Kogan Pet Insurance 2025: In-Depth Review for Australian Pet Owners

Our expert's opinion on Kogan

Last update: 21 June 2025

Discover the offer

4.3

Score

4.3

Score

Jennifer Taylor

Personal finance writer

Kogan Pet Insurance, underwritten by Hollard and distributed by Kogan.com, provides three plan tiers—from entry-level accident and specified illness cover through to Luxury, covering most illnesses up to $15,000 annually and reimbursing up to 80% of eligible vet bills before age 8.
Compared to its main competitors, Kogan stands out for strong annual limits, generous reimbursement up to 80%, the optional wellness add-on, and flexible excess choices ($0/$50/$100), with a pricing strategy that is competitive for broad accident/illness coverage but not ultra-budget.
This policy fits best for young pets (entry from 8 weeks), multi-pet families, and owners of both mixed and purebred animals seeking higher benefit caps with customisable excess—especially those looking for access to value-added services like GapOnly® and VetChat.
Kogan.com Ltd is a major Australian e-commerce brand; the insurance is backed by Hollard, one of the largest underwriters in the sector ($1bn+ written premiums in AU pet insurance, 2023), supporting strong financial reliability; Trustpilot shows no large-volume ratings specific to Kogan Pet Insurance as of July 2024, but Finder rates customer satisfaction at 4.3/5 (13 reviews), and claims are typically processed within 10 to 30 business days, consistent with industry standards.

Pros

• ✅Up to $15,000 annual limit (Luxury plan)
• ✅80% reimbursement for pets under 8 years
• ✅No maximum entry age on lower tiers
• ✅GapOnly® and 24/7 VetChat access
• ✅Routine Care cover optional on all plans
• ✅Multiple excess options: $0, $50, $100
• ✅Overseas travel cover (NZ/Norfolk Island)

Cons

• ❌Dental not covered except tumours
• ❌No unlimited annual benefit option
• ❌Reimbursement drops sharply at age 8+
• ❌Some sub-limits for specific conditions
• ❌No detailed Trustpilot data available

Discover the offer

4.3

Score

4.3

Score

ProsCons

• ✅Up to $15,000 annual limit (Luxury plan)
• ✅80% reimbursement for pets under 8 years
• ✅No maximum entry age on lower tiers
• ✅GapOnly® and 24/7 VetChat access
• ✅Routine Care cover optional on all plans
• ✅Multiple excess options: $0, $50, $100
• ✅Overseas travel cover (NZ/Norfolk Island)

Our expert's opinion on Kogan

Last update: 21 June 2025

Jennifer Taylor

Personal finance writer

Pros

• ✅Up to $15,000 annual limit (Luxury plan)
• ✅80% reimbursement for pets under 8 years
• ✅No maximum entry age on lower tiers
• ✅GapOnly® and 24/7 VetChat access
• ✅Routine Care cover optional on all plans
• ✅Multiple excess options: $0, $50, $100
• ✅Overseas travel cover (NZ/Norfolk Island)

Cons

• ❌Dental not covered except tumours
• ❌No unlimited annual benefit option
• ❌Reimbursement drops sharply at age 8+
• ❌Some sub-limits for specific conditions
• ❌No detailed Trustpilot data available

Discover the offer

4.3

Score

4.3

Score

ProsCons

• ✅Up to $15,000 annual limit (Luxury plan)
• ✅80% reimbursement for pets under 8 years
• ✅No maximum entry age on lower tiers
• ✅GapOnly® and 24/7 VetChat access
• ✅Routine Care cover optional on all plans
• ✅Multiple excess options: $0, $50, $100
• ✅Overseas travel cover (NZ/Norfolk Island)

Kogan Pet Insurance, underwritten by Hollard and distributed by Kogan.com, provides three plan tiers—from entry-level accident and specified illness cover through to Luxury, covering most illnesses up to $15,000 annually and reimbursing up to 80% of eligible vet bills before age 8.
Compared to its main competitors, Kogan stands out for strong annual limits, generous reimbursement up to 80%, the optional wellness add-on, and flexible excess choices ($0/$50/$100), with a pricing strategy that is competitive for broad accident/illness coverage but not ultra-budget.
This policy fits best for young pets (entry from 8 weeks), multi-pet families, and owners of both mixed and purebred animals seeking higher benefit caps with customisable excess—especially those looking for access to value-added services like GapOnly® and VetChat.
Kogan.com Ltd is a major Australian e-commerce brand; the insurance is backed by Hollard, one of the largest underwriters in the sector ($1bn+ written premiums in AU pet insurance, 2023), supporting strong financial reliability; Trustpilot shows no large-volume ratings specific to Kogan Pet Insurance as of July 2024, but Finder rates customer satisfaction at 4.3/5 (13 reviews), and claims are typically processed within 10 to 30 business days, consistent with industry standards.

Discover the offer

Why Trust HelloSafe?

At HelloSafe, our pet insurance experts thoroughly review the terms and pricing of insurance policies available in the Australian market each year, ensuring you receive reliable and unbiased analysis. Thanks to this comprehensive approach, hundreds of thousands of Australians trust us every month to help guide their most important financial decisions.

Kogan Guarantees

Kogan offers three tiers: Pet Primary, Pet Value, and Pet Luxury, each designed for increasing levels of protection with annual limits from $8,000 to $15,000 and reimbursement rates of 70–80% depending on age and plan.
All plans cover accidental injuries, but illness coverage is restricted to specified conditions in Primary and Value, while Pet Luxury covers all illnesses not expressly excluded, including hereditary or congenital conditions if not pre-existing.

