Bupa Pet Insurance

Bupa is a provider of pet insurance as well as home, health, travel and car insurance.

Compare Bupa pet insurance

Bupa Logo

The table below displays a snapshot of pet insurance policies with accident and illness cover on Canstar’s database with links to providers’ websites, sorted by Star Rating (highest to lowest). These results are based on cover for a one-year-old medium dog breed.


Compare Pet Insurance

What types of pet insurance does Bupa offer?

Bupa offers three different levels of cover:

  • Basic (accident only): Budget-friendly cover for your pet against accidental injury
  • Standard (accident & illness): Cover for your pet in the case of accidental injury and illness
  • Ultimate (accident, illness & routine care): Cover for your pet in the case of injury and accidental illness, along with cover for routine care items

If you’re unsure as to which kind of pet insurance is most appropriate for you, or would like to better understand the different levels of cover, check out our guide to the different kinds of pet insurance.

Compare Pet Insurance

What breed of pets does Bupa pet insurance cover?

Bupa covers dogs of small, medium and large breeds, as well as cats. It has specialised policies for each of these animals, as they have vastly different requirements and health concerns.

Compare Pet Insurance

How do you take out pet insurance from Bupa?

You can purchase a Bupa pet insurance policy easily by generating a quote online. All you need to provide is:

  • Your pet type (dog or cat)
  • Their name and breed
  • Their approximate date of birth
  • Their gender and whether they are desexed or not

If you’re an existing Bupa health insurance customer, then you can get a 10% discount off your premiums. In addition, there is a 5% per-pet discount for extra pets you have covered under Bupa.

Compare Pet Insurance

Bupa FAQs

Bupa expressly lists some illnesses and injuries as exclusions that are not covered by its pet insurance. Some of these exclusions include pregnancy, pre-existing conditions, elective procedures, grooming, behavioural problems and more.

It’s important to read the Product Disclosure Statement to find any exclusions listed in a policy and to also consider what illnesses your pet may need coverage for. For more information about what’s not covered by some pet insurance policies, check out our list of 13 common pet insurance exclusions.

Bupa has a maximum age limit of nine years for its standard and ultimate policies and no maximum entry age for the basic one, while the minimum entry age is eight weeks old. However, these policies come with lifetime renewal, which means your provider won’t cancel your policy due to an ageing pet, as long as you continue to meet your requirements as a customer.

It’s important to check with your chosen provider to see if they have an age limit on their policies – older pets tend to be more expensive to cover as they are much more likely to suffer from illness or injury than younger pets.

You may have to provide a medical history during your first claim (more on this later) or when challenging your provider on whether something is classified as a pre-existing condition.

Yes, Bupa allows you to visit any registered vet in Australia.

Yes. The annual benefit limit for the ultimate cover is a maximum of $20,000, while the basic policy has a benefit limit of $6,000. Find out more about pet insurance benefit limits and how much you can claim here.

Bupa allows you to receive a reimbursement of up to 80% of your vet costs for each of its three policies. The reimbursement you receive will depend on the age of your pet and your choice of insurance cover.

You can lodge a claim with Bupa online by accessing its customer portal and uploading a copy of the invoice and vet notes from your last consultation. If its your first time claiming, you will need to provide a full medical history.

Your Bupa pet insurance policy will automatically renew if you choose not to alter or cancel it after receiving your renewal notice. If you’re not sure whether to renew or switch, here’s our guide to renewing your pet insurance policy.

Make sure you compare pet insurance policies before simply renewing the same policy, so that you continue to get outstanding value insurance at the right price:

Compare Pet Insurance

Bupa was founded in the UK, and they established themselves in the 1930s in Australia to help people cover the cost of their hospital treatment. They were formed by three main health providers: HBA, MBF, and Mutual Community. Today, Bupa are present in over 190 countries and now offer pet insurance, home insurance and life insurance.

Bupa has an amazing list of online health tools and calculators that you can use to track your progress towards your health and fitness goals. Mobile apps from Bupa Australia that can help you find a healthier you include:

  • Bupa App: Make a health insurance claim on the go. Find a healthcare provider near you. Update your policy’s details or change policies.
  • medAdvisor: Your pocket pharmacist, reminding you to take your meds at the right time and how to take them safely.
  • FoodSwitch: Create shopping lists and find healthier versions of each product. Filters include diets to reduce salt, reduce fat and cholesterol, reduce kilojoules (calories), reduce sugar, and gluten-free.
  • Choosing a care home: Work through checklists to find an aged care home near you, evaluate the services provided by the home, and look for the signposts of quality care.
  • Health age calculator: Try this calculator to work out where you need to make changes to get your fitness on track.

We highly recommend the live well food series on Bupa Australia’s YouTube channel. Bupa also ask the Australian public many important health questions such as “How do you get a baby to sleep?” and “Do you find it hard to talk about cancer?


Source: Bupa Australia

Bupa also works to protect our environment. Since 2014, Bupa have invested more than $17 million in renewable energy, technical energy upgrades, and employee engagement projects towards their environmental sustainability goals. Bupa was been recognised as the 2015 ABA100 Winner in the Australian Business Awards (ABA) for Sustainability for their carbon reduction measures.

Written by: William Jolly | Last updated: