Potiki Pet Insurance Review

How does Potiki stack up?

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By

Gary Ross Hunter

Updated

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Potiki Pet Insurance

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Key takeaways

  • No sub-limits for major conditions on top-tier cover.
  • Silver plan accepts new pets up to 14 years old.
  • Potiki Perks included, providing annual flea, tick, and worming products.

Pros

  • It comes with 3 options, Silver, Gold and Platinum, to suit various budgets.
  • It can cover up to $30,000 worth of vet bills a year, that's more than almost every other insurer on the market.
  • You can still take out the Silver policy if your pet is over 9 years old. Many insurers stop offering new policies at this age.

Cons

  • It pays up to 80% of eligible vet bills. This isn't bad, it's just the same as the majority of insurers.
  • It comes with a 21 day waiting period for illnesses. A small handful of insurers offer cover after 14 days.

Compare pet insurance from Potiki

Finder Score Maximum Yearly Benefit Paralysis Tick Yearly Sub-Limit Reimbursement rate Accidental Injury Illness
Potiki Pet Insurance logo
Finder Score
9.2 Excellent
Potiki Platinum Cover
Finder Score
9.2 Excellent
$30,000
$30,000
up to 80%
Discount: Get 1 month free by using promo code: POTIKI1MF. Offer ends 30 Jun 2026. T&Cs apply.
View details
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Potiki Pet Insurance logo
Finder Score
9.3 Excellent
Potiki Gold Cover
Finder Score
9.3 Excellent
$20,000
$3,000
up to 80%
Discount: Get 1 month free by using promo code: POTIKI1MF. Offer ends 30 Jun 2026. T&Cs apply.
View details
Compare product selection
Potiki Pet Insurance logo
Finder Score
9.2 Excellent
Potiki Silver Cover
Finder Score
9.2 Excellent
$20,000
$2,000
up to 80%
Specified illnesses only
Discount: Get 1 month free by using promo code: POTIKI1MF. Offer ends 30 Jun 2026. T&Cs apply.
View details
Compare product selection
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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.

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Why choose Potiki pet insurance?

  • Covers up to 80% of vet bills. Potiki's petinsurance.com.au policies cover for up to 80% of your veterinary expenses when your pet suffers an illness or injury. This includes consultation and surgical costs, diagnostic tests, hospitalisation and more.
  • Claim up to $30,000 cover. There's also no annual sub-limits for vet consultations, tick paralysis, cruciate ligaments and hip joint surgery with the Platinum option.
  • 24/7 vet chat. Not all insurers offer this. It can be good if you're unable to reach a vet after work hours.
  • Easy claiming. It offers GapOnly cover which means you only pay the difference between the vet bill and what your policy covers (lots of insurers don't offer this yet).
  • Routine cover. There's no sub-limits for vet consults on the Platinum Plan (meaning you could claim up to $30,000 a year).

Our expert's verdict

Gary Ross Hunter's headshot
Our expert says

"There's very little to fault with Potiki. The Platinum option is one of the most comprehensive policies you can get in Australia. Everyday is the only other insurer to offer up to $30,000 a year. Plus it comes with $599 of routine care and non-insurance benefits which you won't find elsewhere."

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Journalist

Cost of Potiki pet insurance

To help give you an idea about how much Potiki cover could cost your pet, we collected annual quotes for some of Australia's favourite dog breeds for petinsurance.com.au who issues its policies. Just remember, this is a recent snapshot of costs. Prices will differ based on things such as your own dog's age, breed and your address. It's worth comparing policies and getting a few quotes.

3 of 3 results
Updated regularly
Sample quote Sample quote Sample quote Sample quote
Potiki Pet Insurance logo
Finder Score
9.2 Excellent
Potiki Platinum Cover
Sample quote
$2,382.95
Sample quote
$1,264.42
Sample quote
$1,456.28
Sample quote
$1,827.77
View details
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Potiki Pet Insurance logo
Finder Score
9.3 Excellent
Potiki Gold Cover
Sample quote
$2,013.45
Sample quote
$1,091.11
Sample quote
$1,229.88
Sample quote
$1,502.24
View details
Compare product selection
Potiki Pet Insurance logo
Finder Score
9.2 Excellent
Potiki Silver Cover
Sample quote
$1,641.31
Sample quote
$605.76
Sample quote
$647.68
Sample quote
$848.61
View details
Compare product selection
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Showing 3 of 3 results

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 Potiki policy?

Here is the standard exclusions under a Potiki pet insurance policy:

  • Pre-existing conditions
  • Routine and preventative care
  • Elective and cosmetic procedures
  • Breeding and obstetrics
  • Standard dental care
  • Ancillary expenses

How to make a claim

Here is a step-by-step process for filing your Potiki pet insurance claim online:

  1. Gather your required documents. Before logging in, make sure you have the following ready: an itemised invoice, vet consultation notes, proof of ownership (if applicable).
  2. Access the online portal. Log in to the pet insurance policy portal provided by Potiki and petinsurance.com.au.
  3. Add your vet details (optional). While in the Pet Portal, you have the option to add or update your veterinarian's details to keep your profile current.
  4. Upload your documents. Follow the prompts in the portal to upload copies of your itemised invoice, your vet consultation notes, and proof of ownership (if needed).
  5. Keep an eye out for follow-up requests. After submitting, monitor your email or phone. In some cases, Potiki may need additional information to process your claim, such as previous medical history or pathology results. If they need these, they will contact you directly.

Frequently asked questions about Potiki pet insurance

Sources

Gary Ross Hunter's headshot
Journalist

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. See full bio

Gary Ross's expertise
Gary Ross has written 576 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living
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