Knose Pet Insurance Review

Knose pet insurance has the highest annual benefit limit out of the 9 policies on Finder.

4.5 ★★★★★ (4 reviews) Write a review

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Pros

  • At $25,000, Knose has the highest annual benefit limit out of the 9 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 — 70%, 80% or 90%. The lower the percentage, the cheaper your premiums. Out of 9 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 Woolworths, and Knose tends to be more expensive.
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Compare pet insurance from Knose

Name Product Maximum yearly benefit Paralysis Tick Benefit Reimbursement rate Accidental Injury Illness
Knose Pet Insurance
$25,000
$25,000
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
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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 70%, 80% or 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.

PolicyFeatures
🐶 Cover for dogs
  • Covers accidents and illnesses
  • Choice of 70%, 80% or 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 70%, 80% or 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.

Ambulance vehicle with pet paw on the front

Accidental injuries

Injury cover can pay you a percentage of vet bills resulting from an accidental injury. You can choose the benefit percentage yourself – 70%, 80% or 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.

Vet building with pet paw on the front

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.

How much does Knose pet insurance cost?

To help give you an idea about Knose pet insurance costs, we gathered annual quotes for a few of Australia's favourite dog breeds. Just remember, prices are going to change based on things like your own dog's breed, age and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$862.44$1225.68
Cavoodle$914.52$1239.96
Labrador$1354.20$1841.28
Staffordshire Bull Terrier$1245.96$1766.16
Border Collie$989.04$1341.84

👥 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:

  • Pre-existing conditions
  • Intentional harm or neglect
  • Not following your vet's advice
  • 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.

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