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Finder’s pet insurance methodology

How our experts and insights team calculated the 2023 Finder pet insurance awards.

What are the Finder pet insurance awards?

Finder's pet insurance awards is a ratings methodology that compares both price and features across 28 pet insurance policies. To determine the ratings, we got 714 pet insurance quotes based on 24 different pet profiles.

We use the final scores from our insurance awards to inform the top picks on our best pet insurance page.

While we have gathered quotes for a range of different cats and dogs, your costs may differ depending on the breed, age and sex of your pet.

Finder's pet insurance awards criteria

The criteria for Finder's pet insurance awards was determined by our insights team and insurance experts.

Pet insurance eligibility criteria

  • The pet insurance provider must be in the market for at least 12 months
  • The policy must be available in Australia
  • The policy must be available to buy online
  • The policy must cover accidents and illnesses
  • The policy must be the most comprehensive option the provider offers

Finder's pet insurance awards methodology

1. How we calculated our price score for pet insurance

To get a fair estimation of how much each provider charges for a pet insurance policy, we got prices for 24 pet profiles.

This meant getting policies for a number of different types of cats and dogs, ranging in age, breed and sex.

We then calculated the average price of all the quotes we received for each policy. This was our price score, rated from 0 to 10. The cheapest policy scored 10.

2. How we calculated our features score for pet insurance

The features score takes into account 7 different features commonly covered by a pet insurance policy. These were:

  • Annual benefit limit
  • Reimbursement rate
  • Excess
  • Routine care
  • Paralysis tick benefit
  • Waiting period for illnesses
  • Maximum age

Each feature is allocated points out of 10 – for example, a policy that offers a $30,000 annual limit may receive 10 points, while another that offers $10,000 may receive 8 points.

3. How we calculated our final scores for pet insurance

There are 2 pet insurance award categories: one for value and the other for comprehensiveness. Each category was weighted slightly differently:

Value weightingComprehensive weighting
Maximum yearly benefit10%20%
Maximum age5%20%
Reimbursement rate5%7%
Routine care5%15%
Paralysis tick benefit5%8%
Waiting period5%5%

What are the Finder customer satisfaction awards?

The Finder customer satisfaction awards surveys thousands of Australians to better understand how they feel about their recent product purchases and help you make a decision about what to buy. It's an independent awards program calculated by our data and insights team. Commercial partnerships don't influence the results in any way.

Pet insurance customer satisfaction awards criteria and methodology

To get our customer satisfaction award winners for pet insurance, we asked a total of 1300 customers how they felt about their current pet insurer. To be eligible for inclusion in the final results, we had to get a minimum of 45 responses for each pet insurer.

The recency period varied between 3 months to 3 years, depending on the product category.

Respondents were asked whether they would recommend the pet insurer to a friend. This result was scored out of 5 as a percentage. For example, if 80% of respondents said they would recommend a product, it received a score of 4 out of 5.

Customers were asked how they would rate each pet insurer overall on a scale between 1 and 5 and in terms of:

  • Features and benefits
  • Customer service
  • Value for money
  • Ease of application
  • Overall

The final score was calculated as an average of all metrics scored.

Disclaimer: While we endeavour to assess the majority of product providers in the market, this is not always possible and it may be that not every product or brand in the market was included for judging.

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.

Frequently asked questions

  1. Pet insurance 2023 Finder Awards

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