It's good if you're a HCF member — you can get 15% off.
You can also get 10% off for insuring more than one pet.
Its policies are straightforward and easy to understand. It comes with accident and accident and illness cover options.
Cons
It comes with an 80% reimbursement rate, which is what you'll find with the majority of pet insurance providers. A handful of insurers like Knose and Vets Choice do more than that though.
HCF pet insurance is not currently available via Finder. But don't fret! You can head to their website at www.hcf.com.au for more information or compare a bunch of other pet insurance companies with Finder.
HCF's Pet Essentials and Premium plans both cover specified accidental injuries. This can help pay for vet bills (including surgery) related to:
Bone fractures
Motor vehicle incidents
Snake bite toxicity
Fight wound abscesses
Illnesses
HCF's Premium cover is the only policy to cover illnesses (as well as accidents). You'll have to wait 30 days from taking out a policy before you're covered and six months for cruciate ligament injuries – this is standard among most insurers. It can help pay for:
Cancer treatment
Skin conditions
Ear/eye conditions
Gastrointestinal problems
Ingestion of a forgein object
Intervertebral disc disease (IVDD)
Hereditary and congenital conditions (but not pre-existing conditions)
Routine Care
You can get routine care cover added on to an HCF Premium policy. This type of cover is designed to help pay for common preventative treatments your pet often needs such as:
Desexing
Microchipping
Heartworm control
Vaccinations or health checks
Teeth cleaning
👥 HCF pet insurance reviews
We looked at HCF customer reviews on Finder and productreview.com. Here's a summary of how it did.
It's had a handful of positive reviews on productreview that suggest it's been a good pet insurer for some for many years.
It has a relatively low rating of 2.1 on productreview but this is only based on 55 reviews.
If you're a previous or existing customer of HCF pet insurance, we'd love to hear from you! Leave a quick review here.
HCF pet insurance FAQs
To make a HCF Pet Insurance claim, follow these steps:
You must first ensure that you carefully and honestly complete and sign your claim form before submitting it to HCF within 90 days of the treatment being claimed.
First time claimers, must provide a full veterinary history from your current vet and all previous veterinarians who have treated your pet in the past.
Have your vet complete and sign the appropriate section of the form before sending it in; and finally, ensure that
All original itemised invoices and payment receipts must be attached and sent in with your claim form.
Pre-existing conditions – refers to any medical condition, your pet shows signs or symptoms of before your insurance commencement date or during any applicable Waiting Period.
Dental Care – refers to dental disease and procedures, gingivitis and treatment of teeth fractures, teeth cleaning and scaling and removal of deciduous or fractured teeth or any oral disease.
Day-to-Day Care – includes but is not limited to, regular prescription drugs, preventative procedures, grooming and bathing or treatment while your pet is being used for commercial or occupational purposes.
Certain Treatments and Conditions – that won't be covered include medication not approved or listed by the APVMA, breeding or obstetrics, cell-replacement therapies and inconclusive diagnosis.
Certain Services & Procedures – such as transport or boarding expenses, ambulance fees, house calls and genetic/chromosome testing.
Elective Procedures – refers to any routine examinations, cosmetic procedures and experimental treatments or therapies.
Pet insurance policies provided are only available for cats and dogs. Cats and dogs used for commercial purposes such as security and racing are not eligible for cover.
HCF will cover all cats and dog as young as 8 weeks old and younger than 9 years old under their Premium cover option.
Yes, however, they will only be covered for conditions that arise after your insurance Commencement Date and only to the terms and conditions stated in your policy.
What do Australians think of HCF pet insurance brand?
3.78/5 overall for Customer Satisfaction — lower than the average of 4.15, and this was the lowest score in the category
3.57/5 for Trust — lower than the average of 4.39, and this was the lowest score in the category
3.95/5 for Customer Service — lower than the average of 4.16, and this was the lowest score in the category
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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