Bupa

Bupa Company Profile and Products

Bupa is an international healthcare group headquartered in the UK.  They provide a range of health products including dental services, health assessments, care homes, health insurance, and hospitals.  They are also one of the leading providers of pet insurance in Australia.

Bupa was established in 1947 as British United Provident Association.  It was created with the goal of providing healthcare services to the general public.  It is a non-profit private company with no shareholders.  That means all after-tax profits are re-invested into the company and its services.

The company has grown to become one of the largest providers of health insurance in the world, with millions of customers in Australian and New Zealand.  They have also become a major player in the pet insurance market within Australia.  

They offer three excellent pet insurance plans that are affordable and packed with features.  They are called the Basic (Accident only), Standard (Accidental Injury

and Illness), and Ultimate (Accidental Injury and Illness) plan.  Their pet insurance policies are underwritten by The Hollard Insurance Company Pty Ltd, one of the world’s largest financial services companies.




Animals Covered by Bupa Pet Insurance

  • Dogs older than 8 weeks of age
  • Cats older than 8 weeks of age

Pets older than 9 years of age will only qualify for accident-only cover.  The only way to obtain illness cover is to register them at a younger age and continuously pay their premiums.  Accident-only cover is available for pets of any age. 

The Benefits of Bupa Pet Insurance

Veterinary fees have increased substantially in the past decade.  It is now common for treatments to cost thousands of dollars.  For a small monthly premium, Bupa pet insurance will help you pay for any veterinary bills that occur from an accident or illness.

Having Bupa pet insurance means you can afford to treat your pet if they suddenly become unwell.   You won’t be forced to choose between your financial health and the health of your pet.  Bupa will pay up to 80% of the cost of your pet’s care with an annual cap of up to $20,000.  

Signing up for Bupa pet insurance means you can take your pet to any licensed veterinarian across Australia.  Because the insurance company is paying a portion of your vet bills, you will be able to afford the best care possible.

Another advantage of having Bupa pet insurance is that you are more likely to take your pet to the vet immediately if you suspect an illness.  Even if your pet is fine, the insurance policy will help pay for the cost of the visit.

The Pet Insurance Plans Offered by Bupa

Bupa offers consumers three different policies to choose from.  The key features of those policies are:

Bupa Basic Pet Insurance (Accident Only)

  • $6,000 annual benefit limit for veterinary bills relating to accidental injury
  • 80% back on eligible bills
  • $0, $100 and $200 excess options
  • 6 month waiting period for cruciate ligament conditions
  • $300 per year for consultations and vet visits
  • Up to $2,600 for cruciate ligament conditions
  • Up to $500 boarding fees limit

Bupa’s Basic pet insurance plan covers veterinary costs that arise after your pet has suffered an accidental injury.  It is a useful plan for pet owners with young and healthy pets, whose main concern is accidental injury.  This policy has an annual benefit limit high enough to handle common accidents like bite injuries and broken bones.  It is also quite affordable!




Bupa Standard Pet Insurance (Accident and Illness)

  • $12,000 annual benefit limit for veterinary bills relating to accidents and illnesses
  • 80% back on eligible bills
  • $0, $100 and $200 excess options
  • No waiting period for accidental injury; 30 days for illnesses; 6 month waiting period for cruciate ligament conditions
  • $300 per year for consultations and vet visits
  • Up to $2,600 for cruciate ligament conditions
  • Sub limits include skin conditions ($500), Paralysis Tick Benefit ($1,000), and Emergency Boarding ($1,000)
  • Optional routine care benefit provides $200 per year


This is an affordable option for pet owners interested in obtaining accident and illness coverage for their pet.  It has a generous annual benefit limit, optional routine care, and covers most illnesses.

Bupa Ultimate Pet Insurance (Accident and Illness)

  • $20,000 annual benefit limit for veterinary bills relating to accidents and illnesses
  • 80% back on eligible bills
  • $0, $100 and $200 excess options
  • No waiting period for accidental injury; 30 days for illnesses and alternative therapies; 6 month waiting period for cruciate ligament conditions and dental work
  • $300 per year for consultations and vet visits
  • Up to $2,600 for cruciate ligament conditions
  • Sub limits include skin conditions ($500), Paralysis Tick Benefit ($1,500), and Emergency Boarding ($1,500)
  • Optional routine care benefit provides $200 per year
  • Optional alternative treatment benefit up to $1,000 per year
  • Optional dental illness cover up to $500 per year

Bupa’s Ultimate pet insurance policy has a huge $20,000 annual benefit limit.  It has some excellent optional extras including dental and alternative treatment coverage. 

What Conditions and Treatments Aren't Covered?

The major exclusions on Bupa pet insurance policies include:

  • Pre-existing conditions
    Any conditions that your pet had before obtaining coverage
  • Dental care
    Similar to most insurance policies, dental care is not included (with the exception of optional dental care cover in the Ultimate plan)
  • Day to day care
    The kinds of expenses that arise from day to day are not covered by the plan.  That includes prescription foods, preventative procedures, grooming and bathing expenses, pet accessories, and training costs
  • Animals used for commercial purposes
    Most types of working dogs cannot be covered by pet insurance
  • Alternative therapies
    Treatments involving homeopathic remedies, acupuncture, laser therapy, chiropractic treatments and/or physiotherapy are not covered.
  • Behavioural problems
    Injuries or illnesses that occur because of a behavioural problem are not covered
  • Elective procedures
    Elective procedures including tail docking, debarking, and cosmetic procedures are not covered.
  • Illnesses that are preventable with a vaccine
    If your pet becomes ill because they were not vaccinated, you will not be covered.

Why Choose Bupa?

Bupa pet insurance is a fantastic option for Australian pet owners.  Some of the reasons to go with Bupa include:

  • A trusted provider of heath insurance
    Bupa has been in business since 1947 and is a trusted name in the health industry.  They are one of the more trustworthy and reputable providers of pet insurance products.
  • Optional dental and alternative treatment coverage
    Most Australian pet insurance providers don’t offer any coverage for dental and alternative treatments.  Bupa’s Ultimate plan offers $500 for dental and $1,000 for alternative therapies each year, which is very useful. 
  • Low excess payments and $0 excess
    The excess payments for these plans are among the lowest in the industry.  The $0 excess option is excellent for pet owners with an older pet that is more likely to visit the vet often.
  • Affordable
    Bupa has priced their policies very well, given the excellent features they offer.

Bupa

Get a free no-obligation quote from Bupa pet Insurance!