Routine care coverage, including preventive treatments and dental scaling, is available only as an optional add-on for all plans, and dental disease or procedures are excluded except under this option.

Key strengths include strong annual limits, access to VetChat and GapOnly for hassle-free claims, and flexible excess options; weaknesses are the lack of comprehensive dental cover, reduced reimbursement rates for older pets, and significant restrictions on what illnesses are covered in the lower tiers.

Important Information Regarding Coverage

Routine Care (wellness/vaccines/microchipping/teeth) is optional and covers limited specified items per year; dental is always excluded unless added and never for dental disease. Cruciate ligament benefit is capped at $2,600 and subject to a 6-month wait (may be waived with vet form). VetChat and GapOnly® are included for claims support. Claims can be submitted online, by post, or via your vet. Sub- and annual limits for some categories may apply—see PDS or your Certificate for exact values.

Compare Kogan pet insurance plans to find the coverage and price best suited to your needs.

Kogan Exclusions

Kogan pet insurance has wide-ranging exclusions, most notably the exclusion of all pre-existing, chronic, and bilateral conditions, which aligns with standard market practice but offers very limited path to re-inclusion.
Dental procedures, including treatment of fractured teeth and dental disease, are entirely excluded from all plans unless specifically added via a wellness option—and even then, only limited cleaning is possible, not disease or injury.

Preventive treatments, elective and cosmetic procedures, breeding, and alternative therapies are systematically not covered except for selected services under an optional Routine Care benefit.
Unlike some competitors, Kogan also excludes most behavioural and psychological conditions, prosthetics, experimental treatments, and parasite-related illness (except tick paralysis).

Kogan Prices

Kogan sits comfortably in the mid-range of the Australian pet insurance market, offering strong annual limits and a fully digital claims process that helps keep premiums competitive versus traditional providers.
Reimbursement rates are average, and the mix of flexible excess options and optional routine care add-ons allows users to customise coverage and manage costs.
<br/>
While its entry-level plans are quite affordable, primarily due to their limited illness coverage, the comprehensive Luxury plan offers above-average protection for a reasonable price bracket, though routine dental and breeding cover remain notably excluded.
<br/>
Kogan’s value is best for owners seeking balance: decent coverage at a fair monthly premium, with savings made possible thanks to low overheads as a direct, online-first insurer.

For the best deal, compare Kogan plans side by side to match your coverage and budget needs.

Kogan Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

What reimbursement amount can I expect from Kogan?

With Kogan’s Pet Luxury plan, you’re reimbursed for eligible costs at up to 80% (if your pet is under 8 years old), after any chosen excess (deductible) is applied—making it easier to manage significant vet bills and keep your out-of-pocket expenses predictable.

Cruciate Ligament Surgery Reimbursement Example

Total vet costs: $2,800

Deductible amount: $100

Amount reimbursable after deductible: $2,700

80% reimbursement: $2,160

You receive a reimbursement of $2,160.

ℹ️ The remaining out-of-pocket cost is $640. The annual benefit limit for this condition is $2,600, so if total claims exceed this, only $2,600 will be reimbursed for all cruciate ligament claims per year.

Hospitalisation for tick paralysis (cat)

Total vet costs: $1,500

Deductible amount to subtract: $50 (selected lower excess per claim)

Amount reimbursable after deductible: $1,500 – $50 = $1,450

80% reimbursement: $1,450 × 80% = $1,160

👉 You receive a reimbursement of $1,160.

ℹ️ If the excess has already been paid for an earlier claim, subsequent claims in the same policy year may attract another excess per claim, based on your chosen option.

Preventive dental scale and polish (dog, Routine Care add-on)

Total vet costs: $250

Deductible amount to subtract: $0 (Routine Care—no excess applies)

Routine Care annual limit: $100 for dental cleaning

Amount reimbursed: $100 (annual sub-limit reached)

👉 You receive $100 reimbursement, and pay $150 out-of-pocket.

ℹ️ Preventive care benefits apply only if you have chosen the Routine Care option; limits vary by treatment.

Kogan Assistance

Customer Reviews of Kogan

We analysed reviews from the sites listed above. On the positive side, customers who subscribed to Kogan for their pets often mention:

• ✅ An easy and fast claims process, commonly regarded as convenient through the online portal or GapOnly® network.
• ✅ A solid annual limit, especially with the Luxury plan, is appreciated for providing reassurance in case of major incidents.
• ✅ The inclusion of VetChat and emergency boarding are highlighted as practical add-ons.
• ✅ The $10 Kogan.com credit per month for policyholders is seen as a useful added value.

On the negative side:

• ❌ An absence of standard dental coverage, even in the top plan, is a recurring source of disappointment.
• ❌ Some find the reimbursement rates only average and wish for premium cover options.
• ❌ The lack of a dedicated mobile app and few payment facilities are noted as drawbacks.
• ❌ Policy exclusions, especially for pre-existing and dental conditions, are frequently mentioned as a limitation.

How to Contact Kogan

FAQ

Jennifer Taylor

Personal finance writer

Jennifer is an Australian personal finance writer passionate about helping people take control of their financial lives. She holds a degree in Economics from the University of Melbourne and completed a postgraduate diploma in Financial Planning at UNSW. Before joining HelloSafe, she worked in both consumer finance and digital publishing, focusing on simplifying complex financial topics for a wider audience. At HelloSafe, Jennifer creates clear and practical content about insurance, loans, savings, and budgeting—tailored to the realities of everyday Australians looking to make smart money decisions.