At $25,000, Knose has the highest annual benefit limit out of the 15 pet insurers compared on Finder, around $10,000-$13,000 more a year than others. Plus, unlike most, it doesn't come with any sub-limits.
Its 14-day waiting time for illnesses is about half that of other brands (30 days).
You can choose how much of your vet bills you want covered — 90%. The lower the percentage, the cheaper your premiums. Out of 15 policies we looked at, only 2 others let you do this.
Cons
It's not good if you just want a basic policy that only covers accidents. Knose only offers comprehensive cover.
We got quotes from other brands such as Everyday, and Knose tends to be more expensive.
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🔎 Why choose Knose pet insurance?
Knose has a number of perks included in its pet insurance policies that could be right for you. These include:
Emergency boarding. With Knose, you get a $25,000 emergency boarding benefit, which is much more than other pet insurance providers.
Paralysis tick benefit. You will also receive a paralysis tick benefit limit of $25,000 with your cover. Similarly, this is higher than most policies.
Taking your pet overseas. Knose pays for vet expenses while you are travelling in certain areas such as New Zealand and Norfolk Island.
Choice of benefit percentage. You can choose to have 90% of eligible vet bills covered, depending on how much you want to spend on premiums and treatment.
What pet insurance policies does Knose offer?
Keeping things simple and straightforward, Knose offers 2 pet insurance policies: cover for dogs and cover for cats.
Policy
Features
🐶 Cover for dogs
Covers accidents and illnesses
Choice of 90% cover
$25,000 annual benefit limit
All eligible vet bills including cruciate ligament and tick paralysis treatment covered up to $25,000
No additional excesses
Same-day cover for accidents
14-day waiting period for illnesses
6 months waiting period for orthopaedics and hereditary conditions
🐱 Cover for cats
Covers accidents and illnesses
Choice of 90% cover
$25,000 annual benefit limit
All eligible vet bills including cruciate ligament and tick paralysis treatment covered up to $25,000
No additional excesses
Same-day cover for accidents
14-day waiting period for illnesses
6 months waiting period for orthopaedics and hereditary conditions
🏥 What does Knose pet insurance cover?
Here's a breakdown of what you'll be covered for with Knose pet insurance.
Injury cover can pay you a percentage of vet bills resulting from an accidental injury. You can choose the benefit percentage yourself – 90%. Injuries covered can include:
A burn or electrocution
A motor vehicle accident
An allergic reaction to a bite
A bone fracture
The waiting period is 1 day for accidental injuries, but your pet needs to be at least 6 weeks old to be eligible for cover.
Illnesses
If your pet suffers an illness and you incur vet costs for any necessary treatment, Knose will reimburse you up to the benefit percentage you have selected. Both policies cover:
Your pet while you are travelling in New Zealand or Norfolk Island on a trip for less than 60 days.
30 days of emergency boarding for your cat or dog if you are unexpectedly hospitalised for 4 or more consecutive days.
Prices will differ based on a few criteria, including:
The gender, breed and age of your pet
The level of cover you choose
Your excess
Your locations
If your pet is desexed.
👥 Knose pet insurance reviews
In addition to user reviews on Finder below, we looked through Knose pet insurance customer reviews on productreview.com which go back 2 years from August 2021. Here's a summary of how Knose performed:
90 of the 100 reviews were given 5 stars.
Most claims are accepted within 2 weeks.
While they're overwhelmingly positive, it only has 100 reviews – other pet insurers including PIA and Bow Wow have more.
If you're a previous or existing customer of Knose pet insurance, we'd love to hear from you! Leave a quick review here.
What isn't covered by a Knose policy?
To ensure you know exactly what is and isn't covered, always read the product disclosure statement. The following list reflects some of the general exclusions you will find with a Knose pet insurance policy:
Additional vet costs such as house calls when they are not an emergency
Medications not registered or approved in Australia
Boarding and transportation costs
Costs after your pet's death
Epidemics, pandemics or new influenza
Knose does not offer routine care benefits as part of their insurance cover. However, Knose offers stand-alone comprehensive pet care plans that include home-delivered parasite presentations and a $100 allowance for health checks and vaccinations.
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
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