Pet Insurance Comparison

Compare 8 brands side-by-side to see which pet insurance is right for you.

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Compare 8 top pet insurance brands in Australia

Pet Insurance Finder™ makes it easy to compare your options online, for free. Simply filter by your needs below, then head off to tailor your quote for your furry friend with your favourite option.

Name Product Accidental Injury Illness Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate Maximum Yearly Benefit
Woolworths Comprehensive Cover
$1,500
$24,000
80%
80%
$24,000
Woolies top policy comes with a $24,000 annual limit — higher than the majority of providers — plus cover for accidents, illnesses and routine care. Includes a price beat promise for similar policies and GapOnly cover.
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
$15,000
Get 16% off pet insurance for the first year. Plus, Medibank health members save 10% every subsequent year. Use promo code SAVE16. Ends June 22. T&Cs apply*. Find out more.
Budget Direct Dog Insurance
$1,500
$12,000
80%
80%
$12,000
Apply online and get 15% off your first year’s premium. T&Cs apply.
Knose Dog Cover
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
$25,000
⭐Finder Exclusive: Get 10% off of the first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
$15,145
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Kogan Pet Luxury Cover
$2,000
$15,000
80% or 65%
80% or 65%
$15,000
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$2,500
$12,000
100%
100%
$12,000
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
$2,300
$15,000
N/A
N/A
$15,000
This comprehensive plan covers your pet for emergencies, dental, illness and accidents. Plus, an optional Wellness Benefits add-on. Apply online and get your first month free. T&Cs apply.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$1,500
$25,000
100%
100%
$25,000
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
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Compare up to 4 providers

How can you compare pet insurance policies?

At first glance, it might seem like most pet insurance policies are pretty similar. Here's how 2 insurers' comprehensive policies stack up against one another.

Insurer AInsurer B
Premium$118.65$121.04
Annual Benefit Limit$12,000$20,000
Reimbursement rate80%85%
Illnesses YesYes
Accidental Injury YesYes
Cancer treatmentYesYes
Excess$0$0
Choice of excess $0, $100 or $200$0 or $50 only

This insurance policy comparison was made for Teddy the male French bulldog. He is 4.5 years old, desexed, and lives in Campbelltown NSW.

As you can see, these policies cost around the same and cover Teddy for similar services. However, there are some key differences worth noting, such as:

  • Annual Benefit Limit: The maximum benefit limit between policies can vary from around $11,000 to $20,000. A lower limit generally means cheaper premiums but you risk reaching your annual limit and being out of pocket if your pet is seriously ill or injured or becomes ill.
  • Choice of excess: This is how much you pay out of pocket if you needed to make a claim. Some policies allow you to choose your excess amount (the higher your excess, the less you pay each month). In the example above,
  • Reimbursement rate: While the difference between an 80% and an 85% reimbursement rate doesn't seem like a lot, imagine if you were faced with a $5,000 vet bill. You'd be out of pocket $1000 with Insurer A (80% reimbursement) or just $750 with Insurer B (85% reimbursement).

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