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HCF

HCF is Australia's largest not-for-profit health fund, rewarding its members with discounted and fully customisable pet cover.

HCF Pet Insurance — Happy Tails Cover

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Overview

HCF — The Hospitals Contribution Fund of Australia — is Australia's largest not-for-profit health fund. Its pet insurance was rebuilt in July 2026 as Happy Tails Cover, a single customisable policy issued by PetSure with limits to $30,000, no sub-limits on standard treatment and GapOnly claiming at participating vets. The member proposition is central: eligible HCF health members receive 12% off their pet premiums, with multi-pet discounts of up to 10% on top.

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4 years ago

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