Bupa Pet Insurance Review
Bupa Pet Insurance extends the trusted Bupa brand, known for its healthcare expertise, to support pet owners in Australia. Administered by PetSure and underwritten by Hollard or PetSure (based on your policy start date), it offers reliable coverage for managing pet health expenses.
Bupa provides straightforward policies backed by established insurers, with clear terms, flexible options, and customer-focused support. Benefits include two months free, multi-pet discounts, and transparency in coverage and claims, giving pet owners peace of mind.
| 🔎 Company Name | 🥇 Bupa Pet Insurance |
| 📌 Founded | Introduced Pet Insurance in 2020; Bupa was founded in 1947 |
| 📍 Headquartered | Melbourne, VIC, Australia |
| 📌 Administered By | PetSure (Australia) Pty Ltd |
| 2️⃣ Number of Plans | Standard Cover, Ultimate Cover |
| 💶 Plans Price Range | Varies based on pet, pet’s age, etc. E.g. For a Labrador (2024): Standard - $30.15 per fortnight, Ultimate - $32 per fortnight |
| 🐶 Species Covered | Cats and Dogs |
| 🐱 Breed Restrictions | None mentioned |
| 🍼 Age Limits for Cover | Pets must be between 8 weeks to under 9 years old for new policies |
| 💵 Annual Maximum Cover | Standard: Up to $12,000, Ultimate: Up to $20,000 |
| 💷 Maximum Limit per Claim | Varies by condition and plan. For example, sub-limits apply to skin conditions or tick paralysis |
| ❤️ Routine Care Benefits | Available as an optional add-on under Standard and Ultimate plans, covering preventive treatments like vaccinations and desexing |
| 🩺 Diagnostic Testing Benefits | Covered under illness or injury treatment within benefit limits; specifics depend on the plan |
| 💊 Medication Benefits | Covered under illness and injury conditions; exceptions apply for non-prescribed or elective treatments |
| 🚑 Hospitalisation Cover | Included for accidents and illnesses, subject to the benefit limits |
| 🤕 Chronic Care Support | Chronic conditions are excluded unless classified as temporary (not recurring for at least 18 months) |
| 🤒 Accidental Cover | Immediate cover for specified accidental injuries (e.g., fractures, burns, bites) |
| 🌡️ Illness Cover | Available under Standard and Ultimate plans, covering cancer, skin conditions, and gastrointestinal issues |
| 🦷 Dental Care | Covered under Ultimate plan with the optional Major Dental add-on; includes conditions like gingivitis, abscesses |
| 🦴 X-ray Benefits | Covered as part of illness or accident treatment, within benefit limits |
| ⭐ Lifetime Cover | Lifetime cover as long as there's no break in the policy |
| ☎️ 24/7 Vet Advice Line | VetChat service is available, with up to 4 consultations per month |
| 🐈⬛ Multi-pet Discounts | 5% discount for insuring additional pets under the same policy |
| 💻 Online Claims Submission | Yes, via the Pet Portal or through GapOnly® for direct claims at participating vets |
Regulation and Administration
Bupa Pet Insurance is backed by a well-defined administrative structure that provides clarity and reliability for policyholders. While Bupa HI Pty Limited promotes and distributes policies, it operates as an authorized representative rather than the insurer.
The behind-the-scenes work – such as policy administration and issuance – is handled by trusted partners, PetSure and Hollard, equipped with Australian Financial Services Licenses (AFSLs). The timeline of policy issuance is worth noting. Policies issued before April 18, 2024, are underwritten by The Hollard Insurance Company, which continues to manage their renewals.
Policies issued after this date are fully administered and underwritten by PetSure. This transition streamlines the process for newer policies, consolidating their management under one entity.
