.
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
Depending on what you need to claim for, Kogan Pet Insurance has the following waiting periods:
Specified accidental injuries: days
Specified illnesses: 21 days
Cruciate ligament conditions*: 6 months
Specified dental conditions: 6 months
Routine care items: None
Emergency boarding: None
*Kogan is willing to waive the cruciate ligament condition, so long as your vet sends a completed Cruciate Ligament Exam Form within 14 calendar days, certifying your pet was examined at your expense on or after the commencement date of the first policy period. The evidence your vet provides will also need to meet Kogan's assessment criteria.
Each policy will have its own specific exclusions, but general exclusions in all Kogan policies are:
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.
Yes, Kogan offers policyholders a $10 Kogan.com Credit to spend on single purchases of $100 or more once a month. You’ll also be able to receive 2 months of free cover in your first policy year. This offer ends on 6 February 2028.
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.
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Find out what each of the 3 levels of pet insurance from Everyday covers.
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