There's two different plans to choose from with Bupa – good for price flexibility.
You can get optional cover for dental illness and teeth cleaning which not many other insurers offer.
It's good if you're with Bupa. All Bupa health members get 10% off.
Cons
Bupa's annual benefit cap of $20,000 is one of the higher limits on the market. That said, Petsy and a couple others go as high as $25,000.
Its paralysis tick benefit of $1,500 is bettered by the likes of Coles, Bow Wow Meow and Knose.
What pet insurance plans does Bupa offer?
Bupa offers two different tiers of pet insurance coverage, each covering different treatments and conditions.
Standard cover: This policy will suit people who want cover for specified accidental injuries and illnesses. It also covers up to 80% of eligible vet bills, up to a yearly limit of $12,000. Routine care is available as an option.
Ultimate cover: This policy is good for people who want cover for a wider range of accidental injuries and illnesses for their dog or cat. Up to 80% of eligible vet bills are covered, up to a yearly limit of $20,000. Routine care, alternative treatment, and major dental are all available as options.
We don't currently have this brand on our panel. But don't fret! You can head to the Bupa pet insurance website or compare a bunch of other pet insurance companies with Finder.
Bupa offers two different levels of cover for applicants to choose from: Standard and Ultimate. Here's a quick breakdown of what they can cover your pet for.
All Bupa policies cover accidental injuries. They can pay you 80% of vet bills and cover you for between $12,000 and $20,000 a year. A policy can cover you for accidents such as:
Motor vehicle incidents
Burns or electrocution
Bone fractures
Snake bite toxicity
Traumatic ligament or tendon injuries
Illnesses
Two of Bupa's policies cover illnesses: Standard and Ultimate. They come with a $12,000 and $20,000 annual benefit limit and can pay you 80% of eligible vet bills for illnesses including:
You can pay extra to have Routine Care included in your Standard or Ultimate policy. There's no waiting periods and it can pay for items such as:
Desexing
Microchipping
Heartworm control
Teeth cleaning
Vaccinations
Bupa pet insurance FAQs
Here's how to make a Bupa pet insurance claim online:
Upload a copy of your consultation notes and itemised invoice to the company's system, via the customer portal.
A full medical history is required if you are filing a claim for the first time.
Adoption papers must accompany your invoice for pets who were adopted.
To submit your claim by mail, you must first
Print the claim form online and complete it; then
Have your vet complete Section 2 and, along with your vet, sign the assigned areas.
Mail the complete form with itemised invoices, payment receipts and consultation notes to:
Bupa's Standard policy comes with a $12,000 and Ultimate has a $20,000 limit. All policies can cover up to 80% of vet bills.
No, unless you want to. All policies come with $0, $100 and $200 excess options.
There is a 30 day waiting period for conditions covered under the illness and alternative therapy and tick paralysis section; while there is a 6 month waiting period for cruciate ligament conditions and dental illnesses.
What do Australians think of Bupa pet insurance brand?
4.27/5 overall for Customer Satisfaction — higher than the average of 4.15
4.71/5 for Trust — higher than the average of 4.39
4.14/5 for Customer Service — lower than the average of 4.16
We currently don't have a partnership for that product, but we have other similar offers to choose from (how we picked these
):
👥 Bupa pet insurance reviews
We looked at Bupa customer reviews on Finder and productreview.com which go back 5 years from August 2021. Here's a summary of how it did.
Customers are generally very happy with their Bupa policies. It currently has a 4.3 rating on Finder and most reviews on productreview.com are positive.
Not all customers have been happy with Bupa pet insurance's service. Over 35 people gave it 1 star on productreview.com.
Why compare pet insurance with Finder?
You pay the same price as buying directly from the pet insurer.
We're not owned by an insurer (unlike other comparison sites).
We don't ask for your phone or email.
We've reviewed over 35 policies on the market, so you don't have to.
Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
Gary Ross's expertise
Gary Ross has written 644 Finder guides across topics including:
Accident only pet insurance will protect your pet from a range of accidents including getting hit by a car, being bit by a snake and even eating things they shouldn’t be eating.
Find out what will impact your pet insurance premium and receive quotes from Australian pet insurance brands. Key steps to reduce what you pay for cover.
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