Pet Insurance Reviews

Our pet insurance reviews highlight the pros and cons you need to know before signing up for a policy.

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At a glance, pet insurance providers seem similar, but there are actually lots of differences between policies. To make your decision easier, we've reviewed the standout features from each pet insurance provider available on Finder, looking closely at the pros and cons. Find out which is right for you and get more helpful tips below.

How do the insurers on our panel stack up? Here are our pet insurance reviews

ProviderProsConsApply today
Picture not describedBow wow meow logoBow Wow Meow
  • There's no excess, so it's worth claiming for even the smallest vet bills
  • It's one of the few insurers to include dental illness cover
  • It doesn't exclude cover for any hereditary breed conditions
  • At $20,000, it offers one of the highest annual limits
  • Like many pet insurers, you can't purchase its top plans if your pet is 9 or over
More info
Guardian pet insuranceGuardian
  • No excess and no joining fee
  • Choose from any registered vet in Australia
  • Get covered for life if you keep your policy
  • Only lets you claim up to $12,000 a year, which isn't as much as some other pet insurers
  • You can't purchase its accident and illness cover if your pet is 9 or over
More info
Guide dogs logoGuide Dogs
  • A portion of your premium goes to Guide Dogs Australia
  • Liability cover of up to $1 million for Registered Guide Dogs
  • You can get cover for accidents and illnesses for pets over 9 years old
  • If you want routine care, it's only available as an add-on
More info
PIA logoPet Insurance Australia
  • You can lower your premiums if you like with Choice of $0, $100 and $200
  • An incremental 5% discount for every additional pet you insure, up to a maximum of 15% off
  • Emergency boarding fees if you're hospitalised or require accommodation due to family violence
  • Routine care is only automatically included with Major Medical Cover. If you want it with a comprehensive policy, you'll have to pay extra
Get quote
Prime pet insurancePrime
  • 85% of vet bills covered – one of the highest reimbursement rates
  • Cover for your pet while travelling overseas
  • It's one of the few providers to offer dental illness benefits
  • It has a $14,000 annual benefits cap. There are some pet insurers in Australia that offer more, if you're worried that it's not enough
  • It comes with a paralysis tick benefit cap of $1,200
More info
Pet secure pet insurancePetSecure
  • Covers up to 75% or 85% of vet bills
  • No excess, so your money stays in your pocket
  • There are discounts for rescue animals, assistant dogs and pensioners
  • Your benefits are capped at $12,000 a year, which is less than many other providers
  • The paralysis tick benefit cap is low – $500 per year. Many others provide $1,000 or more
Get quote
Petsy logoPetsy
  • The only pet insurance provider on Finder that lets you claim 100% back on your vet bills
  • $0 excess, always
  • A generous $25,000 annual limit
  • To qualify for its top policy, your pet needs to be older than 8 weeks and younger than 8 years old
Get quote
Real insurance logoReal
  • 10% refund on your premium after a year
  • Pay fortnightly, monthly or yearly at no extra cost
  • You can visit any licensed vet in Australia
  • Annual benefits are capped at $12,000, which is less than some other insurers
  • If you want routine care, you'll need to pay extra for it
More info
RSPCA pet insuranceRSPCA
  • A portion of your premium supports the RSPCA
  • No excess, meaning no out of pocket costs when you visit the vet
  • A large annual benefit cap of $20,000
  • No sneaky sub-limits for paralysis tick with its top policy – you get up to $20,000
  • If you want routine care, you'll need to pay extra for it
Get quote
Woolworths pet insuranceWoolworths
  • Members get 10% off their Woolies shop every month
  • Price beat guarantee on comparable policies
  • The $24,000 annual limit is higher than most of its competitors
  • Donates $10 to Pet Rescue for every new policy
  • Routine care is automatically included with the comprehensive policy, but you might not want or need it (treatments are often not that expensive anyway)
More info

Compare pet insurance features and quotes from these Aussie brands

Now that you've weighed up the pros and cons of each, click through to receive a personalised quote.

