Knose stands out with a low waiting time and high benefit limit.
Only comprehensive cover is offered.
No specific sub-limits apply to conditions like tick paralysis or cruciate ligament surgery.
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.
We currently don't have that product, but here are others to consider:
How we picked these
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.
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.
"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. "
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
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.
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.
How to make a claim
You can submit your claim online through the Knose Customer Portal. Follow these steps for a prompt assessment:
Log in. Access your Knose Portal from any device. If you have multiple pets, select the specific policy you are claiming against.
Create new claim. Select the "New Claim" option from the dashboard.
Upload documentation. Take a photo or upload a PDF of your paid tax invoice. Ensure the document is clear and shows the itemised costs and treatment date.
Provide details. Answer the guided questions regarding your pet's visit and the reason for the treatment.
Submit. Review your information and click Submit.
FAQs
Pets must be at least 6 weeks old to join. For "Accident and Illness" cover, pets must be under 9 years of age at the time the policy is first issued.
No. Dogs used for commercial purposes, including guarding, racing, search and rescue, or law enforcement, are ineligible for cover.
1 day for injuries, 14 days for illnesses, and 6 months for "Specified Conditions" (e.g., hip dysplasia, cruciate issues) and optional extras.
Not by default. Dental illness is an optional add-on for pets under 3 years old at the time of inclusion.
Coverage typically extends to trips within New Zealand or Norfolk Island for up to 60 days, provided the vet is locally registered.
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.
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