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Bupa Pet Insurance

Bupa Pet Insurance

 Verifiedbupa.com.au
Bupa Pet Insurance
3.4

186 reviews

Positive vs Negative
61%39%
Claim Resolution Time
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
2.8
Customer Service
3.1
Value for Money
2.9
1 Rachael  · Not worth the paper it is written on. Was with rspca for years and they are amazing
5 Dinusha S  · I really appreciated the service of Leora at customer service. She really went out of her way to help me out in my difficult situation. Thank you so much
5 Yee Ping Chong  · Katrina was very patient in answering my questions and provided further clarification on my furbabies insurances.
5 Jeslyn   · The consultant was very helpful and solved my problems and I was very satisfied
5 huda  · great help- resolved what i needed – great help from customer service person, very professional. Will recommend
5 Jie Zhou  · Excellent Kai – Really appreciate Kai's help today. She is very patient and helpful.
Anju
AnjuNSW
  Standard

Worst service. Before surgery, we needed approval for both the surgery and a CT scan, but Bupa asked us to wait 2 business days and couldn't even tell us whether our insurance would cover the procedures. Why am I paying $80 fortnightly if customer service can't clearly explain what is covered when I call? Very disappointing experience. I would not recommend Bupa. Show details

Bupa
Bupa    

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James O.
James O.
  Ultimate

My experience with bupa pet insurance was very disappointing, they don’t give customers very much options, basically forces people into having an excess applied to their policy because they can’t afford the high premiums. I submitted a few small claims, and have virtually received nothing after the excess gets deducted. For these insurance… Read more

companies, it’s profit Thats all they care about they don’t care about customers that keep them in business. I will never give this company my business again. Very disappointed

Bupa
Bupa    

Hi James, Thanks for taking the time to share your concerns… Read more

Positive reviews

Candy P.
Candy P.NSW
  Ultimate

Bupa is by far the best pet insurance that I have dealt with..They have helped me out numerous times & the staff are friendly & helpful. I appreciate what they have done for me and i am happy to be their customer☑️ Thanks Bupa Pet Insurance☑️ Show details

Leanne
LeanneSA
  Basic

The service I received when I called to enquire about my pet insurance was one of the best customer service experiences I've had. I'm so happy that I chose Bupa to insure my fur baby. She is so precious to us and I left the conversation feeling like Bupa cared about her as much as I do. Thank you so much. Show details

Paul
Paul6 posts
  Verified Basic

Have had this basic (dog) cover for over 8 years, when transferred from another company (4 years) that decided to no longer provide pet insurance cover. So 12 years cover from new puppy to (now) a 12 year old Border Terrier still healthy and enjoying life at a slightly slower pace. Discussed the renewal with BUPA who, as a thank you for long term… Read more

loyalty - 8 years pet, over 50 years personal health, - offered to waive the first 3 months of the renewed policy. This was gratefully accepted as there was the usual annual increase in premiums, and as pensioner, this offer has saved me a substantial amount of money. I appreciate the interaction with 'Rome', the BUPA consultant who was considerate and understanding. This has reinforced my own loyalty to BUPA, and will hopefully continue for many more years.

Negative reviews

Mitch
MitchWA3 posts
  Standard

Bupa pet insurance really sucks. Before getting the insurance years ago, I went to the vet because my cat was vomiting, not knowing what it could be. It was really nothing, he is very hairy and was vomiting to get rid of hair balls. After I got the insurance, I went again for a check up, he was again vomiting for a few days, Bupa used the… Read more

pre-existiting condition to deny payment just because I mentioned the word vomit. For years the cat has been healthy, recently I went to the vet because the cat lost weight, and guess what, I mentioned vomit as another symptom and Bupa used that to deny payment. I had another insurer already and they automatically accepted my claim, no more questions and for 100 dollars less in premium. Bupa is a rip-off, don't go near it.

Bupa
Bupa    

Hi Mitch, Thanks for taking the time to share your feedback… Read more (+1 reply)

Adrian and Chrissy
Adrian and ChrissyVIC3 posts
  Verified Standard

READ THE FINE PRINT OF THE POLICY VERY CAREFULLY - there are caps and limits on everything. We have had BUPA pet insurance for almost 10 years and, given we have a French bulldog, premiums started at around $40 per months and have increased to over $250 per month. Thankfully, we have not had to access the policy much for major trauma, but given… Read more

our furbaby is ageing, we have had a few minor issues (and not out of the ordinary reasons) to claim this year!.\ The policy we have has an excess which far exceeds a normal vet consultation fee. So we cannot claim for a consult in most instances - and once we can, there is a limit which is exhausted in 2 claims. We had a cyst removed from her leg (surgery) and they applied the skin condition limit to this which resulted in a $20 rebate (1% of the cost of the surgery). The premiums have been sky-rocketing and you need to be very aware of this. Most of what I would consider to be normal reasons to visit your vet are capped and limited. The premiums we have paid vs the value we get back doesn't add up. PLEASE DO YOUR HOMEWORK BEFORE TAKING OUT THE POLICY.

