Find the right cover for your Aussie mate
We compare what actually matters: annual limits, sub-limits, waiting periods and what really gets paid at claim time.
Pet insurance plans compared
Annual limits get the headlines. Sub-limits decide what you actually get back. We show both. These five are covered in depth across our guides. Australia has more than thirty pet insurance brands, but PetSure alone underwrites over thirty of them, so many that look like competitors share the same claims team and the same exclusion wording.
| Provider | Cover type | Annual limit | Sub-limits | Reimburse | |
|---|---|---|---|---|---|
| Bow Wow MeowDogs and cats | Comprehensive | Up to $15,000 | Some | 80% | Review |
| KnoseDogs and cats | Comprehensive | Up to $20,000 | None | 80% | Review |
| Pet Insurance AustraliaDogs and cats | Comprehensive | Up to $25,000 | Some | 80% | Review |
| Budget DirectDogs and cats | Accident and illness | Up to $12,000 | Some | 80% | Review |
| RSPCA Pet InsuranceDogs and cats | Accident and illness | Up to $12,000 | Some | 80% | Review |
Four steps, about two minutes
No forms, no phone calls, no sales pressure. Read, compare, decide.
Start with your pet
Species, age and breed determine which conditions matter and what you will pay.
Compare what counts
Annual limits, sub-limits, reimbursement rates and waiting periods, side by side.
Go direct to the insurer
Apply on the provider's own site. We never handle your policy or your data.
Your pet is covered
Unexpected vet bills stop being the thing that decides your pet's treatment.
Independent, free, Australian
We are not an insurer and we do not sell policies. We compare them and explain what the PDS actually says.
Genuinely independent
Our rankings come from coverage features and policy structure. Commission rates do not change the order.
Always free
We earn a referral fee from insurers when you click through. It costs you nothing and does not change your premium.
Built for Australia
Australian providers, Australian vet costs, Australian conditions. Tick paralysis and snake bite, not overseas products.
Plain English
Sub-limits, waiting periods and pre-existing conditions explained without the insurance vocabulary.
Popular guides
The questions most Australian pet owners are trying to answer.
Is pet insurance worth it in Australia?
It comes down to one number, and it is not your premium.
Read guide →Best dog insurance in Australia
Two policies with identical limits can leave you $4,000 apart on the same surgery.
Read guide →Waiting periods and exclusions
Almost every declined claim in Australia comes down to one of three things.
Read guide →