If your pet has had a temporary condition that was subject to the pre-existing condition exclusion, you can apply to have it reviewed. Your vet will need to certify and provide veterinary records verifying that the condition remains a temporary condition and has not existed, occurred or shown symptoms for a period of 18 months. [...]
Yes. If your pet requires treatment and you wish to seek pre-approval of those costs, you can provide us with the itemised estimate of costs from your vet, along with the treatment required and relevant clinical records and/or veterinary history, and we will respond to you in writing with the outcome.
No. Pet insurance does not work like health insurance. Health insurance is ‘community rated’, which means that everyone pays the same premium for their health insurance regardless of their individual health status, age or claims history. This is not the case for pet insurance. Health insurance providers are able to community rate health insurance because [...]
Every year, we review the cost of everyone’s insurance with regards to a combination of factors as well as claims inflation across all our insured pets. Increases in our claims costs due to increases in the range of available veterinary procedures, or due to an increased take-up of those services, impacts everyone’s premiums. Your premium [...]
Yes, your premium will increase each year. This is for two main reasons: Reason #1: Just like humans, the older our pets get, the more likely they are to have health hiccups. Cats and dogs age faster than we do, which means that their likely veterinary treatment costs go up rapidly each year too. As [...]
New policies Your premium is calculated using a combination of factors about you and your pet. These factors can affect the premium amount up or down depending upon whether we believe it increases or decreases the risk to us, such as the cover you have chosen, the excess selected, the benefit percentage applicable to the [...]
Yes, it is covered under all our policies except Indoor Cat Cover. There is a waiting period of 6 months, however, you can apply for this period to be waived subject to completion of a form by your vet confirming there are no existing signs or symptoms.
Unless you tell us that you do not want your policy renewed, we will automatically renew your policy on its expiry. We will send you a notice before your policy expires confirming when your insurance will expire and the terms on which your insurance will automatically renew. It will also remind you that you can [...]
You can insure your pet between 8 weeks of age and 9 years of age. There is no upper age limit for Pet Primary Cover. Please refer to the Product Disclosure Statement for further details.
Depending on the type of policy you take out, there may be an excess which applies per condition treated however there is the option of $0 excess on all Kogan Pet Insurance policies.