Furbaby Insurance

HCF pet insurance

2.9
2.9 out of 5 stars (based on 14 reviews)

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About HCF Pet Insurance

As Australia’s largest not-for-profit health fund, we’re not like the others. When there’s no shareholders to answer to, we can focus on what matters. Putting the health and wellbeing of over 2 million members first. From humble beginnings in 1932, members have trusted us with their health and wellbeing and in return we’ve invested in their lives, providing quality cover and healthcare that’s right for them. We want to make a positive difference to the lives of our members, our people and our communities by making healthcare more affordable and accessible. As a not-for-profit fund, we’ve paid out more benefits than the industry average, for every dollar our members paid in premiums over the last 10 years*

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HCF Pet Insurance Reviews from Australian Pet Owners

Don’t recommend. Giant price hike in second and third year of the policy.

December 17, 2025

Although the app was simple to use and claims were paid quickly, the price went up by $600 over two years, from ~$950 to over $1,500. In the first year I did make some claims, one for cherry eye surgery and a scan but no claims in the second year. I felt like the company offered an attractive price in year 1 to get you in and then hiked the price. They ‘warned’ me that if I left I would not be covered by preexisting conditions. I have been with HCF health insurance for our family for 30 years but the pet insurance division is HCF in name only, it’s actually owned by another company and is for profit, unlike HCF person health insurance.

Avatar for TedsMum
TedsMum

Don't use this company, find others

December 17, 2025

Significant price hikes year on year of over 20%. They also sit on claims and reimbursement without processing the money back..have been with the company for over 8 years and they now want $235 per month for coverage, crazy stuff

Avatar for TEK
TEK

The reviews displayed on this page include reviews submitted directly to Furbaby as well as reviews collected from publicly available third-party review platforms. Each review is clearly labeled with its source. Third-party reviews are referenced for informational purposes only and are not owned by Furbaby. All third-party reviews remain the property of their original authors and the platforms on which they were posted. We have reproduced these reviews as they appear in the public domain to help pet owners make informed decisions about pet insurance providers.

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