Getting a puppy or kitten this spring? Don’t bring them home before you do this

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There's a special kind of love that comes with bringing home a new pet. You'd do anything for them, but also wish they'd give you 5 minutes of peace.

Amid all the joy and chaos, pet insurance is easy to put off.

But it's genuinely one of the savviest and kindest things you can sort out early for your pet.

To help you make the process quick and painless, we've rounded up some of the top pet insurance deals for September below.

Bow Wow Meow

Get your first 2 months free, with GapOnly claiming and access to a 24/7 live vet. Use code 2MFREE before 31 December 2026. T&Cs apply.

Get deal

Knose

Get 2 months free in the first year of a new policy. Use code KNOSE2MFREE. T&Cs apply.

Get deal

Kogan

Get 2 months free when you purchase Kogan Pet Insurance. Use code 2MFREE before 6 February 2028. T&Cs apply.

Get deal

RSPCA

Get your first 2 months free when you sign up. T&Cs apply.

Get deal

Pets On Me

Get 2 months free for pets under 1 year old, or 1 month free for pets over 1 year old. Use code FINDER2MF. T&Cs apply.

Get deal

FINDER EXCLUSIVE

Knose

Get 10% off your first year's premiums, with lower prices for lower-risk pets. Use code FINDER10. T&Cs apply.

Get deal

Budget Direct

Save 15% on your first year's premium when you buy Budget Direct Pet Insurance online. T&Cs apply.

Get deal

Guide Dogs

Get 1 month free when you sign up for cover with Guide Dogs. T&Cs apply.

Get deal

Medibank

Get your first month's premium free. Use code 1FREE before 13 October 2026. T&Cs apply.

Get deal

Australian Seniors

Get 10% off your policy if you're over 50 years old. T&Cs apply.

Get deal

Medibank members

Save 10% on pet insurance if you have health insurance through Medibank. T&Cs apply.

Get deal

What does pet insurance cover for a new puppy or kitten?

How much you're covered for depends on the level you pick.

Accident-only is the cheapest, covering injuries but not illnesses. Accident and illness is the most common, adding cover for things like infections, cancers and skin conditions, where the bigger bills tend to come from.

Comprehensive sits at the top, and some policies let you add routine care to help with vaccinations, desexing and microchipping.

It's also worth noting that the younger and healthier your pet is when you take out cover, the better. Almost every pet insurance policy excludes pre-existing conditions, these are conditions your pet may develop prior to you taking out pet insurance.

By securing a policy as soon as you bring your pet home, you'll be giving them the best chance of having top to bottom protection.

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