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Compare pet insurance quicker than you can say “Down, boy!”

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

Pet Insurance
1 - 14 of 23
Name Product Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Reimbursement Rate Bonuses
Everyday Comprehensive Plus Cover
tick
tick
$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.
Medibank Pet Max Cover with Extra Care
tick
tick
$30,000
$30,000
90%
90%
Medibank and ahm health members save 10% on premiums.
Get your first month free if you sign-up by 19 August 2024. Use promocode 1FREE. T&Cs Apply.
Fetch Pet Insurance
tick
tick
$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.
PIA Major Medical Cover
tick
tick
$30,145
$3,000
80%
80%
First 2 months free
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up using the code PIA202. T&Cs apply.
Knose Pet Insurance
Finder AwardExclusive
Knose Pet Insurance
tick
tick
$25,000
$25,000
90%
90%
10% off your first year
⭐Finder Exclusive: Get 10% off your first year. Sign up using promo code FINDER10. T&C's apply.
Coles Comprehensive Cover
tick
Specified illnesses only
$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.
PD Deluxe Plan
tick
tick
$20,000
$15,000
100%
100%
First month free
Apply online and get your first 1 month free. T&Cs apply.
Pet Circle Dog Cover
tick
tick
$10K or $17.5K or $30K
$10K or $17.5K or $30K
70% or 80% or 90%
70% or 80% or 90%
Get 2 months free
Get 2 months free when you sign up using the code PCI2FREE. T&Cs apply.
Vets Choice Elite Cover
tick
tick
$15,000
$2,500
80% or 100%
80% or 100%
5% multi pet discount
Get a 5% discount when you insure more than one pet.
Petsy Top Cover
ExclusiveHighly Commended
Petsy Top Cover
tick
tick
$25,000
$25,000
90%
90%
30% off your first year
⭐ 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 Platinum Accident & Illness Cover
tick
tick
$12,000
$1,200
80%
80%
No offers currently
Lifetime cover for cats and dogs, up to 80% covered.
Real Premium Accident & Illness Cover
tick
tick
$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 Ultimate Plus Accident and Illness Cover
tick
tick
$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.
Australian Seniors Top Accident & Illness Cover
tick
tick
$12,000
$1,200
80%
80%
10% off if you're over 50
Benefits include overseas cover when in NZ or Norfolk Island for your pet, plus an optional routine care add-on.
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Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 60 policies on the market, so you don't have to.

What is pet insurance in Australia?

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 $40 to $80 a month.

Vet hospital

Visit a vet

You can visit any licensed vet in Australia if your pet gets sick (as long as it's not due to a pre-existing condition) or injured. You usually pay the vet bill directly.

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.

Guides to help you compare pet insurance

Getting a pet is exciting. Shopping for insurance isn't – so our experts curated these guides. Now it's easy to find cover.

Expert icon

Best pet insurance
3+ top policies narrowed down (from over 60 options) by our expert authors.

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How much does pet insurance cost?

We got quotes for a greyhound from 9 partner brands. Here's what we found:

  • RSPCA had the cheapest policy.

  • There's a $138 monthly difference between the cheapest and most expensive policy – an annual difference of $1,654.

Pet insurance planMonthly premiumVet bills coveredExcess amountAnnual benefit limitWaiting period for illnessCompare quotes
Medibank

Medibank

$192.6490%$0$30,00030 daysGet quote
Everyday Logo

Everyday

$148.7180%$0$30,00030 daysGet quote
Kogan Pet Insurance

Kogan

$151.2380%$0$15,00030 daysMore info
Knose pet insurance

Knose

$205.1090%$0$25,00014 days Get quote
Pet circle pet insurance

Pet Circle

$213.1490%$0$30,00014 days Get quote
Guardian

Guardian

$76.3980%$0$12,00030 daysGet quote
Pet insurance Australia

Pet Insurance Australia

$153.7080%$0$30,00030 daysGet quote
Real insurance logo

Real

$77.9780%$0$12,00030 daysGet quote
RSPCA pet insurance

RSPCA

$75.3080%$0$20,00030 daysGet quote

3 terms to help you compare pet insurance

Number 1

Annual benefit limit

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

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

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. In a few cases, you'll also have to pay a small fee when you claim, called the excess.

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 $1,000 a year between the cheapest and most expensive policy, according to 2023 Finder Awards research.
Gary Ross Hunter and James Martin

Meet our experts

Collectively, our expert authors have over 15 years experience helping people with pet insurance.

We've written 100+ guides and regularly chat to vets. We've covered everything from the best pet insurance policies to dogs travelling in the cabin on flights (we're biased – we think it's a good idea too).

We compare nearly all pet insurers in Australia. If there's a brand that's offering something we think is useful, we let you know about it even if we don't work with them.

Less talk, more dogs please

Want to find out more?

We've broken down the basics of pet insurance to help you decide if it's what you and your pet need.

Find out more about the pros and cons here.

Pounce on these pet insurance deals

Everyday Pet Insurance DealsEveryday Pet Insurance Deals

Get 10% off your groceries at Woolworths

Why you can trust Finder's pet insurance experts

freeYou pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
expert adviceYou save time. We spend 100s of hours researching pet insurance so you can sort the gold from the junk faster.
independentYou can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
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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
Editor, Insurance & Innovations

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 730 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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