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Kogan Pet Insurance 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)
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