Kogan Pet Insurance Review

Kogan pet insurance is good if you want a budget-friendly policy with some generous limits.

4.3 ★★★★★ (13 reviews) Write a review


Maximum yearly benefit

80% up to age 8 & 65% over age 8

Reimbursement rate


Routine Care

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product NameKogan Pet Luxury Cover
Accidental Injury
Routine CareOptional
Lifetime Cover
Reimbursement rate
80% up to age 8 & 65% over age 8
Annual Benefit$40 on either vaccination or health check, flea/tick/worm control or heartworm control. Plus $80 for one other treatment.
Cooling Off Period21 days
Cruciate Ligament Benefit$2,600
Excess optionsChoice of $0 , $50 and $100
Emergency Boarding$1,000
Consultations and Vet Visits$300


  • It offers flexible reimbursement rates (65%, 70% and 80%) which is good if you want to pay cheaper premiums (opt for the lower reimbursement rates).
  • Its $15,000 annual benefit isn't market-leading, but it's better than several other budget policies including Budget Direct, Coles and Real.
  • Its $2,000 paralysis tick benefit is also more generous than most other insurers on Finder.


  • Its most comprehensive policy doesn't automatically cover routine dental — you'll need to pay more if you want it included.
  • Its 80% reimbursement rate is similar to many other insurers, though some, including Knose, Coles and Petsy, offer more.

1st month free + $10 credit

Verified 5 days ago Expires 29 Feb 2024
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.

Compare pet insurance from Kogan

Name Product Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Kogan Pet Luxury Cover
80% up to age 8 & 65% over age 8
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
Kogan Pet Primary Cover
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.
Kogan Indoor Cat Cover
80% up to age 8 & 65% over age 8
Sign up and get your first month FREE plus $10 ongoing monthly credit. T&Cs apply.

Well done, Kogan

Kogan pet insurance ranked in third place for Customer Satisfaction in 2023, gaining an overall score of 4.28/5. 89% of customers surveyed said they would recommend Kogan pet insurance.

Full list of 2023 winners

Why compare pet insurance with Finder?

  • You pay the same price as buying directly from the pet insurer.

  • We're not owned by an insurer (unlike other comparison sites).

  • We don't ask for your phone or email.

  • We've reviewed over 35 policies on the market, so you don't have to.

Kogan pet insurance policy options


Indoor Cat Cover

Indoor Cat Cover is the simplest policy; it's a low-cost option for those who want protection against particular illnesses and diseases that felines are prone to.


Pet Primary Cover

Pet Primary Cover focuses on injuries and accidents, covering up to 80% of eligible vet bills and other such mishaps such as snake bites or tick paralysis.


Pet Value Cover

This is one step up from primary cover, covering injuries and accidents as well as specific illnesses, including cancer, bladder stones and eye trauma.


Pet Luxury Cover

Pet Luxury Cover is the most comprehensive policy. Insuring against accidents and illnesses with up to $15,000 annual claim limit, it gives you and your pet protection against any bumps or bruises, serious or otherwise.

🏥 What does Kogan pet insurance cover?

Here's an overview of what's included with a Kogan pet insurance policy.

Ambulance vehicle with pet paw on the front

Accidental injuries

All of Kogan's policies cover accidental injuries. They can pay up to 80% of vet bills if your pet is involved in an injury such as:

  • Motor vehicle incident
  • Burns
  • Electrocution
  • Traumatic ligament or tendon injury
  • Bone fracture
  • Snake bite
Vet building with pet paw on the front


If your pet gets sick, Knose's Luxury, Value and Indoor Cat policies can pay up to 80% of eligible vet bills for illnesses such as:
  • Cancer
  • Elbow and hip dysplasia
  • Patella luxations
  • Diabetes
  • Poisioning
  • Renal disease
  • Outter and inner ear infections
  • Gastrointestinal problems
  • Arthritis

For the full list of covered illnesses, check the current Product Disclosure Statement (PDS) on the provider site.

Pet toothbrush and scissors

Routine Care

You can add routine care onto your Kogan pet insurance policy. This can cover preventative treatments such as:
  • Desexing
  • Microchipping
  • Heartworm control
  • Teeth cleaning
  • Vaccinations
  • Prescription diets
  • Obedience training

Kogan pet insurance costs

To help give you an idea about costs for Kogan pet insurance, 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 and age, and your address, so it's always worth comparing policies and getting a few quotes.

Dog Breed1yr old5yr old
Maltese Cross$817.24$1,562.63
Staffordshire Bull Terrier$1,056.15$2,032.81
Border Collie$1,056.15$2,032.81

Why you can trust Finder's pet insurance experts


We're free

You pay the same as buying directly from the pet insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

Our team of pet insurance experts have researched and rated 25+ policies as part of the Finder Awards. We've produced guides on everything from the best policies to jargon-free explainers.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of pet insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2016, we've helped 110,000+ people find pet insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Kogan pet insurance FAQs

Get quote

👥 Kogan pet insurance reviews

Go to site