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BUPA PET INSURANCE


HELPING PREPARE YOU FOR YOUR BEST BUD’S UPS AND DOWNS

Choose from our Ultimate, Standard or Basic level of cover, Get up to 80% back*
on eligible vet bills. Help protect your dog or cat against the unexpected.

Get a quote chevron_right




 * Skip to Choose a policy right for you content

 Make a claim phone 1300 429 167 Get a quote chevron_right




WHY CHOOSE BUPA PET INSURANCE?

Just like you, your pets can experience health issues, have an accidental injury
or simply get themselves into mischief, requiring a visit to the vet.

Bupa Pet Insurance can help with the cost of vet treatment for your pet should
the unexpected happen.

New and current Bupa Pet Insurance policyholders have access to VetChat Consult
Membership‡ valued at $199 p.a. That means you can get access to VetChat when
you need it, with up to 4 online consults per month for you and your pet during
your policy period. Consultations can be via chat, video call or online. T&Cs
apply‡

Claim using GapOnly®**. An easier way to manage your vet payments. Visit the
vet, claim while you wait, and only pay the gap. GapOnly® is now available on
all current Bupa Pet Insurance policies. On your next visit at a participating
vet, GapOnly® allows you find out and pay the difference between the vet's
invoice and the amount covered by your policy. Available at over 800 veterinary
clinics. T&Cs apply**

Plus save 5% when you take out cover for an additional pet.

 * Get a quote or manage your pet’s insurance with our customer portal.
 * Get a quote chevron_right
 * Make a claim chevron_right
 * Manage your policy chevron_right

Bupa Pet Insurance policyholders get complimentary access to a VetChat Consult
Membership‡. Connect with trusted Australian vets, via chat or video call
online, within minutes anytime, anywhere. T&Cs apply

GapOnly®**. Visit the vet, claim while you wait, and only pay the gap. T&Cs
apply**. Find your nearest GapOnly vet here

MOZO'S 2020 EXPERT CHOICE AWARD WINNER

Exceptional Quality Pet Insurance –
Ultimate + Routine Care'


3 LEVELS OF COVER TO CHOOSE FROM^

BASIC COVER

Bupa Basic Insurance is our lowest level of cover which covers your pet against
specified accidental injury only.
Get a Quote chevron_right
 * What's covered^
 * check_circle Specified accidental injury
 * check_circle $6,000 annual benefit limit
 * check_circle Claim up to 80% of eligible vet bills

STANDARD COVER

Bupa Standard Insurance provides cover for your pet in the event of specified
accidental injury and illness, along with optional cover for routine care items.
Get a Quote chevron_right
 * What's covered^
 * check_circle Specified accidental injury
 * check_circle $12,000 annual benefit limit
 * check_circle Claim up to 80% of eligible vet bills

ULTIMATE COVER

Bupa Ultimate Insurance provides the highest level of cover for your pet in case
of specified accidental injury and illness, along with optional cover for
routine care, alternative therapy and/or major dental.
Get a Quote chevron_right
 * What's covered^
 * check_circle Specified accidental injury
 * check_circle $20,000 annual benefit limit
 * check_circle Claim up to 80% of eligible vet bills

^ Please refer to the Product Disclosure Statement (PDS) for details.
(Exclusions, limits and sub-limits may apply.)


FIND OUT MORE

Join thousands of customers who trust us with their pet insurance needs. Please
refer to the relevant Product Disclosure Statement for more details about our
pet insurance policy options.

Get a quote chevron_right phone Call Bupa

 * IMPORTANT DOCUMENTS
   
   

 * PET INSURANCE PRODUCT DISCLOSURE STATEMENT
   
   get_app
   
   Read for terms, conditions, limits and exclusions that apply.

 * PET INSURANCE SUPPLEMENTARY PRODUCT DISCLAIMER STATEMENT (SPDS)
   
   get_app
   
   Effective for policies incepting and renewing from 5 October 2021.

