Knose Pet Insurance Review

With discounts and a high benefit limit, how does Knose stack up?

3.6 ★★★★★ (11 reviews) Write a review
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By

Gary Ross Hunter

Updated

Fact checked
Knose Pet Insurance

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Key takeaways

  • Knose stands out with a low waiting time and high benefit limit.
  • Only comprehensive cover is offered.

Pros

  • 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 policies we looked at, only 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.

Compare pet insurance from Knose

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Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Knose Pet Insurance logo
Finder Score
7.1 Great
Knose Pet Insurance
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Finder Score
7.1 Great
$25,000
$25,000
70%, 80% or 90%
Finder exclusive: Get 10% off your first year's premium, using Finder's exclusive discount code: FINDER10. Plus get a 5% multi pet discount. T&Cs apply.
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Finder Score for pet insurance

We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.

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Knose pet insurance deals

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Get 10% off your pet insurance premiums

Get 10% off of the first year. Lower prices for lower risk pets. T&Cs apply. Promo code: FINDER10

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5% Multi-Pet Discount

Save 5% when you insure multiple pets with Knose Pet Insurance.

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Get two months free

Get 2 months free for the first year of new policies. T&Cs apply. Promo code: KNOSE2MFREE

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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 higher than most 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
Matt Corke's headshot

"We insured both our Lab X Kelpies with Knose as soon as we could. The policies cover a fair amount and if the claim is accepted it's paid out pretty quickly. Unfortunately, they don't automatically work with some vet hospitals, so check your local area before heading in. "

Matt Corke
Finder crew member

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.

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Sample quote Sample quote Sample quote Sample quote
Knose Pet Insurance logo
Knose Pet Insurance
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Sample quote
$2,398.20
Sample quote
$2,622.60
Sample quote
$2,228.04
Sample quote
$3,441.84
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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 location
  • 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.au 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.

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.

Sources

Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 589 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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