Key Administrative Entities
| 🔎 Entity | 🅰️ Role | 🅱️ ABN | 📍 Office Location |
| 🥇 Bupa HI Pty Limited | Distributor and Promoter | 81 000 057 590 | Level 16, 33 Exhibition Street, Melbourne VIC 3000 |
| 🥈 PetSure (Australia) Pty Ltd | Policy Issuer and Administrator | 95 075 949 923 | Level 1, 465 Victoria Avenue, Chatswood NSW 2067 |
| 🥉 Hollard Insurance Company | Issuer for pre-April 2024 policies | 78 090 584 473 | Level 5, 100 Mount Street, North Sydney NSW 2060 |
Unique Advantages Over Competitors
Bupa Pet Insurance offers pet owners a thoughtful blend of flexibility, high-value cover, and exclusive services.
Standout Features
Bupa Pet Insurance offers a range of standout features designed to make pet care easier and more affordable.
- 24/7 VetChat connects you with qualified Australian veterinarians anytime, and you get four online consultations per month.
- GapOnly® Claims streamlines vet visits by enabling on-the-spot claims, so you only pay the gap between your vet’s fee and your insurance coverage.
- Policyholders can manage premiums by choosing their excess level ($0, $100, or $200).
- Bupa Health Insurance members receive a 10% annual discount while insuring multiple pets offers a 5% discount.
- Bupa has earned the Mozo People’s Choice Award for Best Pet Insurance, a testament to customer satisfaction.
- Cover of up to $20,000 annually under the Ultimate plan ensures support for substantial veterinary expenses.
With benefits like flexible premiums and high coverage limits, Bupa ensures that both pets and their owners are well taken care of.
Key Differentiators
The flexibility of Bupa’s policies is noteworthy because you can adjust excess levels and add optional benefits. For instance, the Ultimate plan allows you to include alternative therapies like acupuncture and physiotherapy or opt for dental cover for conditions such as gingivitis or tooth abscesses.
Bupa Pet Insurance Awards and Recognition
It’s reassuring when a company earns recognition directly from those who use its services. Bupa Pet Insurance winning the Mozo People’s Choice Award for Best Pet Insurance speaks volumes about its dedication to pet owners.
This recognition stands out because it ties into the everyday experience of being a pet owner.
Features like 24/7 VetChat offer help exactly when you need it, whether it’s late at night or during an emergency. Meanwhile, the GapOnly® claims process makes trips to the vet less stressful by letting you pay only the gap on eligible bills.
Eligibility for Pet Insurance with Bupa
Determining if your pet qualifies for Bupa Pet Insurance is an important first step. Eligibility depends on your pet’s age and the type of plan you choose. Here are the requirements:
| 🔎 Criteria | 📌 Details |
| 📉 Age | 8 weeks to under 9 years for new policies |
| 📈 Species | Cats and dogs |
| 📊 Exclusions | Pre-existing conditions, hereditary or congenital issues identified before the policy start |
Pet Insurance Customer Support with Bupa
Bupa offers a structured, multi-channel customer support system to help policyholders address questions, resolve concerns, and manage claims. Below is a detailed breakdown of available contact options categorized by support type.
| 🔎 Support Type | ❤️ Entity | ☎️ Contact Details |
| 📉 General Inquiries | Bupa | Phone: 1800 802 386 Email: [email protected] Mail: GPO Box 9809, Brisbane QLD 4001 |
| 📈 Privacy Concerns | PetSure (current policies) | Phone: (02) 9842 4800 Email: [email protected] Mail: Locked Bag 9021, Castle Hill, NSW 1765 |
| 📈 Privacy Concerns | Hollard (pre-April 2024 policies) | Phone: (02) 9253 6600 Email: [email protected] Mail: Locked Bag 2010, St Leonards, NSW 1590 |
| 📊 Complaints | Bupa | Phone: 134 135 (Weekdays 8 AM–8 PM AEST) Email: [email protected] Mail: Locked Bag 9021, Castle Hill, NSW 1765 |
| 💹 External Disputes | Australian Financial Complaints Authority (AFCA) | Phone: 1800 931 678 Email: [email protected] Mail: GPO Box 3, Melbourne VIC 3001 Website: www.afca.org.au |
Pet Insurance Premiums
Understanding how pet insurance premiums are calculated can help you budget confidently for your pet’s care. With Bupa, the cost of your premium depends on details like your pet’s age, breed, location, and the cover level you choose.