 * PET INSURANCE SUPPLEMENTARY PRODUCT DISCLAIMER STATEMENT (SPDS) AND
   SUPPLEMENTARY FINANCIAL SERVICES GUIDE (SFSG)
   
   get_app
   
   Effective for policies incepting and renewing from 13 December 2021

 * TARGET MARKET DETERMINATION (TMD) DOCUMENT
   
   get_app
   
    


MANAGE MY POLICY

Log in to our customer portal and along with managing your pet's insurance
policy online, whenever and wherever it suits you, you can:

 * Claim online
 * View policy details
 * Change personal and payment details

 * Download claim form


HELPFUL INFO ABOUT YOUR FURRY FRIENDS


PUPPY-PROOFING YOUR HOME

Just like you child-proof your home, see how to help keep your new pooch safe
from harm too.

Read our article



PLANNING FOR THE COSTS OF A PET

It's good to know and plan for the costs that can come with having a new
four-legged mate at home.

Read our article



LEAVING LOCKDOWN WITH PETS

As we head back to work, our cats and dogs may need a little help adjusting to
another 'new normal'.

Read our article



MAKING A CLAIM

If you do need to make a claim for your pet’s treatment, try and submit it to us
as soon as possible to help prevent any delays in payment. To make the process
easier, claim online through the customer portal and follow the easy steps
below:

Please note: all accounts must be paid in full prior to the submission of your
claim.

 ONLINE CLAIMING

Please visit our customer portal to submit your claim

Step 1. Simply upload a copy of both the itemised invoice, payment receipts, and
the consultation notes from your vet visit.

Step 2. If this is your first claim, we require your pet’s full medical history
from all previous vets from the time you first owned your pet.

Step 3. If your pet was adopted at an older age please supply adoption paperwork
and medical records since adoption.



PAPER CLAIMING

If you would prefer to send us your claim through the post, please ensure you
have completed the following additional steps:

Step 1. Print a claim form and fill in your details.

Step 2. Take it with you to the vet and ask them to fill out Section 2. Both you
and your vet will need to sign the form.

Step 3. Attach the original itemised invoices, payment receipts and consultation
notes and post them in to; BUPA Pet Insurance, Locked Bag 9021, Castle Hill NSW,
1765.

If this is your first claim, please also send us a complete medical history from
all previous vets from the time you first owned your pet.


DOWNLOAD CLAIM FORM

DOWNLOAD 'PRE-EXISTING CONDITION EXCLUSION REVIEW FORM'

DOWNLOAD ‘CRUCIATE LIGAMENT EXAMINATION FORM’


COMPLAINTS PROCESS

The satisfaction of our policy holders is extremely important to Bupa Pet
Insurance. If you have any concerns about our products, services or wish to
dispute the outcome of a decision, please find more information about our
complaints process here.


YOU MIGHT ALSO BE INTERESTED IN


HOME INSURANCE

Choose Bupa Ultimate, Comprehensive or Basic cover to protect your most valuable
possessions. Plus, Bupa Health Insurance members get 10% off+ and Bupa Ultimate
Health Insurance members get 15% off+.
Learn more


CAR INSURANCE

Get back on the road sooner with 24/7 Australian-based claims support and
optional extras like Roadside Emergency Assist. Plus, Bupa Health Insurance
members get 10% off+ and Bupa Ultimate Health Insurance members get 15% off+.
Learn more


TRAVEL INSURANCE

Travel knowing you have unlimited overseas medical cover~ and Australian-based
case managers for 24/7 emergency assistance. Plus Bupa Health Insurance Members
get 15% off#.
Learn more

~The term 'Unlimited' here means there is no capped dollar sum insured. Terms,
conditions, limits and exclusions apply. Please refer to the Policy Benefits and
General Exclusions Sections of the Product Disclosure Statement (PDS) for
further details.