Name Product Accidental Injury Illness Maximum Yearly Benefit Paralysis Tick Benefit Maximum yearly benefit Reimbursement rate Reimbursement Rate
Medibank Ultimate Pet Care
$15,000
$1,200
$15,000
80%
80%
Want a $100 PETstock e-voucher? Plus, health members save 10% every year. Sign up using promo code PET100. Ends 19 Oct 2021. T&Cs apply. Visit our website to find out more.
Budget Direct Pet Insurance
$12,000
$1,500
$12,000
80%
80%
Get 15% off on your first year’s premium when you buy online.
PD Deluxe Plan
$15,000
$2,300
$15,000
100%
100%
⭐Finder Exclusive: Apply online and get your first 2 months free. Offer ends 30 November 2021. T&Cs apply.
Knose Pet Insurance
$25,000
$25,000
$25,000
70%, 80% or 90%
70%, 80% or 90%
⭐Finder Exclusive: Get 10% off your first year's premium. Lower prices for lower risk pets. T&C's apply.
PIA Major Medical Cover
$15,145
$1,200
$15,145
80%
80%
Covers specified accidents and illnesses, with Routine Care Cover included. Get 2 months free when you sign up.
Vets Choice Elite Cover
$15,000
$2,500
$15,000
80% or 100%
80% or 100%
Get a 5% discount when you insure more than one pet.
Petsy Dog Accidental Injury and Illness Cover (Vet Select)
$25,000
$1,500
$25,000
100%
100%
Enjoy 2 months free and personalised pet tag with promo code: PETSYPET. Petsy members enjoy free personalised gifts, exclusive pet discounts and perks for humans.
Kogan Pet Luxury Cover
$15,000
$2,000
$15,000
80% or 65%
80% or 65%
Sign up and get $75 Kogan.com Credit. T&Cs apply.
Coles Premium Cover
$15,000
$2,500
$15,000
80% or 100%
80% or 100%
Earn 10x Flybuys points per $1 spent on pet food at Coles Supermarkets. T&Cs apply.
PetSecure Accident and Illness Cover
$12,000
$500
$12,000
75% or 85%
75% or 85%
Your pet is covered for life.
RSPCA Ultimate Plus Accident and Illness Cover
$20,000
Up to $20,000 annual limit
$20,000
80%
80%
Comprehensive cover for your pet, including the option of routine care. Get 1 month free for the first year of new policies. T&C's apply.
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Your checklist for reading pet insurance reviews

If you're reading multiple pet insurance reviews online, keep the following things in mind:

  • Read more than one review. Don't make up your mind based on one review. Read a few reviews to get a more complete picture of the features of a policy and the strengths and weaknesses of an insurer.
  • Be wary of reviews written by displeased customers. If a customer has had a bad experience with an insurer, fair enough – it's certainly information that could help you make a choice. However, make sure to check that the customer has a legitimate reason to be dissatisfied, as some customers complain about dodgy service from insurers when it is actually the customer who was in the wrong.
  • Look at who wrote the review. Was the review written by a so-called industry expert? If so, what are their qualifications? Was it written by a former customer? Look for any vested interests a reviewer might have that could influence their review.
  • Watch out for reviews on the insurer's website. No insurer is going to post negative product reviews on their own website, so don't take these types of reviews as a completely accurate portrayal of a policy.
  • Watch out for fake reviews. Use your wits and don't be sucked in by any reviews that sound too good to be true.

What to look for in a pet insurance policy

While you can garner a great deal of useful information about pet insurance policies by reading pet insurance reviews, you need to know what's right for you, which means knowing what to look for.

What is covered?

The first piece of information to look for is exactly what a policy covers you for. Items to look for include:

  • Are accidents and illnesses covered or is it an accident only policy?
  • Can you add a benefit for routine care procedures (for example vaccinations)?
  • What optional extras are available with your policy?
  • What is the maximum amount you can claim against your policy each year and what percentage of your eligible vet bills will the insurer pay?

What is excluded?

Look for the section of the review that refers to a policy's exclusions. Common exclusions include:

  • Pre-existing conditions; however, some insurers make it possible to take out coverage for certain pre-existing conditions once your pet has recovered from them
  • Illnesses for which there is a known vaccine
  • Breeding and pregnancy
  • Failing to take proper care to look after your pet

Consider what you need in a pet insurance policy

When reading pet insurance reviews, always consider your own needs. There's no point in buying a policy simply because it comes with some added features that you're unlikely to ever use. To get one that's right for your pet, keep the following in mind:

  • Know the cover you need. Look at the cost of accident cover compared to the increased cost attached to a combined accident and illness policy. Are you looking for basic or comprehensive cover, and how does the protection offered by each policy stack up against the competition?
  • Know what is covered. Look for information on exactly which injuries and illnesses each policy covers. Does one policy cover a larger number of conditions than the rest of the competition? Or is there one particular policy that covers all the injuries you fear your pet is most likely to ever sustain?
  • Check the maximum benefit. You also need to check the maximum benefit limit per year on each policy. Pet insurance will usually only cover a certain percentage of your eligible vet bills, usually ranging from 50% to 80%, so look for a policy that will let you claim as much back as possible.

Other features to look for in a review include exclusions, sub-limits, excess amounts, average premium costs and any waiting periods that may apply.

