The cost of living crisis is hitting our wallets. To help you find cheap pet insurance without compromising on cover, our insurance team have gathered hundreds of quotes as part of the Finder Awards and trawled through over 20 pet insurance policies.
Both of our picks cover your pet for accidents and illnesses. Keep in mind, these are the insurers that typically offer the cheapest options according to our research – but your costs will differ depending on your pet's age, breed and pre-existing conditions.
We've also calculated costs for dogs and cats from over 20 insurers, and put together a list of discounts – to help you save as much as possible.
Finder's pet insurance methodology
We calculated the average monthly cost of 20+ accident and illness pet insurance policies to help you find cheap dog insurance. These are prices for a 1-year old Cavoodle. Your prices will differ depending on your dog's breed, age, health and the type of policy you buy.
| Provider | Average monthly price (dog) | |
|---|---|---|
 | $41.93 | Get quote |
 | $61.20 | Get quote |
 | $55.83 | Get quote |
 | $56.98 | Get quote |
 | $59.45 | More info |
 | $60.44 | Get quote |
 | $61.17 | Get quote |
 | $65.51 | Get quote |
 | $66.93 | Get quote |
 | $67.69 | More info |
 | $68.86 | Get quote |
 | $69.00 | Get quote |
 | $70.28 | Get quote |
 | $70.57 | More info |
 | $72.65 | More info |
 | $74.80 | More info |
 | $76.01 | More info |
 | $88.98 | More info |
 | $96.13 | More info |
 | $104.18 | Get quote |
 | $105.36 | Get quote |
 | $129.78 | More info |
To help you find a cheap pet insurance policy, we calculated the monthly cost of 20+ accident and illness pet insurance policies for cats. These are prices for a 1-year-old Persian cat. Your prices will differ depending on your cats's breed, age, health and the type of policy you buy.
| Provider | Average monthly price (cat) | |
|---|---|---|
| 49.34 | Get quote |
| $44.69 | Get quote |
| $44.93 | More info |
| $45.07 | More info |
| $46.09 | Get quote |
| $49.19 | Get quote |
 | $49.58 | More info |
| $53.30 | More info |
| $53.96 | Get quote |
| $55.61 | Get quote |
| $56.32 | More info |
| $56.59 | Get quote |
 | $58.98 | Get quote |
| $59.15 | More info |
| $63.34 | Get quote |
| $65.06 | Get quote |
| $66.03 | Get quote |
| $66.69 | More info |
| $66.91 | More info |
| $67.54 | More info |
| $68.41 | Get quote |
| $68.48 | Get quote |
| $102.09 | More info |
Remember these prices won't be the same for you. Pet insurance costs differ depending on your pet's breed, age, health and the type of policy you buy. To get a precise quote, you'll need to click "get quote" from one or more of the pet insurers above where you'll be asked a few questions about your pet.
Some really cheap pet insurance policies only cover you for accidents but they're becoming less common because most pet owners want cover for illnesses as well. Fortunately, there are a few cheap accident and illness pet insurance policies. They typically have an annual claim limit of between $3,000 and $12,000 and will cover your pet for the following:
Some pet insurance policies cover you for specified illnesses. This means you need to read the product disclosure statement (PDS) to see which illnesses your furry pal will be covered for. In most cases, it should include the most common types of illnesses.
These 3 quick and easy steps can help you find a cheap pet insurance policy in just a few minutes.
The higher the excess you choose, the cheaper your premiums will be. Our filters let you choose between a $0 and $500 excess to help lower costs. Just remember that you'll need to pay this excess whenever you make a claim.
An annual limit is the maximum amount you can claim per year. The reimbursement rate refers to the percentage of a vet bill the pet insurer will pay. Generally, the lower the annual limit and reimbursement rate, the cheaper your pet insurance policy is likely to cost.
While we can't show you exactly how much you'll pay for a pet insurance policy, there's nothing stopping you from clicking through, answering some questions about your pet and getting a couple of different quotes. If price is your only concern, go with the insurer that gives you the cheapest quote.
It's tempting to go for the cheapest accident-only pet insurance policy but it's probably not worth the risk. Most visits to the vet are due to illnesses, so you should consider getting an accident and illness policy. The younger your pet is, the cheaper the policy will be.
Gary Ross Hunter
Insurance and innovations editor
Before you go buying the cheapest policy out there, ask yourself these questions:
I realised the value of pet insurance when one of my dogs got very sick as a young puppy. We have now had both dogs insured for years. I can't tell you how much we've saved being able to claim vet bills for injuries and some illnesses. If I could do it again, I would organise insurance before bringing the dogs home as puppies.— Elizabeth Barry, money expert & dog owner
Get your first month free
10% discount for Medibank members
Get 10% off your pet insurance premiums
Get 10% off your groceries at Woolworths
30% off your first month of pet insurance
Save up to 15% when you buy Budget Direct Pet Insurance online
Get your first month free
First month free
Get free pet insurance for the first 2 months
Get 10% of premiums back in the first 12 months
10% off if you're over 50
Get 2 months free
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching pet insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
Find out how and when you can cancel a pet insurance policy in this comprehensive guide.
Find out how multiple-pet insurance works and compare options from Australian brands.