Kogan 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
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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
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).
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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Looking for other options? Check out these similar products.
How we picked these
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 $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, Kogan Pet Insurance include treatments for conditions such as gingivitis, abscesses, and dental disease.
Live Vet Support. Kogan Pet 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 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: 2 days
Specified illnesses: 30 days
Cruciate ligament conditions*: 6 months
Specified dental conditions: 6 months
Routine care items: None
Emergency boarding: None
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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