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Kogan Pet Insurance review
Kogan-distributed pet insurance from the Hollard / PetSure chassis. Three tiers — Silver ($20k), Gold ($20k), Platinum ($30k) — all locked at 80% reimbursement. Dental cover gated to Platinum tier as core; optional add-on on lower tiers. ProductReview shows 5.0 stars but only 2 reviews — almost no statistical signal.
The short version
Kogan Pet Insurance is the Kogan retail brand layer over a Hollard-issued, PetSure-administered product. Three tiers: Silver ($20,000 cover), Gold ($20,000 cover with broader inclusions), Platinum ($30,000 with included dental). All three tiers are locked at 80% reimbursement only — no flexibility.
Underwritten by The Hollard Insurance Company (AFSL 241436) for policies before 7 November 2023, with policies from that date onwards issued by PetSure (Australia) directly. Same Hollard→PetSure transition pattern as BWM, PIA, Medibank, and Woolworths — Kogan transitioned in late 2023 alongside the broader cohort. Distributed by Kogan Australia.
ProductReview shows 5.0 / 5 across only 2 reviews — essentially no statistical signal. The headline rating is meaningless at this volume; we've scored Customer Experience at 3/10 to reflect the absence of meaningful customer-feedback data, not because the brand has earned a poor rating. Until the review base grows past 50+ entries, the rating shouldn't be trusted in either direction.
Score breakdown
v1.1 of the Insu Score weights four components. Kogan Pet Insurance scores well on the dimensions covered; affordability is pending until our premium estimator launches.
Three tiers ($20k Silver / $20k Gold / $30k Platinum) with dental in core at Platinum and as add-on on lower tiers — broader dental access than the rest of the PetSure-administered family. Loses points for 80%-only reimbursement (no 70% premium-savings or 90% high-claim option) and the Silver/Gold cover ceiling matching at $20k (the marketing differentiates them on inclusions, not headline cover).
TBD — quote sample not yet captured at the standard $15k / 80% reimbursement / $200 excess benchmark. Note: Kogan's discount-brand market positioning suggests competitive headline pricing — verify with quote.
APRA-authorised PetSure underwriting since 7 November 2023 (formerly Hollard direct). Same chassis as BWM / PIA / Medibank / Buddy / Everyday / Bupa / HCF. Loses 3 points: 1 for the underwriter-level AFCA complaint share (PetSure 195 in FY24-25 across all administered brands), 1 for the relatively recent transition, and 1 for the third-party retail distribution layer (Kogan as AR rather than direct issuer).
5.0 / 5 across only 2 ProductReview ratings — essentially no statistical signal. Cannot be trusted as either positive or negative customer-feedback evidence at this sample size. Scored 3/10 to reflect the absence of meaningful data rather than a quality judgement. Will revise upward as the review base grows.
Kogan lands at 45/100 partial. Coverage 30/45 (3 tiers, dental in core at top tier, but 80%-only reimbursement) + Trust 12/15 (PetSure-administered chassis, recent Hollard→PetSure transition) + CX 3/10 (rating exists but sample too small to trust). Affordability TBD — Kogan's discount-brand positioning suggests competitive pricing. How the score is calculated →
Coverage features audit (current PDS)
The 8 features feeding the Coverage Depth score, with the actual values from the current Kogan Pet Insurance Product Disclosure Statement (dated verify in current PDS).
| Feature | Kogan Pet Insurance value | Score |
|---|---|---|
| Annual benefit limit | Three tiers: Silver $20,000, Gold $20,000, Platinum $30,000. Silver and Gold differentiate on inclusions rather than headline cover. | 5 / 8 |
| Reimbursement % | 80% only across all three tiers. No flexibility to opt down to 70% (premium savings) or up to 90% (higher claim recovery). Same restriction as Budget Direct, Petsy, BWM, PIA, PetsOnMe. | 3 / 8 |
| Excess flexibility | Specific excess tier options not surfaced on marketing pages. Verify in current PDS — PetSure-administered chassis typically offers $0 / $100 / $200 / $250 range. | 3 / 5 |
| Dental cover | Optional add-on on Silver and Gold tiers. Included as core on Platinum. Broader dental access than the rest of the PetSure-administered family (BWM / PIA / Medibank / Buddy / Everyday all gate dental to Booster Care or Extra Care add-ons). | 3 / 5 |
| Behavioural cover | Not detailed on marketing pages. Verify in current PDS — likely Booster Care add-on per the standard PetSure-administered chassis. | 2 / 5 |
| Alternative therapy cover | Verify in current PDS. Likely Booster Care add-on per the standard PetSure-administered chassis. | 2 / 5 |
| Routine care add-on | Optional add-on across all three tiers (Silver, Gold, Platinum). More flexible than Coles (Ultimate-only routine care). | 4 / 5 |
| Bilateral condition flexibility | Standard bilateral condition restriction per industry norm — verify in current PDS. | 1 / 5 |
| Pre-existing condition review | Likely temporary condition framework per the PetSure-administered family chassis. Verify in current PDS. | 2 / 4 |
Source: Kogan Pet Insurance Combined Financial Services Guide and Product Disclosure Statement (PDS document kogan-pet-pds-current, dated verify in current PDS). Last read by Insu: 2026-05-01. Verify current values at www.koganpetinsurance.com.au/ before purchasing.