Factors such as higher cover limits or older pets typically result in higher premiums, while options like increasing your excess or paying annually can help you manage costs more effectively.
Sample Premiums for Cats and Dogs
Here’s an example of what premiums might look like for a dog or cat born in 2024:
| 🔎 Pet | 📊 Plan | 💶 Fortnightly Premium | 💵 Excess |
| 🐶 Labrador (not desexed) | Standard | $30.15 | $200 |
| 🐕 Labrador (not desexed) | Ultimate | $32.00 | $200 |
| 🐱 Domestic Cat (not desexed) | Standard | $18.30 | $200 |
| 🐈⬛ Domestic Cat (not desexed) | Ultimate | $19.07 | $200 |
Factors Influencing Premiums
Several factors impact how much you’ll pay for Bupa Pet Insurance:
Pet’s Age
Younger pets tend to have lower premiums, while older pets are subject to higher costs due to increased health risks.
Breed
Breeds predisposed to certain conditions often have higher premiums to account for potential medical expenses.
Cover Level
Plans with more comprehensive cover, like the Ultimate plan, come at a higher cost.
Geographic Location
Vet costs vary by region, influencing your premium.
Excess
Opting for a higher excess reduces your premium, but you’ll pay more out-of-pocket during claims.
Cover and Benefits Comparison
Choosing the right pet insurance plan can feel overwhelming, but Bupa simplifies the process with two clear options: the Standard and Ultimate plans.
Both offer cover for up to 80% of eligible vet bills, but the differences in benefits, limits, and optional add-ons can help you decide which suits your pet’s care needs.
Bupa Pet Insurance Plan Options
| 🔎 Feature | 🥇 Standard Plan | 🥈 Ultimate Plan |
| 💶 Annual Benefit Limit | $12,000 | $20,000 |
| 📈 Cover Percentage | Up to 80% | Up to 80% |
| 🤕 Accident Cover | Included | Included |
| 🤒 Illness Cover | Included | Included |
| 📉 Sub-Limits | Applied to consultations, tick paralysis, emergency boarding, and cruciate ligament conditions | Same as the Standard Plan |
| 🌡️ Optional Routine Care | Available | Available |
| ⭐ Alternative Treatment | Not Available | Cover for acupuncture, physiotherapy, and more |
| 🦷 Major Dental | Not Available | Cover for issues like gingivitis or abscesses |
Both Standard and Ultimate plans cover specified accidental injuries (like fractures and burns) and illnesses (including cancer, skin conditions, and gastrointestinal issues).
They also include consultations and emergency boarding cover, but sub-limits apply in certain categories, such as tick paralysis and cruciate ligament treatments.
Optional Add-ons
Optional add-ons are a great way to customize your Bupa Pet Insurance policy, giving you coverage that matches your pet’s unique care needs.
Whether it’s keeping up with routine vet visits or addressing more specialized health concerns, these add-ons provide extra support when it matters most.
What’s Available
Routine Care (Available with Standard and Ultimate Plans)
Helps cover preventive treatments, including vaccinations, desexing, microchipping, flea and tick control, and regular health checks. There’s no waiting period, so you can use this benefit immediately.
Alternative Treatment (Exclusive to Ultimate Plan)
Covers therapies like acupuncture, physiotherapy, chiropractic care, and hydrotherapy prescribed by your vet. This is Ideal for pets needing recovery support or managing chronic conditions. Furthermore, it Includes a 30-day waiting period before the cover starts.
Major Dental (Exclusive to Ultimate Plan)
This provides cover for dental illnesses such as gingivitis, abscesses, or necessary tooth extractions due to infection or fractures, helping with the costs of maintaining your pet’s oral health. However, it has a 6-month waiting period.
Why Add These?
Add-ons like Routine Care make preventive treatments more affordable, especially for young pets starting their health journey. If your pet is prone to injuries or illnesses that require specialized therapies, the Alternative Treatment option offers a financial buffer for non-traditional treatments.
Similarly, Major Dental is a great fit for owners prioritizing their pet’s oral health, covering conditions that can otherwise lead to high vet bills.
What doesn’t Bupa Pet Insurance Cover?
When it comes to pet insurance, knowing what isn’t covered can save you frustration down the line. Every policy has exclusions, and Bupa is no different. These exclusions highlight situations or conditions where claims won’t be approved, making it easier to plan and manage your pet’s care responsibly.
The table below breaks down the main exclusions into clear categories so you can quickly see what’s not included in Bupa’s cover and where there might be options to extend protection with add-ons.
| 🔎 Category of Exclusion | 🅰️ Specific Examples | 🅱️ Notes or Clarifications |
| ⭐ Pre-existing Conditions | Chronic conditions like arthritis, diabetes, or hip dysplasia | Conditions that existed before the policy start date or during waiting periods are excluded from cover |
| 🦷 Dental Treatments | Routine dental cleaning, fractured teeth | Covered only if you opt for the Major Dental add-on under the Ultimate Plan |
| 🩺 Elective or Cosmetic Treatments | Ear cropping, tail docking, nail clipping | Excluded unless medically necessary, as determined by a vet |
| 🍼 Breeding and Pregnancy | Costs related to breeding, pregnancy, or childbirth | Cover does not extend to veterinary care associated with these activities |
| 💉 Preventative Care | Vaccinations, grooming, flea/tick/worm control | Included only if Routine Care is selected as an add-on |
| 🥺 Negligence-Related Injuries | Injuries from organized fighting or lack of reasonable care | Claims will be denied if the injury is a result of the owner's negligence |
| 💊 Experimental Treatments | Organ transplants, prosthetics, or unapproved therapies | Cover applies only to treatments that are widely accepted and prescribed by a qualified vet |
| ❌ General Exclusions | Costs unrelated to veterinary treatment, such as transport | Bupa does not cover any indirect costs, such as transportation or loss of enjoyment due to a pet’s illness |
How Do I Sign Up for Pet Insurance with Bupa?
Bupa’s sign-up process focuses on gathering the essential details to provide accurate and reliable cover for your pet. The application involves a few straightforward steps, from entering your pet’s information to finalizing your payment.
1. Step 1: Select Pet Type
Indicate whether your pet is a cat or dog.
2. Step 2: Enter Pet Details
Provide your pet’s name, breed, date of birth, and gender.
3. Step 3: Desexing Status
Specify if your pet is desexed.
4. Step 4: Provide Your Information
Enter your date of birth, email address, and postal code.
5. Step 5: Bupa Health Insurance Member Discount
Indicate if you’re a Bupa Health Insurance member to apply a 10% discount.
6. Step 6: Promo Code
Provide a promo code if you have one.
7. Step 7: Choose Your Plan
Review the Standard and Ultimate plans to select the best suits your needs.
8. Step 8: Optional Add-ons
Consider optional extras like Routine Care or Major Dental for additional coverage.
9. Step 9: Select Start Date
Choose a start date within two weeks of your application.
10. Step 10: Choose Payment Frequency
Select how often you’d like to pay: fortnightly, monthly, or annually.
11. Step 11: Provide Address & Vet Info
Enter your address and confirm details like whether you have a regular vet.
12. Step 12: Add an Authorised Person (Optional)
Optionally, add someone else to your policy.
Finally, Provide your payment details and confirm your preferred payment frequency. Carefully review the policy terms before submitting your application. That’s it! You’re all set to protect your pet with Bupa Pet Insurance.
