HCF Pet Insurance review

HCF Pet Insurance 4.7/5

HCF pet insurance is an Australian owned and operated company providing pet insurance policies to protect pets and their owners. With over 15 years of experience in the health insurance industry, HCF has expanded to provide comprehensive and affordable pet insurance options for cats and dogs. The company is dedicated to supporting pet owners with their financial needs when their pets require medical care, providing peace of mind for pet owners across Australia. HCF pet insurance is committed to providing excellent customer service and building lasting relationships with its clients.

Here are the basic Details for the company:


Name - HCF Pet Insurance

Claim Address - HCF Pet Insurance, Locked Bag 9021, Castle Hill, NSW 1765.

Phone number - 1800 630 681

Pet lovers only want the best for their fur babies. However, there would always come a time when more annum your pet would ingest something, or get into an accident. Then, you’d end up in the vet and pay a much expensive bill. But the Guardian pet insurance assures you that with their pet insurance policies, your pet gets the protection it needs, as well as your wallet. 

Guardian pet insurance has three covers available at your disposal. The primary coverage is the Bronze cover. Moreover, this policy is for accidental injuries and specific illnesses. With the Bronze cover, your pet gets the assurance of up to 60% worth of eligible vet bills and an annual limit of $12,000. The minimum age for your pet to be enrolled is over eight weeks young and below 15 years old. Your pet will also have vet visits and consultations worth $300 per anum and an emergency boarding of $500 per year. 

Furthermore, cruciate ligaments benefit worth $2,000 is also part of the inclusions for the Bronze cover, as well as tick paralysis treatment. Other benefits also include hospitalization, surgery, medicines and Lifetime cover. 

For the Gold cover, your pet can avail of treatments for accidental injuries and illnesses worth $12,000 yearly at a reimbursement rate of 75% yearly. Other inclusions are hospitalizations, surgeries, vet visits and consultations worth $300 yearly, medicines and drugs and Lifetime cover. 

Your pet also gets a $1,000 yearly benefit for tick paralysis treatment with an emergency boarding benefit of $1,000. 

The Platinum cover for the Guardian pet insurance has more options than the other two policies. With the Platinum cover, you get the option of adding routine care or alternative therapy for your pet. Also, your pet receives an annual benefit of $12,000 worth of hospitalizations, surgeries, medicines and drugs, and lifetime coverage. With every approved claim, you can get a reimbursement of up to 80% of all your vet bills. 

You will also have emergency boarding and cruciate ligament benefit for your pet worth $1,000 and $2,600, respectively. 

What we like about the policies is the variety of reimbursement rates. Every plan comes with a different reimbursement rate, which means you could also make a better choice on what program is best for your pet and what is according to your budget. 

Pets older than 15 years old are also still insured with their Lifetime coverage. It says on the policy that only pets younger than 15 years old can enrol in that policy; however, because of the Lifetime coverage. As long as you continue to renew your pet’s system after the age limit, your pet gets Lifetime coverage. 

As much as Guardian insurance wants to protect your pet, there are still certain conditions that exclude your pet from getting coverage. Some of the exclusions are pre-existing conditions or symptoms of conditions that were treated before but still need further treatments right after the approval of your policy. Dental problems or oral diseases are also not part of the inclusions. And even though you can add routine care, elective treatments are not part of the additions, so it is also not part of Routine care. Before enrolling into any insurance plan, you must carefully read and understand the terms and conditions so you will be able to find the best fit for your furry family members

Why we like

HCF Pet Insurance


Finding out whether a possible pet insurance has received any notable awards might be a helpful beginning point in your quest for protection, while it's not a guarantee that accolades equate fantastic coverage. The 2021 Mozo Experts Choice Award for Outstanding Quality Pet Insurance, for instance, went to HCF.
Low Price: In our analysis of Australian pet insurance options, HCF pet insurance is among the plans with the lowest premiums. Check out the comparison table before you apply, and don't forget to use our helpful page of promo codes and coupons to see if you're qualified for any new customer discounts.
HCF Member Discount: If you belong to the HCF, you can get a 10% reduction on your premiums, which could help you save even more. You can receive a 15% discount if you're an HCF Ruby or Diamond member. Sadly, discounts are not available for current Manchester Unity Pet Insurance policies.
Discount for several pets: Do you wish to cover more than one pet? A lovely, round 10% multi-pet discount is provided by HCF pet insurance, and it is applied to the second and any future policies you apply for.
Easy Alternatives for Cover: Since eliminating its basic coverage option, HCF pet insurance now only offers two levels of protection, which are essentially identical save for a few sub-limit variations and the inclusion of routine care in Premium Plus. Choosing a straightforward option may be better for some pet owners while others may prefer additional options.
Online Account Management: HCF Pet Insurance provides clients with simple access to all of their member necessities through its online portal, making it simple to claim, manage your policy, change your details, and more.
Get Pre-Approval It's important to note that you can actually acquire pre-approval on procedures before you visit the veterinarian if you're concerned whether HCF will pay for the care your pet requires. This may help you feel more at ease before receiving the dreaded vet bill.
Lifetime Coverage: Like the majority of pet insurance plans, HCF provides lifelong coverage for animals, regardless of their age. You can have coverage for life as long as you apply for coverage before your pet turns nine, providing you renew your insurance each year without a break, interruption, or change in the level of your coverage.
Any further features worth mentioning? HCF pet insurance provides emergency boarding should you end up in the hospital as well as foreign coverage for travel to New Zealand and Norfolk Island.


What's good about

HCF Pet Insurance


Becoming an HCF member is advantageous since you can receive 15% off.
A 10% discount is also available if you insure multiple pets.
Its rules are uncomplicated and simple to comprehend. Options for accident and accident and illness coverage are included.


What's other people are saying about

HCF Pet Insurance


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