Easily compare policies side by side in our comparison table. Use the filters to compare each feature that matters to you.

Take note of different levels of cover

It's a good idea to consider the exact level of cover you require before taking out a pet insurance policy. Cover options include:

  • Accident only. If you're on a tighter budget and only want protection for some of the worst-case scenarios your pet might encounter, an accident only policy may be a good option. This offers protection for the medicine and treatment costs for a range of injuries, including those caused by car accidents, falls, burns, insect bites and snake bites.
  • Accident and illness. If you want an increased level of cover, a combined accident and illness policy will offer cover for the treatment costs when your pet suffers one of a wide range of illnesses. These include cancer, skin conditions, hereditary problems and other infectious diseases.
  • Comprehensive. A comprehensive policy offers an increased level of cover, typically featuring a higher benefit limit and the option to include cover for routine care procedures. However, in order to decide on which type of policy is right for you, you'll need to consider how important it is to you that your pet is covered and how much insurance you can afford.

Once you know what features you want in a policy, you can read pet insurance reviews to confirm the best policy option for you.

Picture: GettyImages

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9 Responses

    Avatarfinder Customer Care
    JudithNovember 18, 2017Staff

    Hi William,

    Thanks for your question.

    You may refer to our list of pet insurance to compare your options. On the page, is a comparison table you can use to see which insurer suits you. Kindly click “Get Quote” or “More Info” for you to be able to read more information about each insurer and/or policy.

    Please take time to review the relevant details as well as the Product Disclosure Statements / Terms & Conditions of each option so you would be able to choose the one which would suit your needs.

    I hope this helps.

    Best regards,
    Judith

    Default Gravatar
    LyndaNovember 20, 2016

    I’m looking for pet insurance for birds. Vet bills for birds is just as expensive for birds as they are for dogs and cats – as the tests and antibiotics to get them through a virus and overnight stays at GreenCross Vets (the only places which have bird vets available) cost a fortune!

    So, I’ve been looking around for pet insurance for pet insurance for birds, but it’s non-existent, so do I just let my bird die next time because I can’t afford the bill? I’m not allowed a dog or cat in my townhouse complex because of Body Corporate Laws and Bylaws – besides I’m heavily allergic to both. But I’m not allergic to birds.

    Help!

      Avatarfinder Customer Care
      RichardNovember 21, 2016Staff

      Hi Lynda,

      Thanks for getting in touch. It looks like Remington Insurance Brokers do offer a product called aviary bird insurance but this seems to be the only bird related pet insurance policy on the market.

      I hope this was helpful,
      Richard

    Default Gravatar
    BarbaraSeptember 13, 2016

    I have two cats that are fully enclosed in house or a secure enclosure do I get a cheaper insurance for this ?

      Avatarfinder Customer Care
      RichardSeptember 14, 2016Staff

      Hi Barbara,

      Thanks for getting in touch. Generally, pet insurers only take into consideration the breed and age of your pet when calculating your premiums.

      All the best,
      Richard

    Default Gravatar
    MarjAugust 27, 2016

    Do any pet insurance cover dental problems?

      Avatarfinder Customer Care
      RichardAugust 29, 2016Staff

      Hi Marj,

      Thanks for your question. finder.com.au is a comparison service and we are not permitted to provide our users with personalised financial advice. Unfortunately, none of the brands in our panel currently offer dental cover. However, there are brands that do offer this service including Prime Pet Insurance, PROSURE, Bupa Pet Insurance and HCF. Be sure to check the conditions with dental cover for pets. Conditions to be aware of include:

      • Cover available as an optional extra on top cover
      • Does not cover routine dental care
      • Your pet must have routine dental check-ups
      • You must have cover for a minimum amount of time (2 years) before you can claim

      I hope this was helpful,
      Richard

    Default Gravatar
    sharonApril 10, 2016

    What is not covered in pet insurance. They say eligible vet bills. What does this cover please

      Avatarfinder Customer Care
      RichardApril 10, 2016Staff

      Hi Sharon,

      Thanks for your question. Exclusions vary from insurer to insurer. You will need contact your insurer for a full list of their exclusions. Conditions excluded include:
      Pet grooming or bathing
      Ambulance fees and non-essential hospitalisation
      Behavioural problems
      Training, socialisation, therapy and alternative therapies
      Pet food, vitamins and dietary supplements
      Elective treatments such as desexing
      Unapproved medications
      Organ transplant surgery
      Prosthetics or artificial limbs
      Cell replacement therapies
      Pre-existing conditions
      Malicious acts
      Lack of care
      Cruciate ligament conditions
      Preventable diseases
      Breeding or obstetrics
      Dental problems or oral disease

      I hope this was helpful,
      Richard

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