HIF Pet Insurance

As well as being a health insurance provider, HIF also offers pet, travel and visitor insurance.

What types of pet insurance does HIF offer?

HIF pet insurance offers three levels of cover: 

  • Basic: cover for accidental injury, ingesting foreign objects, poisoning, toxicity and treatment of paralysis tick and snake bites. 
  • Middle: in addition to everything covered by the Basic product, this provides cover for cancer treatments, joint dislocations, intervertebral disk disease (a condition affecting an animal’s spinal column) and some developmental problems. 
  • Top: HIF’s most comprehensive pet insurance product, it includes eligible vet expenses for covered illness or accidental injury.

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What type of pets does HIF pet insurance cover?

HIF offers pet insurance for dogs and cats.

What is not covered by HIF pet insurance?

HIF pet insurance does not provide cover for pregnancy, elective procedures, the cost of pet foods, grooming or pre-existing conditions. Read HIF’s Product Disclosure Statement (PDS) for a full list of exclusions. 

What is the age limit for pets covered by HIF pet insurance?

HIF says you can insure your dog or cat after they are eight weeks old and before they are nine years old on its Middle and Top covers. HIF says there is no upper age limit for its Basic cover. 

Once you have insured your pet, HIF says it is available for the life of your pet, provided you continue to renew your policy. HIF says your cover level will not be reduced as your pet ages, provided you continuously maintain the cover. Additionally, HIF says it will not cancel your policy on the basis of your pet’s age.

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HIF pet insurance FAQs

HIF does not state that you need to provide your pet’s medical records in order to apply for and take out its pet insurance. However, it says you will need to provide your pet’s complete veterinary history as part of the claims process.

Yes, HIF says you can take your pet to any registered vet in Australia.

At the time of writing, HIF’s Basic cover has an annual benefit limit of $5,000, its Middle cover has an annual benefit limit of $8,000 and its Top cover has an annual benefit limit of $15,000. Sub-limits apply for certain procedures and treatments. For example, the annual paralysis tick benefit is $1,250 on all covers. 

On HIF’s Basic and Middle pet insurance plans, you can choose to receive up to 65% or 75% of eligible vet bills back. On HIF’s Top pet insurance plan, you can choose to receive between 60%, 70% and 80%.

If you’re looking to take out pet insurance, you can compare policies in Canstar’s pet insurance comparison tables. You can then either get a quote on HIF’s website or call HIF.

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You can lodge a claim with HIF online through its ‘Pet Pawtel’ or by post. If you need help with this process, you can call or email HIF. 

HIF says you must submit your claim within 90 days of your pet receiving treatment. You’ll need to get your vet to fill out a section of the claim form and if you are claiming for the first time, you’ll also need to attach your pet’s complete veterinary history from both current and previous veterinary clinics.

HIF says it will automatically renew your pet insurance policy if you choose not to cancel or change it. HIF says it may change the terms and conditions of your policy to reflect factors such as your pet’s age, location and medical history.

Consider comparing pet insurance policies before renewing your existing policy to ensure you are still receiving the cover that’s right for you and your pet. You can compare a range of pet insurance policies on Canstar’s database:

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HIF was established in 1954 as the Western Australian Government Railways Hospital and Medical Benefits Fund. In 2010, it changed its name to Health Insurance Fund of Australia to reflect its increasingly nationwide membership base. HIF says it is a not-for-profit member-focused insurer.

Written by: Tamika Seeto | Last updated: July 26, 2019