Provider ReviewBest Not-for-Profit
HCF Pet Insurance Pet Insurance Review 2026
7.5
/10
HCF Pet Insurance is Australia's only not-for-profit pet insurer — profits go back to members, not shareholders. Underwritten by PetSure, three cover tiers, and a focus on affordability for HCF health insurance members.
| Starts From | Annual Limit | Reimbursement | Best For |
|---|---|---|---|
| $19/mo | Up to $25K | Up to 90% | Best Not-for-Profit |
Pros
- Not-for-profit — profits go to members
- Lower premiums than for-profit competitors
- Three straightforward plan tiers
- 24/7 vet telehealth included
Cons
- Only for HCF health insurance members
- Cover limits are lower than premium insurers
- Routine care is basic
- Smaller provider with less market presence
Who It's Best For
Existing HCF health insurance members. People wanting a not-for-profit option. Budget-conscious owners.