What we liked
- Dental cover included as core on Platinum tier — broader dental access than BWM / PIA / Medibank / Buddy / Everyday (all gated to Booster Care or Extra Care add-ons)
- $30,000 cover at Platinum tier matches Pet Circle and beats BWM / PIA on headline benefit
- Routine care add-on available across all three tiers (vs Coles which restricts routine care to Ultimate)
- PetSure-administered chassis means claims handling matches the established BWM / PIA / Medibank operation
- Discount-brand market positioning may genuinely deliver competitive premium for some buyer profiles
What to think about
- 5.0 / 5 across only 2 ProductReview ratings is statistical noise — the rating cannot be trusted in either direction at this volume
- 80%-only reimbursement removes the flex other PetSure-administered competitors have started offering (Buddy and Medibank both offer 70/80/90%)
- Specific excess tier options, dental sub-limits, and behavioural treatment aren't surfaced on the marketing pages — buyers must dig through the PDS
- Recent underwriter transition from Hollard to PetSure (7 November 2023) — existing pre-transition policy holders should verify their current status
- Silver and Gold tiers share the same headline $20k cover ceiling — the differentiation is in inclusions, not cover. Marketing makes that less clear than it could be
Same underwriter as 7 other AU brands
Kogan Pet Insurance is underwritten by PetSure (Australia) Pty Ltd. PetSure also issues policies for these brands:
Same underwriter doesn't mean identical product — pricing, benefit tiers, and add-ons vary by brand. But your claim is paid by the same company regardless of which logo is on the policy. More on the PetSure family → (coming soon)
Frequently asked questions
Who underwrites Kogan Pet Insurance?
Kogan Pet Insurance is underwritten by The Hollard Insurance Company Pty Ltd (administered by PetSure). The same underwriter also backs Bow Wow Meow, Pet Insurance Australia, Woolworths / Everyday Pet Insurance, Medibank Pet Insurance, Bupa Pet Insurance, Buddy Pet Insurance, HCF Pet Insurance in Australia, so your claim is paid by the same APRA-authorised insurer regardless of which brand is on the policy.
What is the Kogan Pet Insurance Insu Score?
Kogan Pet Insurance scores 45 out of 100 on the Insu Score (v1.1), 3 of 4 components scored (Affordability pending quote sample). Kogan lands at 45/100 partial. Coverage 30/45 (3 tiers, dental in core at top tier, but 80%-only reimbursement) + Trust 12/15 (PetSure-administered chassis, recent Hollard→PetSure transition) + CX 3/10 (rating exists but sample too small to trust). Affordability TBD — Kogan's discount-brand positioning suggests competitive pricing.
Does Kogan Pet Insurance cover dental?
Optional add-on on Silver and Gold tiers. Included as core on Platinum. Broader dental access than the rest of the PetSure-administered family (BWM / PIA / Medibank / Buddy / Everyday all gate dental to Booster Care or Extra Care add-ons).
What is the maximum annual benefit on Kogan Pet Insurance?
Three tiers: Silver $20,000, Gold $20,000, Platinum $30,000. Silver and Gold differentiate on inclusions rather than headline cover.
What are the main pros and cons of Kogan Pet Insurance?
Pro: Dental cover included as core on Platinum tier — broader dental access than BWM / PIA / Medibank / Buddy / Everyday (all gated to Booster Care or Extra Care add-ons) Consideration: 5.0 / 5 across only 2 ProductReview ratings is statistical noise — the rating cannot be trusted in either direction at this volume
Affordability — coming soon
The Insu premium estimator is being built using a combination of PDS-published rate tables and manual benchmark quote sampling. Once it launches, this section will show:
- Kogan Pet Insurance's premium for the standard 3-year-old Labrador Sydney 2000 benchmark
- Where that premium sits in the percentile ranking across all 19 AU pet insurers
- Variations for older pets, regional postcodes, and cat scenarios
In the interim, the most accurate way to get a real Kogan Pet Insurance quote is direct from their site (no obligation, no signup required for the quote itself).
Get a Kogan Pet Insurance quote
Direct quote from the insurer. Discount-brand pricing positioning.
Visit Kogan Pet Insurance ↗We may earn an affiliate commission if you purchase through this link. The Insu Score is calculated independently of affiliate status — see the methodology page.
PDS read: 2026-05-01 · ProductReview data captured: 2026-05-01 · Underwriter status verified: 2026-05-01 · Insu Score version: v1.1