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Pet insurance Queensland

Spiders, snakes and unexpected vet bills: protect your furry pal with pet insurance in Queensland.

Queensland is no stranger to dangerous animals. But just because you know not to provoke them doesn't mean your pet does. A pet insurance policy in Queensland can help cover unexpected bills if your dog or cat needs surgery or treatment for anything from a snake bite to cancer, helping you avoid thousands of dollars in bills.

Pet insurance Queensland: Compare policies

Our table doesn't include prices because quotes are tailored to the type of pet you have, their age and where they live. Compare the features first, then click through to get your personalised quote.

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Name Product Accidental Injury Illness Paralysis Tick Yearly Sub-Limit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Pet Max Cover with Extra Care
⭐Finder Exclusive: Get your 1st month’s premium free when you choose Medibank Pet Insurance. Sign up using promo code FINDERONE. Offer ends 12 December. T&Cs apply.
Everyday Comprehensive Plus Cover
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
Budget Direct Pet Insurance
Current Offer: Apply online and get 15% off your first year's premium PLUS go in the draw for your chance to win 1 of 3 $10,000 cash prizes. T&Cs apply.
Kogan Pet Luxury Cover
80% up to age 8 & 65% over age 8
80% up to age 8 & 65% over age 8
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
Coles Premium Cover
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PD Deluxe Plan
Apply online and get your first 1 month free. T&Cs apply.

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 35 policies on the market, so you don't have to.

What's the best pet insurance in Queensland?

Just as all pets are different, there's no one-size-fits all for pet insurance. But it doesn't mean you can't find a good policy. Here are some helpful tips on how to find the best pet insurance in Queensland for you.

  • Look at the reimbursement rate. This is the maximum amount of vet bills that you'll be covered for. Comprehensive policies generally give you 80% back, but some do more. At the time of writing, we have two providers, Petsy and Vetschoice, who both offer 100% back.
  • Check the annual benefit limit. This is the maximum cash amount that you're covered for per year. The maximum annual benefit is usually between $12,000 and $20,000. But both Knose and Petsy have a $25,000 limit. Keep an eye out for sub-limits as well. This is the most you can claim back on specific treatments.
  • Emergency boarding. If you are the pet's sole carer and you're hospitalised for a few days, a comprehensive policy can provide cover for the cost of emergency boarding for your pet.
  • Essential euthanasia. It's not something any pet owner wants to think about, but if it's deemed essential by your vet, you can be covered for the costs.
  • Paralysis tick benefit. You can usually get covered for up to $1,000 for tick benefits.

How much does pet insurance cost in Queensland?

The cost of pet insurance depends on the type of policy you buy as well as factors such as age, breed, size and whether or not your pet is desexed. The table below gives you an outline of how much a policy might cost you, whether you're looking for dog insurance in Queensland or cat insurance.

PolicyCost per weekCost per monthCost per yearCost of cover over 5 yearsCost of cover over 10 years
Accident-only cover$4.62$20$240$1,200$2,400
Accident and illness cover$8.08 to $12.69$35 to $55$420 to $660$2,100 to $3,300$4,200 to $6,600
Accident and illness cover plus routine and preventative care$13.85+$60+$720+$3,600+$7,200+

Now consider the cost of some common vet bills.

Illness or injuryTotal cost of treatmentAmount covered by pet insurance (80% of bill)Remaining amount you would need to pay
Cruciate ligament surgery$2,500$2,000$500
Vomiting/diarrhoea$200 - $3,000$160 to $2,400$40 to $600
Tick paralysis$5,000 $4,000$1,000
Snake bite$2,000$1,600$400
Bone fractures$2,500$2,000$500
Ingesting a foreign body$2,000$1,600$400

*Disclaimer: Please note that the costs quoted in the above table are guides only. Costs can vary greatly based on severity, required treatment and how much your vet charges. For example, the quoted cost of snake bite is $2,000, but in severe cases treatment could cost well over $10,000.

Common exclusions to watch out for

All insurance policies have exclusions, and pet insurance is no exception. In Queensland, some of the conditions to watch out for as you compare pet insurance include:

  • No cover for dental issues. Some policies won't cover dental conditions, like gingivitis.
  • Pre-existing conditions. These are conditions that were apparent prior to taking out cover. It can be a good idea to take out cover sooner rather than later, in order to avoid getting these conditions excluded when they arise.
  • Infectious diseases and parasites. Specific preventable and infectious diseases might not be covered under your policy, especially if they can be prevented with vaccinations. Some policies might also require you to make sure your pet is vaccinated in line with vet recommendations.
  • Occupational use. You may not be covered for injuries your pet sustains while hunting, working as a guard dog, herding or otherwise being used for occupational purposes. Guide dogs and assistance animals are exempt from this rule.
  • Breeding and pregnancy. You are typically not covered for illnesses or injuries resulting from a dog being used for breeding purposes, or sustained as a result of pregnancy or giving birth.

It's also important to be aware of the laws around pet ownership in Queensland, for both legal and insurance reasons. Generally, you'll be required to follow the relevant pet ownership laws in order to maintain cover.

Laws for pet owners in Queensland

In Queensland, you need to:

  • Provide your pet with appropriate food, shelter and care
  • Register your dog before they're 12 weeks old and within 14 days of moving to a new local council area.
  • Microchip your dogs or cats, if they were born after 10 April 2009, before they are sold or given away.
  • Meet specific laws regarding welfare if you're breeding dogs and their puppies
  • Request a permit from your local council if you want to own a regulated dog

Why you can trust Finder's pet insurance experts


We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Learn more

Still not sure which policy is best for you? See our top picks for 2023

More guides on Finder

  • Cruciate ligament in dogs

    Worried that your dog has a cruciate ligament injury? This guide covers what cruciate ligament is, your options for treatment, and how much can be covered by different pet insurance brands.

  • Diabetes in dogs

    Your ultimate guide to diabetes in dogs, including its causes, symptoms, treatment and insurance options.

  • Pet insurance in Victoria

    Need pet insurance in Victoria? Discover what to look for and compare your options.

  • Pet insurance South Australia

    Learn what South Australians should be looking for in a pet insurance policy.

  • Pet insurance NSW

    Learn what residents of New South Wales should be considering in a pet insurance policy.

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