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Kogan Pet Insurance > Platinum Cover

Platinum Cover

Platinum Cover is the highest level of protection for your beloved pet. Never compromise on care with coverage of up to 80% of eligible vet bills and a generous claim limit of $30,000 a year.

What’s covered:

  • Cover up to 80% of Eligible Vet Bills
  • Excess options of $0, $250, $500
  • A range of specified accidental injuries, including but not limited to burns, snake bites and poisoning.
  • Claim limit of up to $30,000 a year to help with prolonged or expensive treatment
  • Includes cover for consultations and emergency boarding.
  • Freedom to take your pet to any vet registered to practice in Australia.

Policy Terms & Conditions, limits, exclusions and waiting periods apply. Sub-limits and excess may apply. See the Product Disclosure Statement for details.

Got a Question?

Call

1300 001 738

Product Disclosure Statements

What’s included

Coverage

Platinum Cover

Annual Benefits Limit Up to $30,000
Benefit Percentages 80%
Excess $0, $250, $500
Eligibility Older than 8 weeks and younger than 9 years
Coverage Specified Accidental Injuries and Illnesses
Cruciate Ligament Conditions sub-limit Up to annual benefit limit
Hip Joint Surgery sub-limit Up to annual benefit limit
Emergency Boarding sub-limit $1,500
Dental Illness Benefit  $1,000 (included)
Waiting Periods
  • 0 days for Specified Accidental Injuries
  • 21 days for Illnesses
  • 6 months for Cruciate Ligament Conditions and Dental Illness Benefit

Get an Express Quote

More Benefits & Features!

Gap Only Logo

Only pay the gap with GapOnly®

We want to help you worry less about upfront vet expenses. Claim with GapOnly® and only pay the gap – the difference between the vet’s invoice and the amount covered by your policy#.

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Live Vet Support

Connect to an experienced Australian registered vet via video call, 24/7. Whether it’s providing vet advice, setting up at-home treatment plans, or confirming if you need to visit a vet in person, you can get help when you need it, anytime.

$10 off Kogan.com every month

Active policyholders receive $10 off a purchase of $100 or more at Kogan.com once a month.^ Find out more.

Optional Extras

If you want to feel like the cat that’s got the cream, just add a little extra and help cover your pet’s routine expenses.

Optional Non-Insurance Routine Care

$100 Benefit

Annual sub-limit for any of the following:

  • Desexing
  • Microchipping
  • Heartworm controls
  • Teeth cleaning
  • Prescription diets
  • Cremation or burial
  • Dental illness treatment
  • Council registration fees
  • Obedience training
  • Behavioural therapy
  • Alternative therapies

PLUS $50

Annual sub-limit for any of the following:

  • Vaccination or health check
  • Flea/tick/worm/control
  • Blood screen

Optional Dental Illness Cover

Silver Cover Gold Cover Platinum
Dentist Illness Cover $1,000 (optional) $1,000 (optional) $1,000 (included)

Annual Claim Limits up to $30,000

A range of annual limits to choose from, you can rest easy knowing you’re covered.

Your Pet, Your Vet

Take your pet to any licensed veterinary practice in Australia.

Simple Claims Process

Our Online Portal makes claims smooth, simple and fast.

We hope your pet never has an emergency, but if the worst should happen, we’ll help get them the care they deserve and help reduce the stress and worry of your mounting vet bills.

Update your details or make a claim via our easy online portal.

Have a question?

Get in contact with us.

Online portal

Vet care in your pocket.

FAQs

Find answers to the most frequently asked question.

+Offer commences on 12:00AM AEST 6 February 2026 and ends on 11:59PM AEST 6 February 2028 (Offer Period). Offer provides new customers with 2 months free in their first policy year only when purchasing a Petinsurance.com.au Pet Insurance Policy during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first 2 months of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the 3rd month of your policy. For annual payments, the 2-month free will be deducted from your first policy year premium at the time of purchase. Offer applies to new Petinsurance.com.au Pet Insurance policies purchased during the Offer Period, online or by phone using promo code 2MFREE. Offer will cease if you change your level of cover. Not available with any other offer except for multi-pet discount for additional pets. Offer subject to the terms and conditions of the Petinsurance.com.au Pet Insurance policy available https://petinsurance.com.au/. Eligibility criteria applies and is subject to the Petinsurance.com.au Pet Insurance terms and Conditions (Refer to the Product Disclosure Statement). We reserve the right to withdraw, vary or extend this Offer at any time, without notice.

^Monthly $10 Kogan.com credit offer valid on single purchases of $100 or more (excluding shipping). Offer applies to all active Kogan together with Petinsurance.com.au policies ("Relevant Policy"), after 30 days from the commencement date of the Relevant Policy. Credit will be issued by Kogan.com via email, in the first week of every month to all eligible policyholders. Credit will expire 30 days from date of issuance. Credit can only be claimed through a Kogan.com account which is linked to the same email address used to purchase the Relevant Policy. If you do not already have a Kogan.com account, you will be required to register for a Kogan.com account for free. You will be sent an email from Kogan.com to create an account so you can claim your Kogan.com credit, in doing so you will be required to accept the standard terms and conditions that Kogan.com requires all account holders to accept in order to open a Kogan.com account. Credit cannot stack with other vouchers or credits. Credit cannot be used in conjunction with certain other promotional offers. Credit cannot be used to pay for a Kogan First membership. Kogan may amend or withdraw this offer at any time. Kogan.com is solely responsible for all representations made regarding this offer. The Hollard Insurance Company Pty Ltd and PetSure (Australia) Pty Ltd take no responsibility for the goods or services procured from Kogan.com.

*Policy Terms and Conditions, limits, waiting periods, exclusions and excesses apply.

~Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available in your portal log-in.

#The gap is defined as the difference between the eligible vet’s invoice and the claim benefit under your policy. Policy terms and conditions apply. GapOnly® is only available at participating vets. Please visit gaponly.com.au/find-a-gaponly-vet to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure).