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HCF Pet insurance

HCF Pet Insurance offers policies designed to provide comprehensive coverage for your pets’ healthcare needs. With options for both premium and essential coverage, HCF ensures that pet owners can select a plan that fits their budget while still offering strong protection for accidents and illnesses. The optional extras such as routine care and alternative therapy allow for a tailored approach to your pet’s health needs.

 
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3.7

Furbaby Expert’s Score

Details of the company

Name

HCF Pet Insurance

Address

6 MacArthur Ct, Brisbane, AU

Phone number

1800 630 681

Accidental injury

Yes

Routine care

Optional (depending on the plan)

Lifetime cover

Yes

Reimbursement rate

Up to 80%

Cooling off period

21 days

Excess options

$500 (if hospitalized for 5 or more consecutive days)

Emergency boarding

Yes

Consultations, vet visits

Included

What's good about HCF Pet Insurance

HCF Pet Insurance provides both premium and essential coverage options, allowing pet owners to choose a plan that meets their needs. The comprehensive coverage includes options for routine care, alternative therapies, and even third-party liability, making it a versatile choice for pet owners looking for more than just basic coverage. The policies offer up to 80% reimbursement of eligible vet bills, with high annual benefit limits to cover major medical expenses.

  • Coverage for cats
  • Coverage for dogs

Why should we choose HCF Pet Insurance?

HCF Pet Insurance believes that one of the struggles of pet owners is finding the right pet insurance. An in Australia, 9 out of 10 pets are not insured. So, HCF Pet Insurance goes to the rescue.

Pros

  • High annual benefit limits ($12,000 for Premium)
  • Optional coverage for routine care and alternative therapy
  • Up to 80% reimbursement of eligible vet bills
  • Comprehensive cover options

Cons

  • Excess applies under certain conditions (Premium)
  • Limited optional extras for Essential plan
  • Pre-existing conditions are not covered

Location

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Rating

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2.2

64 reviews

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3 reviews

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HCF Pet Insurance Reviews on Other Locations

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HCF Pet Insurance Reviews

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Pet Insurance Policies Offered by HCF Pet Insurance

The insurance quotes and policies listed are subject to change. For the most accurate and up-to-date information, please refer directly to the provider’s website.

Policy

Coverage

Annual limit

Benefit percentage

Excess

Optional extra benefit?

HCF Pet Premium

Accidental Injury & Illness

$12,000

Up to 80%

$500 (if hospitalized for 5+ days)

Routine care, alternative therapy, third-party liability

HCF Pet Essential

Accidental Injury & Illness

$8,000

Up to 80%

Not applicable

Limited to some major events and accidents

Annual Premiums

For Dogs
Breed
1 year old
5 year old
Cavoodle

$85.38

$124.55

Labrador

$125.00

$173.20

Staffordshire Bull Terrier

$109.75

$150.49

For Cats
Breed
1 year old
5 year old
Domestic Shorthair Cat

$69.27

$80.56

British Shorthair

$84.69

$97.57

What pet parents say about HCF Pet Insurance

Susan S. This policy kept our Molly alive for 17 years – HCF Insurance has meant that with all the problems our Molly had we could have our great Vet fix it . Claims were paid promptly and accurately as set out in the policy. I cannot praise HCF Pet Insurance enough in providing comfort to us to care for Molly in her best interests. Thankyou.
Source: Product Review
Kylie S HCF Pet insurance works for us – Claims are processes quickly and easily and staff are always happy to help and friendly. My cover is reviewed and explained clearly. I have been a customer with this policy for 7 years.
Source: Product Review
Sam J Great customer service, easy to use portal, caring staff – Love my insurance with PetSure. Claiming is easy. The online portal is simple to use. Customer Care is very helpful. Katrina was able to help me today and we ended up with a better result than I was expecting. The staff genuinely care about animals and what to help their customers provide the best care for their pets. Would definitely recommend it.
Source: Product Review
David G The HCF Pet Insurance Rip-Off – Be aware of the HCF Pet Insurance rip off. Unlike many other pet insurance plans there is a $2,600 "sub-limit" for cruciate ligament injuries that doesn't go anywhere near covering the cost of surgery, which is well over $5,000. Signing up for pet insurance unless one has experience, they'd never know how terrible the "benefits" are from HCF Pet Insurance and how little they pay. It is a rip off. After close to 10 years with one dog and maybe only one other claim, and 2 or 3 years with my other, I'm very dissatisfied. Most other pet insurance companies do not have sub-limits for injuries such as to a cruciate ligament. Be aware.
Source: Product Review
beezee Massive second year premium increase despite no claims – We are long term HCF members but now, for the first time, I wouldn't recommend them to friends. We've had their human health insurance with them for about 15 years and for roughly 11 of those we've also had our pet insurance through them as well. Much of that time was with our old dog who we kept with them until she passed. Last year we got a new puppy and immediately signed up for pet insurance. He is now 1 year old and completely healthy. No claims at all in the last year and no hint of illness. We just got our second year premium and it has increased by $150 a year. Pet insurance for a perfectly healthy 1 year old dog is now $56.74 a month. We apparently get a 15% "loyalty" discount so their standard premium is coming in at $65.25 per month. If I do a new customer quote online the price is $35.97...
Source: Product Review
Laura Great Value and Peace of Mind The price is good, especially with the existing HCF member discount. The real standout is the 24/7 Vet on-call service. I had a scare yesterday and was connected to a vet in under two minutes. Knowing that support is included and so easily accessible is priceless. Highly recommend!
Source: Product Review

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    FAQs about HCF Pet Insurance

    Still have a few things you’d like to clear up about HCF pet insurance? We’re here to help!

    HCF Insurance Portal from any device

    Injury: No waiting period for specified accidental injuries

    Illness: 30 days for illness cover

    Specified Conditions: 6 months for cruciate ligament conditions

    Network: Any licensed vet in Australia

    Accessibility: Direct payment to vets is available, reducing out-of-pocket expenses

    Online Chat

    Phone Support: Available Monday to Friday 8am to 8pm AEST

    Optional coverage for routine care, alternative therapy, and third-party liability (Premium plan)

    Promotional offers and discounts mentioned may vary and are subject to change. For the most current promotions, please visit the provider's website directly.

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