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.

Cover information sheets provide a summary of the key features of your cover. They include important information such as benefit limits, sub-limits and annual limits that apply to your policy. You’ll get your cover information sheet when you receive your policy documents.

The fastest and easiest way to make a pet claim is through the Pet Portal. To make a claim you’ll need the following documentation: An itemised invoice (a paid invoice that includes individual treatment items and costs adding up to the total amount paid). Vet consultation notes from your vet’s examination of your pet, For [...]

Benefit Limit(s) and Sub-limit(s) are the applicable amount/s payable in any one Policy Period, in relation to the relevant Cover as specified on your Certificate of Insurance (determined as follows): if a Sub-limit for a particular Cover, item, Condition or Treatment on an individual or per claim basis is specified to apply on your Certificate [...]

Like any insurance policy, some exclusions and conditions apply. Click here to find out what isn’t covered.

Once your policy is active and as long as you continue to renew your policy, your pet will be covered for eligible vet expenses for life. Please note that the Benefit Percentage will decrease on the first renewal after your Pet turns eight years of age for some plans.

A Bilateral Condition is a Condition affecting body parts of which the Pet has at least two, one on each side of the body (for example, ears, eyes, knees and elbows). Bilateral Conditions will generally be covered if you have the appropriate level of Cover, and the Condition is not a Pre-existing Condition or subject [...]

We have specified waiting periods for some conditions or illnesses in each of our plans. These are defined in the Product Disclosure Statement.

Pre-existing condition means a condition that first existed or occurred: prior to the commencement date of the first policy period; or within any applicable waiting period; and which you were aware of, or a reasonable person in your circumstances would have been aware, irrespective of whether the underlying or causative condition has been diagnosed. A [...]

For Pet Primary Cover, there is no upper age limit to purchase a policy. For Indoor Cat and Pet Luxury Cover, you must commence the policy before your pet is 9 years of age. Note that the benefit percentage will vary based on the age of your pet. Once your pet is accepted and as long [...]