The Ultimate list of Pet Insurance Providers

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Australia has so many providers of Pet Insurance and we only expect this number to increase as pet ownership increases.

The Ultimate list of Pet Insurance Providers

Fair pricing logo

Australia has so many providers of Pet Insurance and we only expect this number to increase as pet ownership increases.

The Largest list of Pet Insurance Providers

Pet insurance has become increasingly popular in Australia, and even more so after covid. Not only has pet ownership gone up but so has the number of pet insurance providers. As pet owners are realising the benefits of having financial protection for their furry companions. There are several pet insurance providers in Australia, each with their own unique policies and coverage options.


As you know we value transparency so he have the ultimate list of Pet Insurance Providers. Not just the ones who pay us for a listing (cough competitor Aggregators websites).

All the Pet Insurance providers
in Australia

Company Accidental Illness Low Benefit Limit High Benefit Limit Offer? See Reviews Get Quote
Guide Dogs $82.03 $20,000 85% $0 30 days
Pet Secure $99.07 $12,000 85% $0 30 days
RSPCA $70.74 $11,000 80% $0 30 days
Pet Insurance Australia $82.29 $15,145 80% $0 30 days
Knose $92.11 $25,000 90% $0 14 days
Guardian $69.47 $12,000 80% $0 30 days
Real Insurance $70.90 $12,000 80% $0 30 days
Australian Seniors $76.90 $12,000 80% $0 30 days
Prime $87.93 $14,000 85% $0 30 days
Petsy $73.56 $10,000 80% $0 30 days
Bow Wow Meow $92.99 $20,000 80% $0 30 days
Medibank $102.01 $15,000 80% $0 30 days
Woolworths $78.95 $12,000 80% $0 30 days
HCF $88.83 $12,145 80% $0 30 days
Bupa $74.11 $20,000 80% $0 30 days
Petbarn $75.69 $20,000 80% $0 30 days
Prosure $70.72 $14,500 80% $0 30 days
Petinsurance $73.56 $10,000 80% $0 30 days
Australia Post $62.98 $15,000 80% $0 30 days
PetMed $75.35 $18,000 80% $0 30 days

What is Comparison Table 

The pet insurances that we presented above are tabulated based on their monthly premiums, annual benefit limit, reimbursement rate, excess charges, and waiting periods because these pieces of information are the most important ones when it comes to searching through pet insurances.



  • Monthly premium – according to Moneysmart, by the Australian government, the average monthly premium for pet insurances is from $20 to $60 a month. But the actual amount that you can pay is dependent on the benefits included in your policy or that benefit that you want to have to depend on your budget. Some pet insurance has plans that you can choose add-ons. If this is the case, your monthly premium may change.
  • Annual benefit limit – the annual benefit limit is the total amount that you can claim per year. Sometimes, pet insurance breaks down the yearly benefit into a per condition limit to have a more precise amount presented to the client.
  • Most of the time, people do not usually reach their annual benefit limit. But knowing that you have that much amount you can spend for your loved one’s health is more calming and gives you a peace of mind.
  • Reimbursement rate – the reimbursement rate of pet insurance has a basis of age of a pet insured. If your pet is younger than the maximum age limit, you will more likely have a higher reimbursement rate. However, some pet insurance providers have a term where they reduce the reimbursement rate of the client’s pet once it reaches the maximum age limit.
  • Excess – the excess amount is the amount that you have to pay over a claim. In some insurance providers, they let you choose the excess charges so that you can either pay for a lower premium or a higher premium. Lower excess fee means a higher monthly premium, and higher excess charges mean a lower monthly premium.
  • For the table presented above, we chose the pet insurers who give $0 excess so that there will only be a smaller factor to be considered, such as the monthly premium, annual benefit limit, and reimbursement rates.
  • Waiting periods – the waiting period is the time between you can file a claim after the policy comes into effect. If you file a claim right after the purchase of the plan and not wait for the waiting period to take effect, your Claim will be forfeited.


Often, pet insurers offer waiting periods per condition. For accidental injuries, most insurers have no waiting period, which means you can file for a claim right after the purchase of the policy. Illnesses usually have a 30-day waiting period for other insurance providers. But for the table above, you will notice that Knose pet insurance had the shortest waiting period. Shorter waiting periods are a plus for an insurance plan. 


There are specific reasons why insurance companies implement waiting periods. First, older pets may have pre-existing conditions wherein treatments done for that condition before the enrollment of the policy; however, it requires further treatments. And this is not covered by the insurers.


Another reason for the waiting period is to prevent fraud. Other clients may get their pets insured immediately due to a scheduled operation and may cancel the policy right after the Claim is being made.

Please note that the table above obtained through the online quotes given by the insurers is for a six-month-old de-sexed puppy last 2019 with a 60-year old owner. There were no promos availed, and comprehensive packages with no add-ons also done. Moreover, we must still take into consideration the health of the dog, the location of the owner, and the breed to know the exact amount that you need for your desired pet insurance.


NOTE- The table above is only a representation for dogs, and may or may not change for the insurance plan for cats.


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