Kogan Pet Insurance Review
- Maximum yearly benefit
- $15,000
- Reimbursement rate
- 80% up to age 8 & 65% over age 8
- Routine Care
- Optional
Summary
Kogan pet insurance is good if you want a budget-friendly policy with some generous limits.
Pros
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Its $15,000 annual benefit isn't market-leading, but it's better than several other budget policies including Budget Direct, Coles and Real.
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Its $2,000 paralysis tick benefit is also more generous than most other insurers on Finder.
Cons
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Its most comprehensive policy doesn't automatically cover routine dental — you'll need to pay more if you want it included.
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Its 80% reimbursement rate is similar to many other insurers, though some, including Knose, Coles and Petsy, offer more.
Details
Key Details
| Product Name | Kogan Pet Luxury Cover |
| Accidental injury | |
| Routine Care | Optional |
| Lifetime Cover | |
| Reimbursement rate | 80% up to age 8 & 65% over age 8 |
| Annual Benefit | $40 on either vaccination or health check, flea/tick/worm control or heartworm control. Plus $80 for one other treatment. |
| Cooling Off Period | 21 days |
| Cruciate Ligament Benefit | $2,600 |
| Excess options | Choice of $0 , $50 and $100 |
| Emergency Boarding | $1,000 |
| Consultations and Vet Visits | $300 |
Eligibility
| Minimum Age (Weeks) | 8 |
| Maximum Entry Age (Years) | 8 |
Discounts
| Multi-Pet Discount | N/A |
Compare pet insurance from Kogan
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You pay the same price as buying directly from the pet insurer.
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We're not owned by an insurer (unlike other comparison sites).
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We don't ask for your phone or email.
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We've reviewed over 35 policies on the market, so you don't have to.
Kogan pet insurance policy options
Indoor Cat Cover
Indoor Cat Cover is the simplest policy; it's a low-cost option for those who want protection against particular illnesses and diseases that felines are prone to.
Pet Primary Cover
Pet Primary Cover focuses on injuries and accidents, covering up to 80% of eligible vet bills and other such mishaps such as snake bites or tick paralysis.
Pet Value Cover
This is one step up from primary cover, covering injuries and accidents as well as specific illnesses, including cancer, bladder stones and eye trauma.
Pet Luxury Cover
Pet Luxury Cover is the most comprehensive policy. Insuring against accidents and illnesses with up to $15,000 annual claim limit, it gives you and your pet protection against any bumps or bruises, serious or otherwise.
🏥 What does Kogan pet insurance cover?
Here's an overview of what's included with a Kogan pet insurance policy.
Accidental injuries
All of Kogan's policies cover accidental injuries. They can pay up to 80% of vet bills if your pet is involved in an injury such as:
- Motor vehicle incident
- Burns
- Electrocution
- Traumatic ligament or tendon injury
- Bone fracture
- Snake bite
Illnesses
- Cancer
- Elbow and hip dysplasia
- Patella luxations
- Diabetes
- Poisioning
- Renal disease
- Outter and inner ear infections
- Gastrointestinal problems
- Arthritis
For the full list of covered illnesses, check the current Product Disclosure Statement (PDS) on the provider site.
Routine Care
- Desexing
- Microchipping
- Heartworm control
- Teeth cleaning
- Vaccinations
- Prescription diets
- Obedience training
Kogan pet insurance costs
To help give you an idea about costs for Kogan pet insurance, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed and age, and your address, so it's always worth comparing policies and getting a few quotes.
| Dog Breed | 1yr old | 5yr old |
|---|---|---|
Maltese Cross | $902.03 | $1,727.03 |
Cavoodle | $975.46 | $1,832.17 |
Labrador | $1,333.99 | $2,573.17 |
Staffordshire Bull Terrier | $1,166.07 | $2,245.97 |
Border Collie | $1,166.07 | $2,245.97 |
Prices will differ based on a few criteria, including:
- The gender, breed and age of your pet
- The level of cover you choose
- Your excess
- Your locations
- If your pet is desexed.
Compare other products from Kogan
- Kogan credit cards
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- Kogan life insurance
- Kogan landlord insurance
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No hassles
I’ve had no problems with claims. Bought with routine care and refunds were prompt and easy to submit online. They were half the price of any other insurer and included more in their package as well. Plus heaps of perks with Kogan credits when I Signed up.
It covers the cost of veterinary unlimited. And the medical treatment almost free excluding some waiting period.
It’s effective and affordable
It's good to
