Pet Insurance Comparison

Compare 8 leading brands in Australia side-by-side to see which pet insurance is a good fit for you.

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Francesca Guerrera

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Finder Score Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Reimbursement Rate
Finder Score
9.4 Excellent
$25,000
$3,000
80%
80%
Apply online and get 15% off your first year's premium. T&Cs apply.
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Finder Score
8.8 Great
$30,000
No sub-limit
90%
90%
Medibank members get 10% off and a $100 PetO e-voucher when they sign up with promo code PETO100 and maintain 90 days of continuous cover. Offer ends 16 Dec 2025. T&Cs apply.
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Finder Score
8 Great
$30,000
No sub-limit
90%
90%
Get your first 2 months free by using promo code: 2MFREE. Plus get a 10% multi pet discount. T&Cs apply.
Enjoy GapOnly claiming and complimentary use of myPetPass with 24/7 access to Live Vet Care. Also, policyholders are entitled to a free ID tag.
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Everyday Pet Insurance logo
Finder Score
8.3 Great
Everyday Comprehensive Plus Cover
Finder Score
8.3 Great
$30,000
$3,000
80%
80%
Everyday Pet Insurance customers get 10% off their monthly Woolworths shop. T&Cs apply.
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Knose Pet Insurance logo
Finder Score
7.1 Great
Knose Pet Insurance
Exclusive
Finder Score
7.1 Great
$25,000
$25,000
70%, 80% or 90%
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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Fetch Pet logo
Finder Score
8.9 Great
Fetch Pet Insurance
Finder Award
Finder Score
8.9 Great
$30,000
No sub-limit
80% or 90% or 100%
80% or 90% or 100%
Get free 24/7 vet support. T&Cs apply.
Get dental, physio and behaviour cover included and skip wait periods by following our in-app journey.
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Showing 6 of 6 results

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.

Read the full methodology

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How can you compare pet insurance policies?

At first glance, it might seem like most pet insurance policies are pretty similar. Here's how 2 insurers' comprehensive policies stack up against one another.

Insurer AInsurer B
Premium$118.65$121.04
Annual Benefit Limit$12,000$20,000
Reimbursement rate80%85%
Illnesses YesYes
Accidental Injury YesYes
Cancer treatmentYesYes
Excess$0$0
Choice of excess $0, $100 or $200$0 or $50 only

This insurance policy comparison was made for Teddy the male French bulldog. He is 4.5 years old, desexed, and lives in Campbelltown NSW.

As you can see, these policies cost around the same and cover Teddy for similar services. However, there are some key differences worth noting, such as:

  • Annual Benefit Limit: The maximum benefit limit between policies can vary from around $11,000 to $20,000. A lower limit generally means cheaper premiums but you risk reaching your annual limit and being out of pocket if your pet is seriously ill or injured or becomes ill.
  • Choice of excess: This is how much you pay out of pocket if you needed to make a claim. Some policies allow you to choose your excess amount (the higher your excess, the less you pay each month). In the example above,
  • Reimbursement rate: While the difference between an 80% and an 85% reimbursement rate doesn't seem like a lot, imagine if you were faced with a $5,000 vet bill. You'd be out of pocket $1000 with Insurer A (80% reimbursement) or just $750 with Insurer B (85% reimbursement).
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Publisher

Francesca Guerrera was a Publisher at Finder, helping Aussies find the best deals when it comes to getting pet insurance for their fur babies or taking out life insurance. She has a Bachelor of Communications in Journalism from the University of New South Wales. See full bio

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