#Bupa Health members are able to obtain a 15% discount on Bupa Travel Insurance
by successfully entering their membership number into the 'Member Number'
section when entering trip details or by advising a consultant over the phone.
This discount is based on standard premium rates. Not to be used in conjunction
with any other offer. Terms, conditions, limits and exclusions apply. Refer to
the Product Disclosure Statement (PDS).


FAQS

Learn more about Pet Insurance with our quick FAQs.

CAN I COVER MY PET AT ANY AGE WITH BUPA PET INSURANCE? EXPAND_MORE EXPAND_LESS

With the Basic policy, which covers a range of specified accidental injuries for
your pet, you can cover your pet at any age from 8 weeks old. With Standard and
Ultimate policies, pets need to be aged between 8 weeks and younger than 9 years
of age when you purchase your policy.

I’M A BUPA HEALTH INSURANCE MEMBER, DO I GET A DISCOUNT? EXPAND_MORE EXPAND_LESS

Yes, as a loyal Bupa customer we are pleased to offer you a 10% discount on Bupa
Pet Insurance to help you take care of your pet’s needs when it counts.

WHAT ANIMALS DOES BUPA PET INSURANCE COVER? EXPAND_MORE EXPAND_LESS

Bupa Pet Insurance offers cover for domestic cats and dogs across Australia.

WHAT EXCLUSIONS APPLY? EXPAND_MORE EXPAND_LESS

As with most insurance products, there are certain situations in which you will
not be covered. There are some general exclusions such as pre-existing
conditions, dental procedures and fractured teeth (unless you have Major
Dental), routine or preventative treatments (unless Routine Care cover is
purchased, which provides a contribution up to the Routine Care limits), some
elective treatments and procedures and breeding or obstetrics. There may also be
specific exclusions which may apply to specific levels of cover.

For a more detailed list of general exclusions, refer to the applicable Combined
Product Disclosure Statement, Policy Terms and Conditions and Financial Services
Guide.

WHAT IS A PRE-EXISTING CONDITION? EXPAND_MORE EXPAND_LESS

A pre-existing condition is:

 * A condition that existed or occurred prior to the commencement date of your
   first policy period or within any applicable waiting period.
 * A condition that you or your vet were aware of, or a reasonable person in
   your circumstances would have been aware of.

This is irrespective of whether the underlying or causative condition was
diagnosed at the time. Whether it is a pre-existing condition will depend on its
nature and experience. If your pet has a temporary condition that has not
existed, occurred or shown noticeable signs, symptoms or an abnormality in the
18-month period immediately prior to your claim treatment date, it will no
longer be excluded from cover as a pre-existing condition. Chronic conditions
and several other specified conditions cannot fall within this category.

DOES PET INSURANCE COVER PRE-EXISTING CONDITIONS? EXPAND_MORE EXPAND_LESS

Similar to other forms of insurance, anything that existed or that you were
aware of before your pet was insured is generally excluded from cover. Insurance
policies are there to protect against the unexpected so for this reason, claims
relating to pre-existing conditions are not covered. This helps keep coverage
fair for all of our customers.

However, we know that some conditions can genuinely be resolved or cured. So,
for that reason, pre-existing conditions are assessed differently depending on
whether they are chronic conditions or temporary conditions for your pet.

WHAT IS A TEMPORARY CONDITION? EXPAND_MORE EXPAND_LESS

A temporary condition is a condition, which normally resolves with treatment,
other than:

 * Cruciate ligament conditions
 * Intervertebral disc disease (IVDD)
 * Hip dysplasia
 * Elbow dysplasia
 * Patella luxation
 * Endocrine diseases
 * Any other chronic condition

If your pet has a temporary condition which has not existed, occurred or shown
noticeable signs, symptoms or an abnormality in the 18-month period prior to
your claim treatment date, it will no longer be excluded from your policy as a
pre-existing condition. Chronic conditions and several other specified
conditions will not be categorised as a temporary condition and will always be
excluded from cover.

Examples of pre-existing temporary conditions

 1. You have specified accidental injury and illness cover for your pet. Prior
    the commencement date of the first policy period, your pet has a case of
    gastroenteritis due to some dietary indiscretion. The condition is treated
    and your pet recovers.
    
