Compare pet insurance

Pet insurance deals so good you'll feel like running around the dog park yourself.

1 - 16 of 69
Product AUFPI Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Reimbursement Rate Bonuses
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$30,000
$30,000
90%
90%
First month free
Fetch your 1st month free. Sign up to Medibank Pet Insurance using promo code 1FREE and get your first month's premium free. Offer ends 2 April 2025. T&Cs apply.
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$25,000
$3,000
80%
80%
15% off first year’s premium online
Apply online and get 15% off your first year's premium. T&Cs apply.
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$30,000
$3,000
80%
80%
10% off your monthly grocery shop. T&Cs apply.
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Bow Wow Meow Pet Insurance  logo
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$30,000
No sub-limit
70%, 80% or 90%
70%, 80% or 90%
10% multi pet discount
Get your first 2 months free by using the promo code: 2MFREE. T&Cs apply. 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.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance logo
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$25,000
$25,000
90%
90%
5% multi pet discount
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
Coles Pet Insurance logo
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$12,000
$2,500
80% or 100%
80% or 100%
5% multi pet discount
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
Fetch Pet  logo
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$30,000
$30,000
80% or 90% or 100%
80% or 90% or 100%
Get free 24/7 vet support
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
Pet Insurance Australia logo
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$30,145
$3,000
80%
80%
First 3 months free
Covers specified accidents and illnesses, with Routine Care Cover included. Get 3 months free when you sign up using the code PIA303. T&Cs apply.
PD Pet Insurance logo
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$20,000
$15,000
100%
100%
First month free
Apply online and get your first 1 month free. T&Cs apply.
Vets Choice Pet Insurance logo
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$15,000
$2,500
80%
80%
5% multi pet discount
Get a 5% discount when you insure more than one pet.
Petsy Top Cover
ExclusiveHighly commended
Petsy Pet Insurance logo
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$25,000
$25,000
90%
90%
5% multi pet discount
⭐ Finder Exclusive: Enjoy 30% off your first month of pet insurance, plus receive a custom pet tag. Sign up using the code FINDER. T&Cs apply.
Guardian Pet Insurance  logo
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$12,000
$1,200
80%
80%
No offers currently
Lifetime cover for cats and dogs, up to 80% covered.
Real Pet Insurance  logo
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$12,000
$1,200
80%
80%
Get 10% of your premiums back after 12 months
Claim up to a maximum of $12k per year, with no excess to pay.
RSPCA Pet Insurance  logo
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$20,000
$20,000
80%
80%
First month free
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
PetsOnMe Pet Insurance logo
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$20,000
$20,000
80%
80%
1- 2 months free"
Get 2 months free (for pets under 1 year old) or 1 month free (for pets over 1 year old) with promo code FINDER2MF. T&Cs apply.
Real Pet Insurance  logo
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$12,000
$1,000
75%
75%
Get 10% of your premiums back after 12 months
Covers specific accidents and illnesses for your pet. Get 10% of premiums back in the first 12 months.
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What is pet insurance?

Pet insurance helps with the cost of diagnosing and treating illnesses and injuries to your furry pal.

Comprehensive plans typically cover surgery, hospital visits and medicines – up to as much as $30,000 per year.

It can also help out with routine visits to the vet but this is usually only available as an add-on. Pet insurance is primarily designed to protect against expensive and unexpected events.

Since there's no Medicare for our dogs and cats, having insurance can help you make decisions based on your pet's health, not your bank account.

How does pet insurance work?

Pet insurance premium

Pay for protection

You pay your pet insurance premium monthly or annually. Policies typically cost around $120 per month but can be more or less, depending on the type of pet you have and many other factors.

Vet hospital

Visit a vet

If an unexpected event occurs and you need to visit the vet, you can do knowing that your visit will likely be covered by insurance. In some cases, you'll have to pay the bill first and be reimbursed later. For other instances, you'll only have to pay the gap.

Money back

Get reimbursed

You get between 60% and 100% of vet costs reimbursed. You can usually claim between $12,000 and $30,000 per year, depending on the policy you choose, which is why it's worth shopping around.

Real life case studies

Pet insurance guides and resources

How much does pet insurance cost?

How much are Australians spending on pet insurance?

Every month, we ask a bunch of Aussies what they're paying for their pet insurance. Here's what their bill looked like in January 2025.

$123

Price based on 190+ responses about their monthly premium in January 2025.

Compare pet insurance award winners

To help you find the best pet insurance, Finder's insurance team gathered quotes from 23 different pet insurance providers. From there, we compared the features of each policy to understand which policies offered the best value cover. See our award winners below.

How to find the best pet insurance

Number 1

Compare annual benefit limits

This is the amount you can claim every year. It varies from around $12,000 to $30,000 (but some policies now offer unlimited cover). Good to know – a lower limit usually means a cheaper policy, but surgeries can exceed $20,000.

Number 2

Compare policy sub-limits

Some pet insurance policies have a cap on how much you can claim for certain injuries, such as paralysis tick treatment. A common sub-limit for this is $1,500 but treatment often costs $2,000+ (so maybe look for a higher limit).

Number 3

Compare reimbursement rate

This is how much you get back when you claim. Some will pay you 60% of the vet bill while others pay the whole lot. You'll likely have to pay an excess when you claim. This is typically around $100-$200.

Icon to represent comparison of car insurers
Cost of living pressures bite
A Finder survey has found nearly half of Australian pet owners (45%) have cut back spending on their pets to save money. An easy way to save on your pet insurance is to compare deals. There's a difference of more than $1,100 a year between the cheapest and most expensive policy, according to 2024 Finder Awards research.

Frequently asked questions

Joselle Delos Reyes's headshot
To make sure you get accurate and helpful information, this guide has been edited by Joselle Delos Reyes as part of our fact-checking process.
Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 631 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
Peta Taylor's headshot
Co-written by

Publisher of Insurance

Peta Taylor is a publisher at Finder, working across all of insurance. She's been analysing product disclosure statements and publishing articles for over 2 years. Peta is passionate about demystifying complex insurance products to help users make well educated decisions with confidence. Peta is part of Finder's insurance awards team and works alongside editorial and insights experts to bring users the best insurance products every year. See full bio

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