Bupa
Bupa    

Good morning, Thanks for taking the time to share your… Read more (+1 reply)

Angela N.
Angela N.VIC
  Standard

Originally, it was good with claims (only ever claimed back 2 items, $200 in total). Then premiums skyrocketed and I found cheaper cover elsewhere. I cancelled my insurance and they responded with “respond in 5 days and we will give you 2 months free insurance, if we don’t hear from you your insurance will be cancelled as requested”. Several… Read more

months later, and they’re still deducting premiums from me. I have contacted them and no response whatsoever…

Bupa
Bupa    

Hi Angela, Thanks for taking the time to share your… Read more

Recent reviews

Subina S.
Subina S.
  Ultimate

Bupa has one of the best customer service among the pet insurance companies. We've been with bupa almost for 1.5 years, and they've been great, quick with the claim. 24/7 live vet is a huge plus. Show details

Fernanda M.
Fernanda M.
  Ultimate

Rome was the best on the phone and I just want to say how much me and my dogs loves bupa. They are always patient, caring and kind. I wouldn’t recommend enough. Show details

boni white
boni whiteQLD2 posts
  Standard

I have been with Bupa for a lifetime. Pet Insurance for our new Pet Lucy was very affordable and easy to claim vet visits with Gap Policy. My Policy was set up with Jessie speedily very happy with service and Product. Show details

  • Thumbnail
EmiW
EmiWWA2 posts
  Standard

Disgusting, after years of paying premiums my pet had an issue. BUPA charged me excess twice for the same condition as it rolled across the policy period renew, despite the policy renew occurring automatically, with no changes in cover. I understand this is part of the PDS, but again, just another example of how BUPA are taking advantage of customers. Show details

Bupa
Bupa    

Hi there. Thanks for your feedback. We’d encourage you to… Read more (+1 reply)

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Taro
TaroVIC6 posts
  Bupa Pet Insurance

Excellent customer service and very understanding and knowledgeable from Kai. Also very friendly and nice to talk to, very happy with my experience with his service. Show details

Damien B.
Damien B.3 posts
  Standard

Be careful.. once you sign up they continue to take your money year on year, raising premiums without any notification, updates or requirement to renew. Getting access to your account is difficult. Show details

Bupa
Bupa    

Hi Damien, Thank you for taking the time to share this… Read more

Kay
Kay2 posts
  Standard

I recently requested to cancel my insurance policy, and immediately after, my account access was revoked despite the policy still being active. When I called customer service, I was told to submit my claim via postal mail. Additionally, the insurance premiums are higher compared to other providers, and claims are rarely covered. Show details

Bupa
Bupa    

Hi Kay, Thanks for your feedback. We’d encourage you to… Read more

Donna H
Donna HQLD
  Basic

I have had BUPA pet insurance for the last 16 years and have been very happy with the prompt refunds and customer service that I have received. The website is extremely easy to use and the claims processed quickly. I will definitely remain with them for my insurance. Show details

Kimbo J
Kimbo JQLD24 posts
  Ultimate
Transparency
Customer Service
Value for Money

Not flexible – The policy was comprehensive and covered most aspects for both of our dogs when we made our first claim after four years. However, due to the rising cost of living, we had to cancel. Since our dogs are now 13 years old and past the 7-year threshold, we weren’t able to downgrade to a more affordable plan. Unfortunately, once a dog turns 8, finding… Read more

alternative insurance is nearly impossible.

Cancelling was our only choice. It’s disappointing that Bupa couldn’t offer any flexibility, as they’ve now lost $7,000 a year from us. Had they been more accommodating with their premiums, we would have continued with the policy. That said, at least now we can redirect that money elsewhere instead of paying for something without tangible benefits. We also had a 10% discount for having human extras cover, which I’ll likely be cancelling as well.

We did face one issue with a claim that was initially rejected. The vet lodged it before receiving the full histology report, so it was assessed as a simple skin condition when, in reality, it was a cancerous cyst. I appealed, and after reassessment, the claim was approved. Still, I find it baffling that a cancerous tumor could have been misclassified as a skin issue—any layman could have looked it up and understood the difference.

Additionally, the per-condition excess is unreasonable, and their delay in adopting gap-only payments was frustrating. It’s also disappointing that dental care isn’t included in the Ultimate package by default. A top-tier plan should cover this without requiring it as an optional extra. At the very least, they could offer a free dental cleaning every other year for customers who haven’t made a single claim!