How to Make a Pet Insurance Claim with Bupa
Understanding how to make a claim can help you get reimbursed quickly for your pet’s veterinary expenses. Bupa offers several ways to submit claims: online, by paper, or in-clinic through GapOnly®.
Online Claim Submission
Step 1: Log in to Bupa’s Pet Portal.
Step 2: Upload the following documents:
- Itemized invoices
- Payment receipts
- Consultation notes from your vet
If applicable, adoption paperwork and medical history for pets adopted at an older age
Step 3: For complex cases, Bupa might ask for additional documents (e.g., lab results or treatment details).
Paper-Based Claims
Step 1: Download and print the claim form from Bupa’s website.
Step 2: Fill out the form and have your vet complete the relevant sections. Both you and your vet must sign it.
Step 3: Attach the following:
- Original invoices
- Payment receipts
- Consultation notes
Step 4: Mail the completed form and documents to:
Locked Bag 9021, Castle Hill NSW 1765
GapOnly® In-Clinic Claims
- Step 1: Inform your participating vet that you’d like to process your claim through GapOnly®.
- Step 2: The vet will submit the claim electronically during your visit.
- Step 3: Bupa will assess the claim in about six minutes, and you’ll only pay the gap between the bill and your insurance coverage.
Pre-Approval for High-Cost Treatments
- Step 1: Submit an itemized cost estimate, clinical records, and treatment details to Bupa for pre-approval.
- Step 2: Bupa will confirm the cover amount in writing before treatment begins.
Required Documents for All Claims
- Itemized invoices and payment receipts
- Consultation notes from your vet
- Medical history (for first-time claims or pets adopted at an older age)
This simplified version breaks down the process into easy steps and makes it clear which documents are needed for each type of claim.
Bupa Pet Insurance Pricing vs. Value for Money
Pet insurance is an investment, and its value depends on how well the cover aligns with your pet’s needs while staying within your budget.
Bupa’s pet insurance offers flexibility in pricing through customisable excess options, competitive benefit limits, and a range of features that enhance cover, such as VetChat and GapOnly®.
These elements contribute to its value, but costs can vary based on the pet’s age, breed, and plan selection.
Pricing Comparison
| 🔎 Pet | 📌 Plan | 💶 Fortnightly Premium | 💵 Excess |
| 🐶 Labrador (not desexed) | Standard | $30.15 | $200 |
| 🐕 Labrador (not desexed) | Ultimate | $32.00 | $200 |
| 🐱 Domestic Cat (not desexed) | Standard | $18.30 | $200 |
| 🐈 Domestic Cat (not desexed) | Ultimate | $19.07 | $200 |
Key Value Points
- Standard and Ultimate plans cover up to 80% of eligible vet bills, with annual benefit limits of $12,000 and $20,000, respectively.
- Features like Routine Care and Major Dental allow customization, catering to preventative and specialized healthcare needs.
- Tools like VetChat provide access to 24/7 online veterinary consultations, while GapOnly® simplifies claims by reducing out-of-pocket expenses during vet visits.
- Bupa Health Insurance members receive a 10% discount on pet insurance premiums, and insuring multiple pets qualifies for a 5% discount.
Policy Renewal, Cancellation and Changes
Managing your Bupa Pet Insurance policy doesn’t have to be complicated. Whether it’s renewing to keep cover going, canceling when it’s no longer needed, or making adjustments to better fit your situation, Bupa provides clear steps to guide you.
Here’s a breakdown to help you navigate these processes with confidence.
| 🔎 Process | 📌 Key Details | 🅰️ Requirements | 🅱️ Considerations |
| 📉 Policy Renewal | Policies renew automatically unless you opt out. You’ll get a renewal notice at least 14 days before expiry | Check and update payment details if needed | Premiums adjust yearly based on factors like your pet’s age, breed, and claims history |
| 📈 Cancellation | You can cancel your policy anytime by contacting customer service | Provide your policy number and the date you want it canceled | Refunds are available for unused premiums, minus fees if claims have not been made |
| 📊 Policy Changes | Adjustments (like switching plans) will result in a new policy being issued | Submit requests before the next renewal period | New waiting periods might apply to added benefits, and mid-policy changes usually don’t refund premiums |
Things to Keep in Mind
- Renewal premiums aren’t static – they’re recalculated annually. Factors like your pet’s age and claims history can impact what you’ll pay moving forward.
