Pet Insurance Comparison

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

Medibank Pet Insurance

Sign up and get a $100 PETstock e-voucher*

Promo code PET100.
Ends 19 Oct 2021.

  • 10+ years of experience
  • Choose from 3 cover options
  • Insurance for dogs and cats
  • Choose any licensed vet*
Get quote
*T&Cs apply. Visit our website for more details.
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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
Budget Direct Pet Insurance
$1,500
$12,000
80%
80%
⭐Finder Exclusive: Receive a $55 eGift card after your 21-day cooling off period. Apply by 31 October 2021. T&C's apply.
PD Deluxe Plan
$15,000
$15,000
100%
100%
⭐Finder Exclusive: Apply online and get your first 2 months free. Offer ends 30 November 2021. T&Cs apply.
Knose Pet Insurance
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
Medibank Ultimate Pet Care
$1,200
$15,000
80%
80%
Get 11% off your first year of pet insurance. Sign up and use promo code 11PAWCENT by 7 Dec 2021. T&Cs apply.
Coles Premium Cover
$2,500
$15,000
80% or 100%
80% or 100%
Get 10% off your new Coles pet policy till 31 Jan 2022. Plus, earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PIA Major Medical Cover
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$1,500
$25,000
100%
100%
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.
Kogan Pet Luxury Cover
$2,000
$15,000
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Sign up and get $75 Kogan.com Credit. T&Cs apply.
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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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