We all love spoiling our fur-kids, yet only 26% of dogs and 19% of cats in Australia have pet insurance* - and that could be very hurtful when the vet bill arrives! With HIF Pet Cover, you'll enjoy cover for puppies, kittens, dogs and cats and ensure peace of mind for the whole family.
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Download a Product Disclosure Statement Supplementary Product Disclosure Statement (SPDS) Target Market DeterminationsPre Existing Conditions Explained
Great news! Our members told us they love their fur-kids as much as any other member of their family (more so, in some cases!), so we decided to launch our very own pet insurance – HIF Pet. Keep reading to learn more about our cover options and how to make a claim, as well as member testimonials and frequently asked questions.
For full details on inclusions, exclusions, waiting periods and other important information,please refer to the Product Disclosure Statement and Supplementary Product Disclosure Statement (SPDS).
All of our furry friends are VIPs (Very Important Pets).
We lavish them with love and gifts, but many of us overlook essential health cover; and that’s surprising when the cost of vet treatment has risen much faster than inflation for decades, especially when you consider:
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For full details on inclusions, exclusions, waiting periods and other important information, please refer to the PDS and SPDS.
Data extracted from Pet Insurance Underwriting Company claims data 2017.
Claiming is easy with HIF Pet. Simply log on to our online Pet Pawtal to lodge your claim online. Alternatively, you can use the forms below:
Pre-existing Condition Exclusion Review Form
Cruciate Ligament Waiver Form
Relax, we’re here to help. If you require assistance at any stage in the process, simply call 1300 070 946 or email firstname.lastname@example.org
Make a claim
Got a fur-kid in their twilight years? Our Basic Cover policy insures cats and dogs of any age. For our Top Cover options, your pet must be between 8 weeks and 9 years old in order to be eligible for cover. Once insured though, they can remain on their policy for life^ provided you continuously maintain the cover.
"We have five cats and a dog, and they all have pet insurance - we wouldn't be without it! We've used all our policies multiple times, saving ourselves thousands in the process. One cat fractured her paw, another has a recurring UTI, and another needed to have a kidney removed at the after-hours vet clinic. The kidney surgery alone would've cost us $9,000 if we hadn't had insurance! We also have a puppy with gastrointestinal issues and we've already claimed $2,000 back in benefits after only having her policy for a few months. Our pet insurance has proved to be worth it's weight in gold!" - Duncan from WA 2019.Read more pet insurance testimonialsFrequently asked questions about HIF Pet.What kind of vet consultations can I claim under my policy?What Waiting Periods apply?What kinds of vet consultations can I claim under my policy?Are hereditary and congenital defects covered?How do I apply for a Pre-existing Condition review?How do I update or change my Pet policy details?Does HIF insure adopted pets?Can I seek pre-approval of my Pet’s upcoming treatment?How do I apply for the $50 member discount?How do I qualify for $50 off my pet insurance?Do you offer support for members affected by family violence?Will HIF cover my pet’s pre-existing conditions?Is my premium calculated the same way as my Private Health Insurance?Will my premium increase even if I don’t submit claims?Will my premium increase every year?How do I cancel my policy?How do I renew my policy?How can I pay my pet insurance premiums?Can I insure more than one pet?How do I make a pet insurance claim?What isn’t covered under HIF Pet Insurance?Can all pets be insured?Can I visit a vet of my choice?How do you calculate my premium?Can I switch to HIF Pet?Why should I choose HIF Pet Insurance?Why do I need Pet Insurance?Why did HIF introduce pet insurance?What is a collection fee?What is considered a pre-existing condition for my pet?Got a complaint?We hope that you never have reason to complain, but if you do we will do our best to work with you to resolve it. Our complaints resolution process has three steps. Please let us know if you require additional assistance to lodge a complaint.1 – Immediate ResponseUsually when you have a concern, we can resolve it immediately on the phone. If we can’t immediately resolve your concern we will treat it as a complaint and take steps to resolve your complaint as soon as possible. We will acknowledge your complaint within one business day of receiving it.Please contact us using one of the following means:Phone: 1300 070 946 (Weekdays between 8:30 am and 8:00 pm AEST – except public holidays)Writing: HIF Pet Insurance, Customer Service Complaints, Locked Bag 9021 Castle Hill NSW 1765Please supply your policy number, if applicable, to enable the complaint or enquiry to be dealt with promptly. Your complaint or enquiry will be dealt with by someone with appropriate authority.2 – Internal Dispute ResolutionIf we haven’t resolved your complaint to your satisfaction, at your request (refer to contact details provided for ‘1 – Immediate Response’), we will escalate your complaint for review by our Internal Dispute Resolution team. All escalated complaints will be acknowledged within one business days of being escalated. The Internal Dispute Resolution team will review your matter and any supporting evidence. After full consideration of the complaint a written final response will be provided that will outline the decision reached and the reasons for the decision.3 – External Dispute ResolutionIn the event that your complaint is not resolved to your satisfaction, or a final written response has not been provided within 30 days, you can refer your complaint to the Australian Financial Complaints Authority (AFCA), provided your complaint is within the scope of the AFCA Rules. AFCA is an independent dispute resolution service provided free of charge.You may contact AFCA at:Australian Financial Complaints Authority (AFCA)Mail: GPO Box 3, Melbourne VIC 3001Phone: 1800 931 678Website: www.afca.org.au Email: email@example.com
"We have five cats and a dog, and they all have pet insurance - we wouldn't be without it! We've used all our policies multiple times, saving ourselves thousands in the process. One cat fractured her paw, another has a recurring UTI, and another needed to have a kidney removed at the after-hours vet clinic. The kidney surgery alone would've cost us $9,000 if we hadn't had insurance! We also have a puppy with gastrointestinal issues and we've already claimed $2,000 back in benefits after only having her policy for a few months. Our pet insurance has proved to be worth it's weight in gold!" - Duncan from WA 2019.
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