- If you’re within 21 days of starting a new policy and haven’t made a claim, you can cancel for a full refund.
- If you adjust cover during the policy period, such as upgrading your plan, the new benefits might come with waiting periods, and you won’t get refunds for any time left on your current plan.
Bupa Pet Insurance vs AAMI vs Australian Unity
| 🔎 Provider | 🥇 Bupa | 🥈 AAMI | 🥉 Australian Unity |
| 📌 Policy Types Offered | Basic Accident Cover, Standard Cover, Ultimate Cover | 4 options: Silver, Gold, Platinum (dogs); Bronze, Gold, Platinum (cats) | Bronze, Silver, Gold, Platinum |
| 📍 Excess/Deductible Amount | Options of $0, $100, or $200 excess | $0, $250, $500 | Flexible excess options available |
| 📉 Waiting Period for Cover | Accident cover starts immediately; Illness cover has a 30-day waiting period | 21 days for illness; 0 days for accidental injury | Immediate for accidents and routine care, 21 days for illnesses, 6 months for dental |
| 📈 Pre-existing Condition Cover | Not covered | Not covered | None |
| 📊 Co-payment Percentage | Bupa reimburses up to 80% of eligible vet bills | 20% of the vet bill for claims | No co-payment, reimbursement up to 80% |
| 💹 Refund Percentage for Claims | Bupa reimburses up to 80% of eligible vet bills, depending on the plan | None | Up to 80% of accidents and illnesses |
| ❤️ Covered Treatments | Accidents, illnesses, consultations, emergency boarding, etc. | Accidents, illness, surgery, dental illness (Platinum), chronic conditions (Gold/Platinum) | Accidents, illnesses, dental (Gold & Platinum), hereditary & congenital disabilities |
| 🚨 Emergency and Critical Care | Covered under the Standard and Ultimate plans | Covered, with up to $1,500 for emergency boarding (Platinum) | Covered for eligible conditions |
| ✈️ Travel Insurance for Pets | Covers veterinary expenses while traveling in New Zealand (up to 60 days) | Not covered | None |
| 🔖 Third-party Liability | Not covered | Not covered | None |
| 🚑 In-Hospital and Outpatient Care | Covered for accidents and illnesses | Covered | Covered for eligible conditions |
| ↪️ Pet Loss and Theft Cover | Not covered | Not covered | None |
| 💶 Reimbursement Method | Claims submitted online, via the Pet Portal, or through GapOnly® for on-the-spot claims at participating clinics | Direct to vet via GapOnly® or reimbursement to the owner | GapOnly® for on-the-spot claims or reimbursement after claim processing |
| 💵 Payout Limit per Condition | Sub-limits apply (e.g., tick paralysis or cruciate ligament conditions) | Varies by plan; up to $30,000 annual cover (Platinum) | Varies |
| 🍼 Pet Age Limit for New Enrolments | 8 weeks to under 9 years | Dogs: 6 months – 9 years; Cats: 8 weeks – 9 years | Up to 9 years for Gold & Platinum, up to 15 years for Bronze & Silver |
| 🥰 Behavioral Therapy Cover | Not covered | Not covered | None |
| 💊 Preventive Care Benefits | Available as an add-on (vaccinations, desexing, health checks, microchipping) | Optional add-on for routine care (vaccinations, flea treatments, etc.) | Available as an optional add-on |
| ⭐ Multi-pet Cover Limitations | 5% discount for each additional pet; eligibility depends on each pet’s age and health | Each pet has an individual cover, with potential multi-pet discounts | Available with individual policies for each pet |
Bupa Pet Insurance Discounts
Bupa makes saving on your pet insurance easier through a couple of handy discounts. These are designed not only to reward loyalty but also to support pet owners with multiple animals.
