Kogan Pet Insurance > Pet Value Cover

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Pet Value Cover

Our Pet Value Cover provides essential protection for high value pet bills for specified illnesses and accidental injuries. It includes coverage for up to 70% of eligible vet costs, as well as a generous claim limit and a host of additional benefits*

What’s covered:

  • Up to 70% of eligible vet bills that will step down to 60% on the first renewal after your pet’s 8th birthday

  • Excess options of $0 or $50

  • A range of specified accidental injuries and illnesses, including but not limited to burns, cancer treatments, bladder stones, pancreatitis, eye trauma and poisoning.^

  • Claim limit of up to $4,000 a year to help with 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 up to 9 years of age continue to renew your policy.
    Subject to the terms and conditions.
  • Freedom to take your pet to any vet registered to practice in Australia.

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

Why Kogan Pet Insurance?

Cover up to 80% of Eligible Vet Bills

Accidents happen, don’t get caught out by unexpected costs.

Earn $75 Kogan.com Credit

Score Kogan.com Credit with selected policies, to spend at Australia’s #1 online retailer!+ 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.

What’s Included

Coverage

Pet Value Cover

Entry Age Limit Apply from 8 weeks old
No upper age limit for cover commencement
Excess $0, $50
Benefit %
Pets Under 8 70%
Pets 8+ 60%
Annual Benefit Limit $4,000
Covers Illness  (specified illnesses, see below for coverage)
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 foreign object
Cancer
Bladder Stones
Corneal ulcer
Brachycephalic Airway Syndrome
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)

Coverage

Pet Value Cover

Entry Age Limit Apply from 8 weeks old
No upper age limit for cover commencement
Excess $0, $50
Benefit %: Pets Under 8 70%
Benefit %: Pets 8+ 60%
Annual Benefit Limit $4,000
Covers Illness
(specified illnesses, see below for coverage)
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) ingestion of a foreign object
e) tick paralysis
f) heat stroke
g) gastric dilatation-volvulus (GDV)
h) Trauma induced respiratory impairment
i) a bone fracture
j) snake bite toxicity
k) a traumatic ligament or tendon injury other than Cruciate
Ligament Condition
l) a bite wound or fight wound abscesses
m) lacerations or abrasion of skin or mucous membrane due
to external violence;
n) Cruciate Ligament ConditionsSpecified illness – which is a condition that is a direct consequence of or resulting in the following list:
a) traumatic spinal disc rupture
b) torn nail
c) poisoning
d) embedded grass seed
e) soft tissue injury
f) eye Trauma
g) cancer
h) stenotic nares, soft palate resections, everted laryngeal saccules
i) entropion and ectropion surgery
j) pancreatitis
k) cataracts
l) anaphylactic shock
m) intervertebral disc disease (IVDD)
n) bladder stones
o) hip or elbow dysplasiaView 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

Get an Express Quote

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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 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.

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FAQ

+$75 Kogan.com Credit offer (“Offer”): The Offer is valid for all Kogan Pet Insurance policies (each a “Relevant Policy”). The Offer is valid for new Relevant Policies (not renewal or reinstatement policies) for a limited time only . Kogan.com reserves the right to amend, extend or withdraw this Offer at any time. The Kogan.com Credit (“Credit”) will be sent to the e-mail address of eligible policyholders after 90 days from the commencement date of the Relevant Policy, provided all required payments are paid. The Relevant Policy must also remain active and must not have been cancelled or refunded within that 90-day period. 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 available here, which 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 (PDS) available here, when applying for the Relevant Policy. Credit expires 3 months from date of issue. Credit is not transferable or redeemable for cash. The Hollard Insurance Company Pty Ltd and PetSure (Australia) Pty Ltd take no responsibility for the goods or services procured from Kogan.com.
^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.
$50 Kogan.com Kogan First Credit offer (“Offer”): To be eligible you must purchase a Kogan Pet Insurance, Kogan Comprehensive Car Insurance, Kogan Pay As You Drive Car Insurance, combined Kogan Home and Contents Insurance, or combined Landlords Building & Contents Insurance policy (“Relevant Policy”) and be a Kogan First member at the time of purchasing the insurance policy. The Offer is valid for new Relevant Policies (not renewal or reinstatement policies). The Offer is only available to Kogan First members who hold a current Relevant Policy at the time the Credit is applied, and have held the Relevant Policy and been Kogan First members for at least 45 days at the time the Credit is applied (“Qualifying Period”).  The $50 Kogan.com credit (“Credit”) will be sent to the e-mail address of eligible policyholders after 45 days from the commencement date of the Relevant Policy, provided the annual premium or the first instalment premium for the Relevant Policy has been paid in full. The Relevant Policy must also remain active and must not have been cancelled or refunded within that 45 day period. Limit of one $50 Kogan.com credit per eligible policy type for each Kogan First membership. 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.  If the Kogan First program is discontinued or your membership is cancelled or terminated (see Kogan First terms and conditions here), you will not receive Credits. 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.