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Kogan Pet Insurance > Pet Luxury Cover

Pet luxury cover

Pet Luxury Cover is the highest level of protection for your beloved pet. Never compromise on care with coverage of up to 80% of eligible vet bills and a generous claim limit of $15,000 a year.*

We also have a great value add-on available for coverage of all those routine expenses, like vaccinations, desexing and obedience training.

What’s covered:

  • Up to 80% of eligible vet bills that will step down to 65% on the first renewal after your pet’s 8th birthday
  • Excess options of $100, $50 or $0.
  • A wide range of accidental injuries and illnesses, including but not limited to burns, snake bites and poisoning.^
  • Claim limit of up to $15,000 a year to help with prolonged or expensive treatment^
  • 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 up to 9 years 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.
  • Add optional Routine Care and we’ll help you pay for everyday essentials like health checks, obedience training and teeth cleaning.

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

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

Got a Question?


1300 001 738

Why Kogan Pet Insurance?

Cover up to 80% of Eligible Vet Bills

Accidents happen! Don’t get caught out by unexpected costs.

1 Month Free Pet Insurance+

Sign up today & get 1 month FREE!+
Click for details.

$10 off every month

Active Kogan Pet Insurance policyholders receive $10 off a purchase of $100 or more at once a month.^ Find out more.

Simple Claims Process

Our Online Portal makes claims smooth, simple and fast!
98% of claims processed within 5 business days (once all information has been received).

Vet Care in Your Pockets

VetChat is a new service that connects you with trusted Australian Vets via chat or video call online, within minutes 24/7. Kogan policyholders are entitled to complimentary consults during their policy period~. T&C’s apply. Find out more. 

What’s included


Pet Luxury Cover

Entry Age Limit Apply from 8 weeks old
to 9 years
Excess $0, $50, $100
Benefit % Pets under 8 yrs = 80%
Pets 8+ yrs = 65%
Annual Benefit Limit $15,000
Covers Illness  Yes
Overseas Travel Yes, 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:

  1. a motor vehicle incident
  2. a burn or electrocution
  3. an allergic reaction to insect or arachnid bites
  4. a bone fracture
  5. snake bite toxicity
  6. a traumatic ligament or tendon injury other than Cruciate
  7. Ligament Condition
  8. bite wound or fight wound abscesses
  9. lacerations or abrasion of tissue, skin or mucous membranedue to external violence

Examples of Illnesses we generally cover are:

  1. cancer Treatments
  2. skin Conditions
  3. eye/ear Conditions
  4. ingestion of a foreign object
  5. gastrointestinal problems
  6. hereditary and congenital Conditions (excluding Pre-existing Conditions)
  7. tick paralysis
  8. intervertebral disc disease (IVDD)
  9. poisoning
  10. Cruciate Ligament ConditionsView
    Product Disclosure Statement for further details
Consultation Fees Limit (annual)
(in relation to conditions covered by your policy)
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) $2,000
Emergency Boarding $1,000
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

Get an Express Quote

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.

Annual Claim Limits up to $15,000

Generous annual limits let you sleep easier knowing you’re covered.

Your Pet, Your Vet

Take your pet to any licensed veterinary practice in Australia.

Simple Claims Process

Our Online Portal makes claims smooth, simple and fast.

We hope your pet never has an emergency, but if the worst should happen, we’ll help 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.

Have a question?

Get in contact with us.

Online portal

Vet care in your pocket.


Find answers to the most frequently asked question.

+This offer commences on 12:00AM AEDT 12 March 2024 and ends on 11:59PM AEST 31 May 2024 (Offer Period). Offer provides new customers with 1 month free in their first policy year only when they purchase a Kogan Pet Insurance Policy during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first 1 month of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the 2nd month of your policy. For annual payments, the 1 month free will be deducted from your first policy year premium at the time of purchase. Offer applies to new Kogan Pet Insurance policies purchased during the Offer Period, online or by phone using promo code FREEMONTH. Offer will cease if you change your level of cover. Not available with any other offer except for multi-pet discount for additional pets. Offer subject to the terms and conditions of the Kogan Pet Insurance policy. Eligibility criteria applies for Kogan Pet Insurance and is subject to the Kogan Pet Insurance terms and Conditions (Refer to the Product Disclosure Statement). Kogan Pet Insurance reserves the right to withdraw, vary or extend this Offer at any time, without notice.

^Monthly $10 credit offer valid on single purchases of $100 or more (excluding shipping). Offer applies to all active Kogan Pet Insurance policies ("Relevant Policy"), after 30 days from the commencement date of the Relevant Policy. Credit will be issued by via email, in the first week of every month to all eligible policyholders. Credit will expire 30 days from date of issuance. Credit can only be claimed through a account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a account, you will be required to register for a account for free. You will be sent an email from 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 requires all account holders to accept in order to open a account. Credit cannot stack with other vouchers or credits. Credit cannot be used in conjunction with certain other promotional offers. Credit cannot be used to pay for a Kogan First membership. Kogan may amend or withdraw this offer at any time. is solely responsible for all representations made regarding this offer. The Hollard Insurance Company Pty Ltd and PetSure (Australia) Pty Ltd take no responsibility for the goods or services procured from

~VetChat is a non-insurance product that is separate from the Kogan Insurance Product and is separately provided by VetChat Services Pty Ltd (VetChat). VetChat is a related company of PetSure (Australia) Pty Ltd. Consultations are subject to VetChat’s general Terms and Conditions, including the Privacy Policy which are available online at For the full terms of this offer, visit When you receive the email from VetChat, you must access your VetChat account and the complimentary online consults in the current policy period using the same email address that is linked to your policy. Kogan may withdraw or extend this offer at any time without notice.

#GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure). GapOnly® is available on eligible claims at participating Vets. Please visit for more details or to search for GapOnly® enabled vets.

Terms, conditions, waiting periods and exclusions apply. Kogan Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL 241436, administered through PetSure (Australia) Pty Ltd ABN 95 075 949 923 AFSL 420183 and promoted by Kogan Australia Pty Ltd ABN 53 152 570 351 AR 1256858 as PetSure’s Authorised Representative. Any advice provided is general only and has been prepared without taking into account your objectives, financial situation and needs. You should review your own needs and the relevant Product Disclosure Statement at before deciding to buy or continue to hold this insurance.