Bupa
Bupa    

Hi Kimbo, Thanks for taking the time to share your concerns… Read more (+1 reply)

Belinda
Belinda12 posts
  Verified Standard

Good service – I had misunderstood the claim coverage and left a negative review - Gertrude called and talked me through the policy and I realised the policy is on a par with other providers. It was good service and right now I'll stay with BUPA but will shift to the zero excess next year. Show details

Megs.ee
Megs.eeNSW3 posts
  Ultimate

Extremely reliable – Bupa has always been consistently good when it comes to their customer service. Wait times are low and the quality of help is high. Today I spoke to Kai who went above and beyond to understand and then help me with my needs today. If my own personal health insurance experience with Bupa is anything to go by, claiming will be an easy,… Read more

straightforward process giving me the ability to place my focus elsewhere. Highly recommend BUPA, I won’t be leaving anytime soon.

Stuart B.
Stuart B.
  Standard

Essentially no cover under this insurance – Worst pet insurance. We changed from RSPCA (where they paid 80% of every claim) to Bupa as it was cheaper and we were Bupa health insurance customers. Thinking we would receive the same cover (was only marginally cheaper), we were shocked when after paying 10months of premiums we had 2 claims, both of which were totally rejected (ear infection and… Read more

vaccine $250, and teeth clean and removal-$1500). What is the point of paying if there's no cover? Will be cancelling immediately.

As an update on my case, they reviewed the case and agreed some weren't pre-existing conditions and so agreed to a benefit, BUT then stated there is a $200 excess for every case, so then you get nothing. HOW INSULTING !! So again, you will get NOTHING from this pet insurance. Save your money, put it in the bank and just pay any costs that come up.

Liam C.
Liam C.
  Standard

Great value for my bulldog Nancy – I’ve been with bupa pet insurance for 6 years for my bulldog Nancy. The policy has been fantastic value and bupa have been great to deal with. Just recently I had a great experience with Katrina. I would definitely recommend. Show details

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Amie E.
Amie E.
  Standard

Great customer service – Nathan was incredibly helpful in helping me navigate the online portal step by step. I am now able to submit claims online successfully thanks to their guidance. Show details

Mish
Mish5 posts
  Standard
Transparency
Customer Service
Value for Money

Not computer savvy Gen made me feel comfortable & not feeling like I was stupid – Being not computer savvy after numerous phone calls to help - I was fortunate to have Gen ring me back to walk me through all my problems in setting up my account . Gen was patient & very helpful & I didn’t feel like a idot under her guidance (plus she spoke kindly & slowly ) Nor did she sigh & belittle me like someone else - Show details

Diana M
Diana M
  Ultimate

Change the level of Pet Insurance cover – Eka, the person with whom I liaised at BUPA Pet Insurances, was extremely informative, patient and helpful. Unfortunately, however, she could not downgrade my cat's level of cover because my cat is too old. However, she has assured me that as a goodwill gesture I will receive a 25% discount on my cat's level of cover. Show details

Scoops
ScoopsSA5 posts
  Standard

Pet insurance beyond our means – I've had my dog insured with Bupa since he was a puppy in 2018. The price has risen dramatically since then and as pensioners who have our own health insurance with BUPA, the fact that our dog's insurance was a lot more than ours caused us to query whether we could continue to insure him. We have not made a single claim for him, but regularly… Read more

claim for ourselves. I spoke to Matt today who was very understanding and offered us a significant reduction in the Pet Insurance cost. This has been a great help, and we wish to thank Matt and BUPA for caring enough to help.

Claire P.
Claire P.QLD3 posts
  Ultimate

Worst pet insurance – Bupa pet insurance is the worst. You have to pay $200 excess on every claim. Therefore having pet insurance and claiming back will never happen, unless what your claiming for is over $200. Skin problems, eys etc are under $200! I don't recommend them and will cancel my policy and also my health insurance. Show details

Tim K.
Tim K.NSW6 posts
  Standard

I Recommend Bupa Pet Insurance – I have never had the need to make any pet insurance claim until this week when my dog was attacked by an off-leash German Shepherd. The vet bill was $1400. After I paid I remembered I had insurance. This is sequence of events: My dog treated under anesthetic Tuesday 14th May 2024. Lodged online claim 15th am - took 3 minutes, uploaded itemised vet… Read more

bill and proof of payment Email confirming assessment and payout 16th pm Payment 16th pm exactly as per exectation, 80% of bill less excess. Amazing service - thanks Bupa

Lesley Anne M.
Lesley Anne M.NSW
  Standard

One happy Pet Owner – I had trouble getting onto the Pet Login portal. I was transferred to correct section, the lady was incredibly helpful and solved my problems as well as updated my information. My experience was pleasant. . Show details

Steve
SteveVIC4 posts
  Standard

Caring for my Pets – Being with Bupa Pet Insurance for so many years and with all the assistance they have provided us and our pets, I HIGHLY recommend them to anyone who is looking to get pet insurance. Having a great conversion with Bjorn in customer service has placed more belief in great people helping. I thank you Bupa Pet Insurance Show details ·  1

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