Kogan Pet Insurance > Pet Primary Cover

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Pet Primary Cover

We love our pets. But sometimes they can be clumsy. And unpredictable. And a little over-eager. In the case of an accident, you want to know that your pet will get the protection it deserves. Our Primary Cover will cover up to 80% of eligible vet bills for a wide range of accidents, from falls and spills, to bites and allergic reactions*.

What’s covered:

  • Up to 80% of eligible vet bills with excess options of $50 or $0

  • A range of specified accidental injuries, including but not limited to burns, snake bites and poisoning.^

  • A wide range of additional benefits, including overseas cover when you’re travelling with your pet, tick paralysis treatment, essential euthanasia and much more.*

  • Lifetime cover when you insure your pet from 8 weeks of age and continue to renew your policy.
    Subject to the terms and conditions.
  • Freedom to take your pet to any vet registered to practice in Australia.

  • Coverage from the day after you begin your policy.
    Subject to any applicable waiting periods.

Exclusions and conditions apply – for full details, download the Kogan Pet Value Cover Product Disclosure Statement.

*Terms, conditions, waiting periods and some exclusions apply.
^Excludes pre-existing conditions – see the Product Disclosure Statement for details.

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Product Disclosure Statements

What’s Included

Coverage

Pet Primary Cover

Entry Age Limit Apply from 8 weeks old
No upper age limit for cover commencement
Excess $0, $50
Benefit % 80%
Annual Benefit Limit $8,000
Covers Illness Covers Specified Illnesses
(See ‘Section 2 – Your Cover’ in the PDS for further information. Some exclusions apply.)
Overseas Travel  ✔
View Product Disclosure Statement for more details
Coverage Specified Accidental Injuries – which is a condition that is a direct consequence of or resulting in the following list:
a) a motor vehicle incident
b) a burn or electrocution
c) an allergic reaction to insect or arachnid bites
d) a bone fracture
e) snake bite toxicity
f) a traumatic ligament or tendon injury other than Cruciate
Ligament Condition
g) bite wound or fight wound abscesses
h) lacerations or abrasion of tissue, skin or mucous membrane
due to external violence
i) Cruciate Ligament ConditionsSpecified illness – which is a condition that is a direct consequence of or resulting in the following list:
a) ingestion of foreign object
b) tick paralysis
c) heat stroke
d) gastric dilatation-volvulus (GDV)
e) Trauma induced respiratory impairment (for example, if your Pet chokes or experiences near-drowning)
f) traumatic spinal disc rupture
g) torn nail
h) poisoning
i) embedded grass seed
j) soft tissue injury
k) eye Trauma
l) intervertebral disc disease (IVDD)

View Product Disclosure Statement for further details

Consultation Fees Limit (annual)
(in relation to conditions covered by your policy)
$300
Cruciate Ligament Limit (annual) $2,600*

*You may be eligible for a higher limit and if so this will be specified on your certificate of insurance, except for pre-existing conditions

Tick Paralysis Limit (annual) $1,200
Emergency Boarding $500
Waiting Periods 6 Months for cruciate ligament conditions

30 days for some conditions (refer to Section 2 of the Product Disclosure Statement)

0 days for specified accidental injuries

Entry Age Limit Apply from 8 weeks old
No upper age limit for cover commencement
Excess $0, $50
Benefit % 80%
Annual Benefit Limit $8,000
Covers Illness
Overseas Travel
View Product Disclosure Statement for more details
Coverage Tick paralysis
Cruciate ligament conditions
Motor vehicle incidents
Heat stroke
Burns
Poisoning
Electrocution
Allergic reaction to insect bite
Bone fractures
Snake bite
Embedded grass seed
Fight wound or other laceration
Soft tissue injury
Ingestion of a foreign object
Traumatic spinal disc rupture
View Product Disclosure Statement for further details
Consultation Fees Limit (annual)
(in relation to conditions covered by your policy)
$300
Cruciate Ligament Limit (annual) $2,600*

*You may be eligible for a higher limit and if so this will be specified on your certificate of insurance

Tick Paralysis Limit (annual) $1,200
Emergency Boarding $500
Waiting Periods 6 Months for cruciate ligament conditions

30 days for some conditions (refer to Section 2 of the Product Disclosure Statement)

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Optional Extras

If you want to feel like the cat that’s got the cream, just add a little extra and help cover your pet’s routine expenses.

$80 Benefit that can be claimed across any of the following
Desexing, Microchipping, Heartworm control, Teeth cleaning, Prescription diets, Cremation or burial, Dental illness treatment, Council registration fees, Obedience training, Behavioural therapy, Alternative therapies.

Plus: $40 Benefit for any one of the following:
Vaccination or health check, Flea/tick/worm control, Heartworm control.

Learn more

Why Kogan Pet Insurance?

We hope your pet never has an emergency, but if the worst should happen, we’ll make sure you can get them the care they deserve without the stress and worry of mounting vet bills.

Update your details or make a claim via our easy online portal.

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+$125 Kogan.com Credit offer (“Offer”): Valid for Relevant Policies only which includes Kogan Comprehensive Car Insurance, Kogan Pay As You Drive Car Insurance, combined Kogan Home and Contents Insurance, combined Kogan Landlords Building & Contents (General Insurance Relevant Policies) and all Kogan Pet Insurance policies. The Offer is valid for new Relevant Policies (not renewal or reinstatement policies) purchased between 12:00AM AEST 19/4/2021 and 9:00AM AEST 26/4/2021 only. Kogan.com reserves the right to amend, extend or withdraw this Offer at any time, without notice. The $125 Kogan.com credit (“Credit”) will be sent to the e-mail address of eligible policyholders after 45 days from the commencement date of the General Insurance Relevant Policy, or after 90 days from the commencement date of the Kogan Pet Insurance policy, provided all required payments are paid. The Relevant Policy must also remain active and must not have been cancelled or refunded within the first 45 day period for General Insurance Relevant Policy, or within the first 90 day period for Kogan Pet Insurance policies. The customer must provide a valid email address at the time of purchase to receive this Credit. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free to receive the Credit. You will be sent an email to create an account so you can claim your Credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. You are also required to meet any relevant terms and conditions of the Relevant Policy, contained in the relevant product disclosure statement when applying for the Relevant Policy. Credit expires 3 months from date of issue. Credit is not transferable or redeemable for cash. You cannot claim both $50 Kogan.com Credit offer and under this $125 Kogan.com Credit offer. $125 Credit offer prevails during the period referred above.