Australia insurance comparison

Compare pet insurance in Australia

Compare pet insurance in Australia by maximum yearly benefit, reimbursement rate, accidental injury cover and illness cover before you request a quote.

Featured pet insurers to compare first

Start with well-known Australian pet insurers before you request a quote.

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Check yearly limits

Compare the maximum yearly benefit

A higher annual limit can give you more room for larger vet claims, but it still helps to compare exclusions and sub-limits.

Look at claim value

Review the reimbursement rate carefully

Reimbursement rates can make a big difference to out-of-pocket costs, especially for ongoing treatments and larger claims.

Know the cover scope

Check accident, illness and treatment limits

Not every policy treats illness cover, waiting periods or condition-specific sub-limits the same, so compare the fine print before you apply.

19 insurers listed

Pet insurance

Coles Ultimate Cover (with Dental + Routine Care)

| Coles

Coles pet insurance option.

✓ Max yearly benefit $40,000

✓ Reimbursement 80% or 100%

✓ Paralysis tick sub-limit $3,500

Maximum benefit

$40,000

yearly cover limit

Reimbursement

80% or 100%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

Pet insurance

PIA Select and Protect Cover

| Pet Insurance Australia

Covers your vet bills for specified accidents and illnesses, including cruciate ligament and cancer treatment.

✓ Max yearly benefit $35,000

✓ Reimbursement 70%, 80% or 90%

✓ Paralysis tick sub-limit Up to annual benefit limit

Maximum benefit

$35,000

yearly cover limit

Reimbursement

70%, 80% or 90%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

Pet insurance

Bow Wow Meow Nose-to-Tail Cover

| Bow Wow Meow

Enjoy GapOnly claiming and complimentary use of myPetPass with 24/7 access to Live Vet Care. Also, policyholders are entitled to a free ID tag.

✓ Max yearly benefit $30,000

✓ Reimbursement 90%

✓ Paralysis tick sub-limit No sub-limit

Maximum benefit

$30,000

yearly cover limit

Reimbursement

90%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

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Pet insurance

Kogan Platinum Cover

| Kogan

Kogan pet insurance option.

✓ Max yearly benefit $30,000

✓ Reimbursement 80%

✓ Paralysis tick sub-limit $30,000

Maximum benefit

$30,000

yearly cover limit

Reimbursement

80%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

Pet insurance

Medibank Pet Max Cover with Extra Care

| Medibank

Medibank pet insurance option.

✓ Max yearly benefit $30,000

✓ Reimbursement 90%

✓ Paralysis tick sub-limit No sub-limit

Maximum benefit

$30,000

yearly cover limit

Reimbursement

90%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

Pet insurance

Budget Direct Plus Cover

| Budget Direct

Budget Direct pet insurance option.

✓ Max yearly benefit $25,000

✓ Reimbursement 80%

✓ Paralysis tick sub-limit $3,000

Maximum benefit

$25,000

yearly cover limit

Reimbursement

80%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

Pet insurance

Knose Pet Insurance

| Knose

Knose pet insurance option.

✓ Max yearly benefit $25,000

✓ Reimbursement 70%, 80% or 90%

✓ Paralysis tick sub-limit $25,000

Maximum benefit

$25,000

yearly cover limit

Reimbursement

70%, 80% or 90%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

Pet insurance

Medibank Pet Plus Cover

| Medibank

Medibank pet insurance option.

✓ Max yearly benefit $25,000

✓ Reimbursement 80%

✓ Paralysis tick sub-limit No sub-limit

Maximum benefit

$25,000

yearly cover limit

Reimbursement

80%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

Pet insurance

Kogan Silver Dog Cover

| Kogan

Kogan pet insurance option.

✓ Max yearly benefit $20,000

✓ Reimbursement 80%

✓ Paralysis tick sub-limit $2,000

Maximum benefit

$20,000

yearly cover limit

Reimbursement

80%

eligible claim rate

Accidental injury

injury cover

Illness

Specified illnesses only

illness cover

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Pet insurance

Petcover Superior Plan

| Petcover

Petcover pet insurance option.

✓ Max yearly benefit $20,000

✓ Reimbursement 100%

✓ Paralysis tick sub-limit No sub-limit

Maximum benefit

$20,000

yearly cover limit

Reimbursement

100%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

Pet insurance

PetsOnMe Deluxe Plan

| PetsOnMe

PetsOnMe pet insurance option.

✓ Max yearly benefit $20,000

✓ Reimbursement 80%

✓ Paralysis tick sub-limit $20,000

Maximum benefit

$20,000

yearly cover limit

Reimbursement

80%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

Pet insurance

Coles Ultimate Cover

| Coles

Coles pet insurance option.

✓ Max yearly benefit $15,000

✓ Reimbursement 80% or 100%

✓ Paralysis tick sub-limit $3,500

Maximum benefit

$15,000

yearly cover limit

Reimbursement

80% or 100%

eligible claim rate

Accidental injury

injury cover

Illness

illness cover

Go to site

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Home insurance questions

What to know before comparing home insurance

What should I compare before choosing pet insurance?

Start with the maximum yearly benefit, reimbursement rate, accidental injury cover and illness cover, then review waiting periods, sub-limits and exclusions before you request a quote.

Why does the reimbursement rate matter on a pet insurance policy?

The reimbursement rate helps show how much of an eligible vet bill may be paid back after your excess and policy terms are applied, so it can have a big effect on out-of-pocket costs.

Is a higher yearly benefit always better?

Not always. A higher annual limit can be useful, but it still helps to compare reimbursement rates, waiting periods, exclusions and any treatment-specific sub-limits.

What is the difference between accident cover and illness cover?

Accident cover is designed around injuries from sudden incidents, while illness cover extends protection to sickness and more complex medical conditions subject to the policy terms.

What should I check before clicking through to a pet insurer?

Review the product disclosure statement, check waiting periods, annual limits, claim exclusions and any treatment-specific sub-limits that matter for your pet.

Is the cheapest pet insurance policy always the best option?

Not always. Lower premiums can come with lower annual limits, narrower cover or more exclusions, so it helps to compare value as well as price.