Potki offers generous coverage and up to $599 in extras.
It's a good option for owners of older pets.
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.
It comes with Potiki Perks (worth up to $599 each year) which can include wellness items such as flea and tick treatments.
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 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
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
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.
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.
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Why choose Potiki pet insurance?
Covers 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
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."
Specified accidental injuries and specified illness only
Cover for pets older than 8 weeks and younger than 15 years
Gold
This policy provides cover for vet treatment costs when your puppy is sick or injured.
$20,000 annual benefit limit
Claim up to 80% of eligible vet bills
Specified accidental injuries and illnesses
Cover for pets older than 8 weeks and younger than 9 years
Platinum
This is a specialised cover for when your feline friend is sick or injured. A separate $3,000 annual benefit limit applies to both injury and illness treatment. Cover includes tick paralysis and cruciate ligament conditions.
$30,000 annual benefit limit
Claim up to 80% of eligible vet bills
Specified accidental injuries and specified illness
Cover for pets older than 8 weeks and younger than 9 years
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.
We currently don't have that product, but here are others to consider:
How we picked these
Pet: 5-year-old dog
Breed: Dachshund, Staffordshire Bull Terrier, King Charles Cavalier Spaniel, Greyhound
DOB: 1 June 2020
Sex: Male
Policy: Platinum, Gold & Silver Cover
Quotes updated in July 2025
Desexed: Yes
Excess: $100
Owner's DOB: 1 May 1985
Address: New South Wales, 2011
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.
Frequently asked questions about Potiki pet insurance
Potiki is a distributor of petinsurance.com.au. Potiki Perks though are a separate from the pet insurance product. They're provided by VetChat Services and Potiki Insurance.
No, petinsurance.com.au only offers cover for cats and dogs.
You can take out cover for pets 8 weeks of age or older. If you select accident and illness cover, your pet must also join before its ninth birthday unless you get Silver cover. This offers insurance up to the age of 15.
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.
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