Whether you’re already a Bupa health insurance member or have more than one pet to insure, these discounts help lower your premiums and make coverage more affordable.
Here’s a breakdown of the discounts available:
- 10% Discount for Bupa Health Insurance Members: If you’re already covered under Bupa health insurance, you can enjoy a 10% discount on your pet insurance premiums yearly.
- 5% Multi-Pet Discount: Have more than one pet? You’ll get a 5% discount for each additional pet you add to your policy.
These discounts are just one of the many ways Bupa helps make pet insurance more accessible and affordable, ensuring that you and your pets get the best care at a great value.
Pros and Cons
| ✅ Pros | ❌ Cons |
| Cover starts immediately for specified accidents | Conditions before the policy start date aren't covered |
| High annual benefit limits up to $20,000 with the Ultimate plan | Limits on pre-approval |
| 24/7 VetChat provides up to four online consultations per month with qualified Australian vets | Limited cover for certain dental treatments – Routine dental care isn’t covered without a Major Dental add-on |
| Claims are processed on the spot at participating vets, paying only the gap | Cosmetic procedures like ear cropping and tail docking aren’t covered |
| Covers conditions like cancer and skin issues | Travel cover is only valid in New Zealand and excludes overseas travel |
| Policyholders can choose between $0, $100, or $200 excess to adjust premiums | Some hereditary conditions may be excluded from cover unless specified |
| Cover continues as long as the policy is renewed without a break | Additional documentation might be required for complex claims, which could delay processing |
| 5% off for each additional pet insured under the same policy | Premiums increase significantly as pets get older, especially for those over 9 |
In Conclusion
Bupa Pet Insurance offers a range of features, including GapOnly® for immediate claims at participating vets, 24/7 VetChat consultations, and flexible cover options like Routine Care and Major Dental add-ons. You can also save with a 10% discount for Bupa health insurance members and a 5% multi-pet discount.
However, premiums can rise with age, and pre-existing conditions are excluded. While Bupa provides travel cover in New Zealand, it doesn’t extend to pets outside Australia or on long trips. Some treatments, like elective procedures, may require add-ons for coverage.
Overall, Bupa offers strong benefits for pet owners but may not be ideal for those with older pets or pre-existing health conditions.
You might also like:
- Trupanion Pet Insurance
- RSPCA Pet Insurance
- Budget Direct Pet Insurance
- Bow Wow Meow Pet Insurance
- AAMI Pet Insurance
- Australian Unity Pet Insurance
- Medibank Pet Insurance
- HCF Pet Insurance
Frequently Asked Questions
Are there any discounts on Bupa pet insurance?
Yes, Bupa Health Insurance members receive a 10% discount. There is also a 5% multi-pet discount when insuring additional pets under the same policy, making it an excellent choice for multi-pet homes.
What add-ons are available with Bupa Pet Insurance?
Bupa provides some important add-ons, including Routine Care, which covers vaccines and desexing.
Alternative treatment includes treatments such as acupuncture, and Major Dental covers dental disorders such as gingivitis and abscesses but is only accessible with the Ultimate plan.
Is there a waiting period with Bupa pet insurance?
Yes, Bupa has a 30-day waiting period for illness cover, but accident cover begins immediately.
Does Bupa pet insurance cover international veterinarian care?
Bupa offers travel cover for veterinary expenditures in New Zealand, but only for journeys lasting up to 60 consecutive days. This doesn’t apply to other overseas sites.
How can I manage my Bupa pet insurance policy?
Managing your insurance is simple using Bupa’s customer site, which allows you to update your information, file claims, and follow the progress of your policy.
Are there any exclusions for Bupa pet insurance policies?
Yes, Bupa insurance doesn’t cover pre-existing diseases, elective procedures, or injuries caused by carelessness.
