The short version
OzPetInsurance is free to use. We make money through referral fees paid by insurance providers when a reader clicks through from this site and purchases a policy.
That fee is paid by the insurer out of their marketing budget. It is not added to your premium, and you do not pay more by arriving via this site than you would by going direct.
Does it change what we publish?
No, and we have built the site so that it cannot easily do so without being obvious.
Our comparison methodology is documented on the About page and weights five factors: sub-limits, annual limit structure, reimbursement rate, waiting periods, and claims experience. Commission rate is not one of them.
Two practical checks on this:
- Some providers we rank highly pay us less than providers we rank below them. If commission drove the order, that would not happen.
- We publish guides that tell readers not to buy. Our article on older dogs advises some owners to skip insurance entirely, which earns us nothing.
We do not accept payment for placement, for a higher ranking, or for favourable wording in a review. If a provider offered it, we would decline and say so publicly.
What we do not do
- We do not sell insurance or act as a broker
- We do not collect your personal details or run a quote form
- We do not sell or share reader data with insurers or anyone else
- We do not use affiliate links that hide where they are going
- We do not run display advertising
When you click a provider link, you go to that insurer's own website. From that point you are dealing with them directly, under their privacy policy and their terms.
General advice only
We are not an insurer and we do not hold an Australian Financial Services Licence. Nothing on this site is personal financial or insurance advice.
The information here is general in nature and does not account for your objectives, financial situation or needs. Before deciding on any policy, read the Product Disclosure Statement and consider whether it suits your circumstances. If you want personal advice, speak to a licensed financial adviser or insurance broker.
Why we publish this
Most comparison sites bury their commercial arrangements in a footer link nobody clicks. We think the arrangement is defensible, so there is no reason to hide it.
If you would rather not send us a referral fee, go directly to the insurer instead. The comparison information on this site is free either way, and we would still rather you ended up with the right policy.
Questions
If anything here is unclear, or you think we have got a ranking wrong, email [email protected].