HCF Pet Insurance Review

🏥 What does HCF pet insurance cover?

HCF offers the following pet insurance policies: Pet Essentials and Pet Premium. The latter comes with the option to add on routine care.

👥 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

• How do I make a HCF pet insurance claim?

  To make a HCF Pet Insurance claim, follow these steps:

  1. 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.
  2. 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.
  3. Have your vet complete and sign the appropriate section of the form before sending it in; and finally, ensure that
  4. All original itemised invoices and payment receipts must be attached and sent in with your claim form.

• What am I not covered for with HCF pet insurance?

  • 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.

• Does HCF cover all types of pets?

  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.

• At what age can I get insurance for my pet?

  HCF will cover all cats and dog as young as 8 weeks old and younger than 9 years old under their Premium cover option.

• Will my pet be covered for hereditary and congenital defects?

  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.

Compare alternative pet insurance policies

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Budget Direct Plus Cover				$3,000	$25,000	80%	80%	Apply online and get 15% off your first year's premium. T&Cs apply.	Get quoteView details Compare	loading Fetching your data...
Medibank Pet Max Cover with Extra Care				$30,000	$30,000	90%	90%	Medibank has a generous maximum yearly benefit of $30,000 and it includes some alternative therapy as standard, which is often an optional extra with many other providers. It also has a multi-pet discount of 5%. T&Cs apply.	Get quoteView details Compare	loading Fetching your data...
Everyday Comprehensive Plus Cover				$3,000	$30,000	80%	80%	Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.	Get quoteView details Compare	loading Fetching your data...
Knose Pet Insurance Finder AwardExclusive				$25,000	$25,000	90%	90%	⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.	Get quoteView details Compare	loading Fetching your data...
PIA Major Medical Cover				$3,000	$30,145	80%	80%	Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.	Get quoteView details Compare	loading Fetching your data...
Coles Premium Cover				$2,500	$15,000	80% or 100%	80% or 100%	Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.	Get quoteView details Compare	loading Fetching your data...
PD Deluxe Plan				$15,000	$20,000	100%	100%	Apply online and get your first 1 month free. T&Cs apply.	Get quoteView details Compare	loading Fetching your data...
Fetch Pet Insurance				$30,000	$30,000	80% or 90% or 100%	80% or 90% or 100%	Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.	Get quoteView details Compare	loading Fetching your data...
Pet Circle Dog Cover				$10K or $17.5K or $30K	$30,000	70% or 80% or 90%	70% or 80% or 90%	Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.	View details Compare	loading Fetching your data...
Vets Choice Elite Cover				$2,500	$15,000	80%	80%	Get a 5% discount when you insure more than one pet.	Get quoteView details Compare	loading Fetching your data...
Guardian Platinum Accident & Illness Cover				$1,200	$12,000	80%	80%	Lifetime cover for cats and dogs, up to 80% covered.	Get quoteView details Compare	loading Fetching your data...
Petsy Custom Cover Exclusive				$5000 or $10,000 or $25,000	$0	80% or 90%	80% or 90%	⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.	Get quoteView details Compare	loading Fetching your data...
Real Premium Accident & Illness Cover				$1,200	$12,000	80%	80%	Claim up to a maximum of $12k per year, with no excess to pay.	Get quoteView details Compare	loading Fetching your data...
RSPCA Ultimate Plus Accident and Illness Cover Best Rated Brand				$20,000	$20,000	80%	80%	Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.	Get quoteView details Compare	loading Fetching your data...

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Written by

Gary Ross Hunter

Editor, Insurance

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 682 Finder guides across topics including:

• Health, home, life, car, pet and travel insurance
• Managing the cost of living