    You then purchase a pet insurance policy. Two years later, your pet has
    another unrelated case of gastroenteritis. Your claim would be eligible for
    benefits because:
    
    
    * The first gastroenteritis episode was a temporary condition, given that it
      normally resolves with treatment and is not on the list of excluded
      conditions for temporary conditions. (Refer to the question ‘what is a
      temporary condition’ and the PDS.)
    * There was more than an 18-month gap between the conditions.
    * The second episode of gastroenteritis was not a related condition. See
      ‘What is a related condition?’ in the PDS.
    * The condition was not specifically excluded in the PDS.
 2. You have specified accidental injury and illness cover for your pet. Your
    pet had a case of demodectic mange 18 months prior to the commencement date
    of the first policy period. The condition is resolved after your pet
    receives treatment.
    
    Two years into the policy, your pet contracts another unrelated case of
    demodectic mange. This claim would be eligible for benefits because:
    
    
    * The first condition was a temporary condition that is normally resolved
      with Treatment and is not on the list of excluded conditions in that
      definition. See ‘What is a temporary condition?’ and the PDS.
    * Your pet did not have demodectic mange, or show any noticeable signs,
      symptoms or abnormality in relation to that condition for more than an
      18-month period.
    * The second episode of demodectic mange was not a related condition. See
      ‘What is a related condition?’ in the PDS.
    * The condition was not specifically excluded in the PDS.

Note: Examples above are of a general nature and you should refer to your
Product Disclosure Statement and Certificate of Insurance for information about
conditions covered under your policy.

WHAT IS A CHRONIC CONDITION? EXPAND_MORE EXPAND_LESS

A chronic condition is long-lasting or recurring in its effects and affects (or
is present in) a pet over a period greater than three months in total. The
three-month period does not need to be consecutive.

Chronic conditions may also be intermittent or managed with medication and/or
prescription diets with intervals of remission. If your pet has a chronic
condition that occurred or existed prior to the commencement date of the first
policy period or during any applicable waiting period, it will always be
excluded from your policy as a pre-existing condition.

Examples of pre-existing chronic conditions

 1. Your pet is limping and is diagnosed with a grade two luxating patella
    (dislocating kneecap) within the applicable waiting period of the policy.
    Your vet prescribes anti-inflammatory medication. This claim is not covered,
    because you and your vet became aware of the condition within the 30-day
    waiting period for this condition.
    
    Two years later, your pet requires surgery for the patella luxation. This
    condition is excluded from cover because:
    
    * You and your vet first became aware of the condition in the applicable
      waiting period.
    * The condition (patella luxation) is not a temporary condition, as it is
      specifically excluded from that definition.
    * As a result, it remains a pre-existing condition two years later.
 2. Your pet has had recurring seasonal allergies every spring and summer since
    it was two-months old. This recurs for a period greater than three months.
    You purchase a pet insurance policy and two years later make a claim for
    another round of allergy treatment.
    
    Your claim would not be eligible for benefits and excluded from cover
    because:
    
    * The condition is a pre-existing condition, given that you were aware of it
      prior to commencement of your first policy period.
    * Your pet’s seasonal allergy condition is not a temporary condition, as it
      is specifically excluded as a chronic condition. This is because it was
      long-lasting, recurring and affected your pet for a period greater than
      three months.
    * As a result, it remains a pre-existing condition two years later.

Note: Examples above are of a general nature and you should refer to your
Product Disclosure Statement and Certificate of Insurance for information about
conditions covered under your policy.

WHAT IS A RELATED CONDITION? EXPAND_MORE EXPAND_LESS

A related condition is something that results from the same disease process,
arises as a consequence of or has the same diagnostic classification as another
condition. This is regardless of the number of areas of your pet’s body that are
affected.

