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Kogan Pet Insurance > Pet Primary Cover

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 ProductDisclosure Statement.

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

Got a Question?

Call

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.

2 Months Free Pet Insurance+

Sign up today & get 2 months FREE!+
Click for details.

$10 off Kogan.com every month

Active Kogan Pet Insurance policyholders receive $10 off a purchase of $100 or more at Kogan.com 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

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:

  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 membrane due to external violence

Cruciate Ligament ConditionsSpecified illness – which is a condition that is a direct consequence of or resulting in the following list:

  1. ingestion of foreign object
  2. tick paralysis
  3. heat stroke
  4. gastric dilatation-volvulus (GDV)
  5. Trauma induced respiratory impairment (for example, if your Pet chokes or experiences near-drowning)
  6. traumatic spinal disc rupture
  7. torn nail
  8. poisoning
  9. embedded grass seed
  10. soft tissue injury
  11. eye Trauma
  12. 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)

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.

FAQs

Find answers to the most frequently asked question.

+This offer commences on 12:00AM AEST 1 June 2024 and ends on 11:59PM AEST 30 June 2024 (Offer Period). Offer provides new customers with 2 months 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 2 months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the 3rd month of your policy. For annual payments, the 2 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 EOFYSALE. 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 Kogan.com 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 Kogan.com 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 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. You will be sent an email from Kogan.com to create an account so you can claim your Kogan.com 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. 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. Kogan.com 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 Kogan.com.

~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 www.vetchat.com.au. For the full terms of this offer, visit kogan.vetchat.com.au/terms-and-conditions. 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 gaponly.com.au 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 www.koganpetinsurance.com.au/useful-docs/ before deciding to buy or continue to hold this insurance.