Pet insurance
Back to Pet insurance policies

Bupa Signature Cover review

Comprehensive injury and illness cover for cats and dogs

Good points

Good Points

Member only content

The product's best features and benefits

Bad points

Bad Points

Member only content

Drawbacks or issues you need to know about

CHOICE Tester
Unlock

Unlock our expert review and more

Check Reviews you can trust
Check Easy side-by-side comparison
Check Recommended products at a glance
Join CHOICE

Scores Members only Results for paid members only

CHOICE Expert Score
Members only
Cover score
Members only
Out of pocket score
Members only

Description

Insurer
Bupa
Policy
Signature Cover
Underwriter
PetSure (Australia) Pty Ltd
Policy type
Comprehensive injury and illness cover
Animals covered
Cats and dogs

Cover summary

Minimum age for new cover
No minimum age
Maximum age for new cover
8 years
Maximum benefit per year
Choose from $8000, $15000 or $30000
Benefit paid per claim
Choose from 70%, 80% or 90% vet bill covered

Excesses

Excess
  • Choose excess from $0, $150, $300 or $600
  • Higher excess not available with lower benefit limits

Covered events

Injury
  • Comprehensive cover
  • 2 day waiting period
Illness
  • Comprehensive cover
  • 30 day waiting period
Vet consults
Covered
Emergency treatment
Covered
Pre-existing conditions
Can be covered if condition is temporary, fully cured and pet is symptom-free for 18 months

Conditions

Allergic reaction
Covered
Brachycephalic Airway Obstruction Syndrome
Covered
Behavioural conditions
  • Optional, bundled with other extras
  • Up to $2500
  • Some cover available under routine care option
Cancer
Covered
Cruciate ligament conditions
  • Covered
  • Cover includes partial/complete rupture of cruciate ligament, meniscal tears, looseness of the cruciate ligament and complications following surgery
  • 6 month waiting period
Ear conditions
Covered
Eye conditions
Covered
Dental and oral health conditions
  • Limited default cover
  • Does cover oral tumours, immune-mediated stomatitis and traumatic tooth fracture <b>Optional cover:</b>
  • Bundled with other extras
  • Cover limited to gingivitis, abscesses, odontoclastic resorptive lesions, dental disease arising from infection, retained deciduous teeth, cavities and fractured teeth due to dental disease
  • Up to $2500
  • 6 month waiting period
  • Treatment limited to polishing, scaling, tooth removal and x-rays
Ingestion of a foreign object
Covered
Heart conditions
Covered
Orthopaedic conditions
Covered
Patella luxation
Covered
Joint conditions
  • Covered
  • Covered treatments for joint condition include total hip replacement
Intervertebral disc disease
Covered
Hereditary conditions
Covered
Pregnancy and obstetrics
Not covered
Illness caused by parasites
  • Covered
  • Covers conditions caused by intestinal parasites and bites/stings from insects or "other critters"
  • Some cover for parasite prevention, testing and control available under routine care option
Skin conditions
Covered
Snakebite
Covered
Vaccinatable Conditions
  • Covered
  • Vaccine benefit available under routine care option

Additional benefits

Routine care
  • Optional
  • Up to $200 for desexing; vaccinations; health checks; microchipping; heartworm preventative medication; prescription diets; puppy pre-school and obedience training; flea, tick or worm control; FeLV/FIV and heartworm tests; wellness blood screen or nail clipping
Alternative therapies
  • Optional, bundled with other extras
  • Up to $2500
Lost animal
Not covered
Necessary euthanasia
Covered
Telehealth vet service
  • Text or video call with vet
  • Available 24/7
Legal liability
Not covered

Claims

Howtoclaim
  • Customer web portal
  • E-claim (vet submits on your behalf)
  • GapOnly (vet submits on your behalf)
  • Mail claim form (vet must fill out a section)
Quickeasyclaims
  • GapOnly
  • Participating vet practices only
  • Available Monday—Saturday 8am—10pm AET (excluding NSW public holidays)
Directpayments
GapOnly claims

Looking for user reviews?

We don't offer user reviews anymore. Help us improve this expert review by sharing your feedback in a quick survey.

Avatar photo
Jodi Bird

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE's Australian Financial Services License.

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has extensive experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE's Australian Financial Services License.