For example:

 1. If your pet suffers from arthritis in its legs, all future occurrences of
    arthritis (e.g. in the back or neck) will be related conditions.
 2. If your pet suffers from diabetes and then develops a cataract as a
    consequence of the diabetes, the cataract will then be a related condition.
 3. If your pet suffers from a skin hotspot, then later suffers from ringworm on
    its skin, these are not related conditions, as the ringworm is not as a
    consequence of the hotspot, nor do they follow the same disease process or
    diagnostic classification.

CAN I SEEK PRE-APPROVAL OF MY PET’S UPCOMING TREATMENT? EXPAND_MORE EXPAND_LESS

Yes. If your pet requires treatment and you wish to seek pre-approval of those
costs, you can provide us with the itemised estimate of costs from your vet,
along with the treatment required and relevant clinical records and/or
veterinary history, and we will respond to you in writing with the outcome.

HOW DO I APPLY TO HAVE A PRE-EXISTING CONDITION REVIEWED? EXPAND_MORE
EXPAND_LESS

If your pet has had a temporary condition that was subject to the pre-existing
condition exclusion, it will no longer be excluded from your policy as a
pre-existing condition. When you submit a claim, we will automatically review it
for you, but you can also apply to have it reviewed.

Your vet will need to certify and provide veterinary records verifying that the
condition remains a temporary condition and has not existed, occurred or shown
noticeable signs, symptoms or an abnormality for a period of 18 months. The
pre-existing condition exclusion(s) will not be deemed to have been lifted
unless agreed to by us in writing.

You can download a copy of the Pre-existing Conditions exclusion review form
here.

If your pet has a chronic condition that existed or occurred before the
commencement date of your first policy period or during any applicable waiting
period, that condition will always be excluded from your policy.

To find out more information about pre-existing conditions and how they apply to
your cover, please ensure you review the relevant Product Disclosure Statement
and Certificate of Insurance.

WHAT PERCENTAGE OF VET EXPENSES ARE COVERED? EXPAND_MORE EXPAND_LESS

With Bupa Pet Insurance we will cover up to 80% of eligible vet expenses,
subject to any excess and annual benefit limits and sub-limits associated with
your policy. Any applicable excess will be subtracted from your claim benefit
amount.

ARE THERE WAITING PERIODS? EXPAND_MORE EXPAND_LESS

There is no waiting period for specified accidental injury on all three levels
of cover. Waiting periods begin from the commencement date of the first policy
period. With Standard and Ultimate policies there is a 30-day waiting day period
for conditions covered under the illness cover. Alternative therapy cover is
subject to a 30-day waiting period. Dental illness cover is subject to a 6-month
waiting period. Additionally, cruciate ligament conditions for all three levels
of cover are subject to a 6-month waiting period, which may be waived on
application by completing the Cruciate ligament examination form. For more
information on waiting periods please refer to the Product Disclosure Statement
(PDF, 2.9MB).

HOW DO YOU CALCULATE MY PREMIUM? EXPAND_MORE EXPAND_LESS

New policies

Your premium is calculated using a combination of factors about you and your
pet. These factors can affect the premium amount up or down depending upon
whether we believe it increases or decreases the risk to us, such as the cover
you have chosen, the excess selected, the benefit percentage applicable to the
cover you have chosen, where you and your pet permanently live, your age and the
species, breed, gender of your pet, the current age of your pet, the age you
first insured your pet, and other factors related to our cost of doing business.
These same factors may be used to calculate your premium when you amend your
coverage.

Renewing policies

Factors that are taken into consideration for renewal premium calculation
include your pet’s age, breed, location, duration for which your pet has been
insured, claims history, as well as data relating to the health of pets that are
a similar age and breed. Each year we review premiums based on these factors to
ensure we can accommodate the costs of possible treatment up to your annual
benefit limit, in the event that your pet becomes injured or ill.

WILL MY PREMIUM INCREASE EVERY YEAR? EXPAND_MORE EXPAND_LESS

Yes, your premium will increase each year. This is for two main reasons:

Reason #1: Just like humans, the older our pets get, the more likely they are to
have health hiccups. Cats and dogs age faster than we do, which means that their
likely veterinary treatment costs go up rapidly each year too. As a result, the
cost of insuring your pet will also increase as they get older.

Reason #2: Advancements in Veterinary Treatments. The overall cost of medical
treatment for pets has increased in recent years due to the increased
availability of medical treatments and technology-enabled services and ongoing
demand for these services. The treatment options and advancements in technology
are providing us with great opportunities to give our pets a great quality of
life for longer.

WILL MY PREMIUM INCREASE EVEN IF I DON’T SUBMIT CLAIMS? EXPAND_MORE EXPAND_LESS

Every year, we review the cost of everyone’s insurance with regards to a
combination of factors as well as claims inflation across all our insured pets.
Increases in our claims costs due to increases in the range of available
veterinary procedures, or due to an increased take-up of those services, impacts
everyone’s premiums. Your premium takes into account the average cost of care
for pets like yours. To provide an example of this, a pet parent with a
three-year-old French Bulldog will be affected by the trends we see in our data
from hundreds of three-year-old French Bulldogs that we insure, as well as the
specific claims history of their own pet.

IS MY PREMIUM CALCULATED THE SAME WAY AS MY PRIVATE HEALTH INSURANCE?
EXPAND_MORE EXPAND_LESS

No. Pet insurance does not work like health insurance. Health insurance is
‘community rated’, which means that everyone pays the same premium for their
health insurance regardless of their individual health status, age or claims
history. This is not the case for pet insurance. Health insurance providers are
able to community rate health insurance because there are many other factors at
play in the human health care system, such as Medicare and government rebates
and subsidies, which is not the case with veterinary care and pet insurance. Pet
insurance claim reimbursements are paid for purely by the premiums received by
those who insure their pets. In order for each person to pay a fair price for
their pet insurance, premiums vary depending on your and your pet’s risk
factors.

HOW LONG DO I HAVE TO SUBMIT A CLAIM AFTER MY PET HAD TREATMENT? EXPAND_MORE
EXPAND_LESS

We have recently made a change to our claims procedure. You no longer need to
submit your claims within 90 days of treatment. There is no time limit to
submitting a claim for your pet.

CAN I VISIT ANY VET? EXPAND_MORE EXPAND_LESS

Yes, you can visit any vet (other than yourself) that is licensed to legally
practice as a veterinarian in Australia. Please note, although it is rare, if
expenses incurred by you with respect to the Treatment significantly exceed what
is reasonable and expected, having regard to the circumstances in which the
Treatment was provided, then claim payments may be adjusted to the amount of
reasonable and expected expenses. If your Pet requires treatment, you can seek a
claim pre-approval, whereby we can provide you with the details of your claim
reimbursement. To request a pre-approval, simply call us on 1300 429 167.

CAN I CANCEL MY PET’S POLICY? EXPAND_MORE EXPAND_LESS

You may cancel your policy at any time. We understand circumstances can change
and would like to see if we can help keep your cover active. Please call our
customer service team on 1300 429 167 or send us an email at bupa@petsure.com.au
so we can discuss your options.

If you do decide to cancel, we will issue a pro-rata refund for the uninsured
period where premiums are paid annually, less any applicable government or
statutory charges. If you pay by instalments, we will not deduct any further
premiums after the date of cancellation.

If you have been or are being impacted by family violence, please learn more
about the extra support the administrator of Bupa Pet Insurance can offer you by
reading the PetSure Family Violence Policy online, or by emailing them at
help@petsure.com.au. For more ways to contact PetSure, please visit their
website.

 

TERMS AND CONDITIONS

+Bupa Health members get a 10% discount that applies to their Bupa Home,
Landlords, Car, and Pet Insurance policies and Bupa Ultimate Health members get
a 15% discount for Car, Home and Landlords Insurance each year they are a Bupa
Health member. Minimum premiums apply and may reduce the full advertised
discount. We reserve the right to withdraw this discount at any time.

#Bupa Health members are able to obtain a 15% discount on Bupa Travel Insurance
by successfully entering their membership number into the 'Member Number'
section when entering trip details or by advising a consultant over the phone.
This discount is based on standard premium rates. Not to be used in conjunction
with any other offer. Terms, conditions, limits and exclusions apply. Refer to
the Product Disclosure Statement (PDS).

**The gap is the difference between the vet's invoice and the eligible claim
benefit under your pet insurance policy.  GapOnly® is a trademark owned by
PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure). GapOnly®
is available on eligible claims at participating Vets with a pet insurance
policy from a GapOnly® pet insurance partner.

‡VetChat is a non-insurance product that is separate from the Bupa Pet insurance
product and is separately provided by VetChat Services Pty Ltd (VetChat).
VetChat is a related company of PetSure (Australia) Pty Ltd. VetChat consult
membership and consultations are subject to VetChat's general Terms and
Conditions, including the Privacy Policy which are available online at
www.vetchat.com.au. VetChat consult membership entitles you to use up to four
(4) VetChat consults per month during the current policy period. For the full
terms of this offer, visit bupa.vetchat.com.au/terms-and-conditions. Register
for VetChat at bupa.vetchat.com.au/signup to access your complimentary VetChat
consult membership during the current policy period. Bupa may withdraw or extend
this offer at any time without notice.

Bupa Home, Landlords, and Car Insurance is distributed by Bupa HI Pty Ltd ABN 81
000 057 590 (Bupa), an authorised representative (no. 354269) of Open Insurance
Pty Ltd ABN 23 166 949 444, AFSL 451712 (Open). It is issued by Open on behalf
of the insurer, The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL
241436 (Hollard). Bupa and Open act as agents of Hollard and not on your behalf.
Any advice is general only and does not take into account your personal
circumstances. First read, on this website, the relevant Product Disclosure
Statement (PDS) and Financial Services Guide (FSG) as well as the Target Market
Determination (TMD) to help you decide if a product is right for you.

Bupa Travel Insurance is distributed by Bupa HI Pty Ltd (Bupa), an authorised
representative of Open Insurance Pty Ltd, AFSL 451712 (Open). Open arranges this
insurance as agent for AWP Australia Pty Ltd, AFSL 245631 trading as Allianz
Global Assistance (AGA). AGA issues and manages travel insurance as agent for
the insurer Allianz Australia Insurance Ltd, AFSL 234708. Terms, conditions,
limits and exclusions apply. Any advice is general only and does not take into
account your personal circumstances. Bupa, Open and AGA receive a percentage of
the premium as commission. Before purchasing, consider the Product Disclosure
Statement (PDS) and Financial Services Guide (FSG). Target Market Determination
(TMD) available at bupatravelinsurance.com.au/tmd.

Bupa Pet insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090
584 473, AFSL 241436, is arranged and administered by PetSure (Australia) Pty
Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and is promoted and distributed by
PetSure's Authorised Representative (AR) Bupa HI Pty Limited ABN 81 000 057 590,
AR 354269. Any advice provided is general only, and does not take into account
your individual objectives, financial situation or needs. Please consider
the Product Disclosure Statement (PDS) to ensure this product meets your needs
before purchasing. PDS and Target Market Determination (TMD) available
at bupa.com.au/pet-insurance to see if these products are right for you.

CUSTOMER SUPPORT FOR FAMILY AND DOMESTIC VIOLENCE SITUATIONS

If you are affected by a domestic or family violence situation, please read the
applicable domestic and family violence policy here, to understand the ways they
can support and assist you:
 * Open's Domestic and Family Violence Policy
 * Allianz's Family Violence Policy

THE GENERAL INSURANCE CODE OF PRACTICE

We proudly support the General Insurance Code of Practice, which sets out the
standards that general insurance companies must meet when providing services to
their customers. The Code covers car insurance, home insurance, travel insurance
and pet insurance. You can read and download the Code at: codeofpractice.com.au.